Barry Masci is a CFA® charterholder with 43 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2016. Prior to that, he was with Morgan Stanley and its affiliates for a total of 14 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Christopher Baldoni is a financial advisor with Raymond James Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Equitable Advisors. He is also associated with Addison Avenue Investments, where he provides advice and planning support to members of First Tech Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored non-discretionary planning using risk profiling and analytical tools and supports these services through a large network of advisors.

Brian Gemmell is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Outside of his advisory role, he owns Gemmell Enterprises, a sole proprietorship providing notary services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances.

Jonathan Stahley is a financial advisor with Ameriprise in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team, emphasizing assets held in Ameriprise Managed Accounts.

Eric Schleppenbach is a financial advisor at Edward Jones in San Diego, CA, holding Series 63 and Series 66 designations with 11 years of industry experience. He worked at TD Ameritrade from 2015 to 2020 before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of advisors and branch offices.

Michael Lucia is a financial advisor with LPL Financial in San Diego, CA, holding the ChFC® and Series 63 credentials. He has 34 years of industry experience, including prior roles at Integrity Alliance, H. Beck, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he is involved in insurance marketing as CEO of MJL Insurance Marketing Solutions, Inc., and he also supports the management of his daughter's dance career through a family-owned LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining broad non-advisory financial activities with oversight of significant discretionary assets and a large network of advisors.

Christopher Coyle is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Annterese Toth is a Senior Financial Advisor and partner of the VCMP group at Merrill Lynch Wealth Management. She has been in Financial Services for 30 years and joined Merrill in 2003. Annterese holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She assists affluent individuals and business owners with financial strategies, retirement income planning, and estate planning services. Annterese earned her bachelor's degree in business from National University, graduating cum laude. She also attended Hofstra University in New York and completed the Wharton School of Business Executive Training Program. In addition to her professional work, Annterese has been active in her community, serving as a board member of the Finance committee and Vice President for the Rancho Santa Fe Garden Club. She has also been involved with Country Friends of Rancho Santa Fe, Bonsall Woman's Club, and Rally for Children. Annterese resides in Rancho Santa Fe with her husband, former Soccer Hall of Champion Zoltan Toth. They enjoy spending time with their three adult children and other family members.

John Foley is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, his work history includes various roles outside the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Douglas Robichaud is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and JPMorgan Chase Bank, N.A. In addition to his financial career, he has been involved with Mama Boss Babe Inc. since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Francisco Contreras is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has previously worked at Voit Real Estate Services and Lee & Associates. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities.

Sophia Truelock is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, she worked at Compass Mining and held various roles in hospitality and fitness sectors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separate managed accounts and a centralized operational structure.

Matthew Hampshire is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012 and Jpmorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, incorporating an ESG eligibility framework where appropriate.

Howard Schwartz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His prior experience includes six years with Prudential Equity Group, LLC. Outside of advisory work, he has a minority ownership interest in a real estate LLC. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large network of advisors and combines research and analytics with both brokerage and advisory solutions.

Todd Mcgraw is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth strategies tailored to families and local business owners. Based in San Diego, he emphasizes a personalized, goals-based approach that takes into account clients' financial situations, priorities, risk tolerance, and time horizon. His practice integrates investment insights from Merrill and banking services from Bank of America to address diverse financial needs, including education planning, retirement income, legacy planning, and socially responsible investing. With professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), Todd brings expertise in portfolio management, tax minimization, and wealth preservation and transfer strategies. He holds a Bachelor's Degree from San Diego State University and is affiliated with Merrill Lynch Wealth Management and Bank of America. Todd is active in his community, inspired by Merrill’s tradition of community participation. Outside of work, he enjoys adventure sports such as skiing, hiking, fishing, golfing, baseball, and football.

Andrew Harvey is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 65 credentials and having 24 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory role, he is a drummer in a rock and roll band. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Jyoti Alwani is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, using forward-looking capital market assumptions and may incorporate an ESG eligibility framework.

Brant Rustich is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following two years at Bank of America and Merrill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning arrangements.

Kevin Radcliffe is a CFP® professional with 30 years of experience in the financial services industry. He has been with Stifel Nicolaus & Co Inc since 2009. Based in Carlsbad, CA, he holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking market assumptions and probabilistic modeling.

Austin White is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior roles include positions at Money Concepts Capital Corp and Vision Solved Wealth Management Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.