Sydney Hays is a financial advisor with Merrill based in La Jolla, CA. He holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining Merrill, he worked at Accenture Federal Services, PVH Corp, and General Dynamics Information Technology. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Bulent Erol is a financial advisor with Cetera, holding a Series 66 credential and over 13 years of industry experience. His background includes roles at Cetera Wealth Services, HBW Advisory Services, and HBW Securities. Outside of advising, he is a co-author of a book titled *The Informed Fed, A Survival Guide to Federal Employee Benefits* and serves as president and CEO of LHD Insurance & Financial Services, which offers financial services, tax planning, and insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management options, financial planning, and retirement services, with more than $256 billion in assets under management and over 10,000 advisors.

Gregg Schaefer is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2009. Merrill delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Tamara Huey is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she is involved in independent insurance brokering. Ameriprise serves individuals approaching or in retirement, typically with at least $1 million in investable assets, offering retirement-income planning through a centralized consulting team that combines research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Emily Hughey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Tyler Baugh is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Before joining Morgan Stanley in 2022, he worked in various roles at Target, a community college, The Home Depot, and Cinemark. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client plans and corporate financial planning agreements.

Sean Manatt is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2007. Based in San Diego, CA, he is part of a large network of advisors within the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Xavier Ricart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2023, he spent a decade at Banco Santander Internacional from 2012 to 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm provides a broad range of services including portfolio management, financial planning, and capital markets solutions.

Jack Kilpatrick is a financial advisor with Morgan Stanley in La Jolla, CA. He holds Series 65 and Series 63 licenses and has one year of industry experience, including prior work at Florida Financial Advisors. Outside of advising, he has worked in security at The Library Bar. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and scenario modeling tools, offering services primarily in an advisory capacity.

Marc Rupnow is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade Institutional from 2012 to 2023. Outside of finance, he was involved with Bali Hai Restaurant for a decade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Tina Pena is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dakota Atchley is a financial advisor at Thrivent Investment Management with six years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Prior to his financial services career, he was involved in roles at DXC Technology, MetLife Investors Distribution Company, Spiritoux Wine & Liquor, Total Quality Logistics, and Brock Entertainment. Beginning in 2025, he plans to engage in freelance music production, including producing, songwriting, marketing, and music development. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based planning in areas such as retirement, tax, estate, and business continuation without discretionary portfolio management.

Juliana Najor is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michelle Jenkins is a Planning Consultant at Fidelity Investments, where she focuses on understanding clients' personal situations and financial objectives through comprehensive planning. She partners with clients to identify opportunities for education about Fidelity's investment strategies and available resources. Michelle brings nearly 30 years of industry experience, having held various roles at Charles Schwab & Co., Inc., including Senior Client Relationship Specialist, Client Relationship Manager, Investment Consultant, and Client Service Representative. She holds a California Insurance License. Outside of her professional work, Michelle enjoys attending concerts, traveling, and volunteering.

Maura Mc Mahon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with J.P. Morgan in various capacities since 2011, including roles at J.P. Morgan Investment Management Inc. and J.P. Morgan Institutional Investments Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sean Connors Sr. is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 65 and Series 63 designations. His prior experience includes roles at Northwestern Mutual Investment Services LLC, DiversyFund, and FBN Securities, as well as self-employment periods. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

Marisa Ford is a CFP®-certified financial advisor with eight years of industry experience. She currently works with Cambridge Investment Research Advisors and has previously held roles at LPL Financial, Lucia Capital Group, and Sprott Global Resource Investments. Outside of her advisory work, she serves as Treasurer for the League of Conservation Voters in San Diego and volunteers as a coordinator for Beauties for a Cause USA. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent advisors, utilizing proprietary and third-party model strategies tailored to client objectives.

Darmel Fernandez is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Keller Williams. Outside of finance, he has experience in the food and entertainment industries. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios consisting of mutual funds, ETFs, and ETPs.

William Friess is a financial advisor at OSAIC with a Series 66 designation and 47 years of industry experience. He previously worked at Woodbury Financial Services, Inc. for 19 years before joining OSAIC in 2024. Friess is also the owner of Friess Consulting Group, where he coaches financial services professionals and is involved in fixed insurance product sales. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with financial planning and retirement consulting. The firm utilizes various analytical tools and supports both discretionary and non-discretionary account management with access to multiple third-party managers and wrap programs.

John Loehr is a financial advisor with Edward Jones in Santee, CA. He holds the Series 66 designation and has eight years of industry experience, including two years at GAF prior to joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and access to separately managed accounts, and operates under a fiduciary standard.