Matthew Howard is a financial advisor with LPL Financial in El Cajon, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Avantax Advisory Services and 1st Global Capital Corp., as well as over a decade in accounting firms such as Wade, Howard & Associates, CPAs LLP. He is also involved in tax preparation and accounting through his business entity, HNK, CPAS, LLP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a range of clients including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and multiple portfolio options.

Scott Cain is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities for 11 years. Outside of finance, he was involved in a photography business, Mia Bambina Photography Inc., for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support its services.

Ernest Miars is a CFP® professional with 37 years of industry experience, currently advising clients at LPL Financial since 2023. Prior to joining LPL, he worked at Commonwealth Financial Network for eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services supported by proprietary and third-party research.

Gina Coyle is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Kellen Hoke is a financial advisor at Raymond James & Associates with Series 65 and Series 63 credentials and one year of industry experience. His background includes roles at Morgan Stanley and involvement with Michael Waltrip's Taproom. He has also been affiliated with organizations such as the Charlotte National Whitewater Center and the University of Tampa. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, charitable organizations, and municipal entities. The firm offers comprehensive financial planning and consulting services, utilizing various portfolio management styles supported by extensive research and affiliated sub-advisers.

Michael Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has served as the lead portfolio manager and co-director of the team's investment committee, directing the management, research, and strategic positioning of client portfolios. He brings over 20 years of experience in investment management and corporate finance to his role. Prior to his current position, Mr. Carroll was vice president and lead portfolio manager at M&T Trust, a family office and private foundation in Rancho Santa Fe. He also held roles at Nicholas|Applegate Capital Management, Morgan Stanley & Co., and the University of Notre Dame Investment Office. He holds a bachelor's degree in finance and business economics from the University of Notre Dame and the Chartered Financial Analyst (CFA) designation. He is a member of the CFA Institute and the CFA Society of San Diego and serves on the advisory board for the Applied Investment Management Program in Notre Dame's Mendoza College of Business. Additionally, he is vice president of the Notre Dame Club of San Diego and participates on the Notre Dame Wealth Management Symposium Steering Committee. Outside of his professional responsibilities, Mr. Carroll lives in San Diego with his wife and two daughters and pursues personal interests including adventure sports, biking, boating, golfing, hiking, music, skiing, tennis, and traveling.

Edward Blazejewski is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. He has been associated with the J.P. Morgan organization since 2013, including roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Kevin Cheng is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan since 2017, including roles at JPMorgan Chase Bank and Foresters Financial Services prior to that. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Chris Mccann is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and models.

Joshua Wyper is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 66 designation and previously worked for Edward Jones for seven years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Donovan Filpi is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a part of the financial services industry since 2005 and joined Bank of America/Merrill in 2006. He holds a B.A. in psychology with a business specialization from UCLA, earned in 2000. Donovan specializes in providing comprehensive wealth management strategies with a focus on balancing risk management, portfolio allocation, and spending plans tailored to clients' lifestyles. Since 2016, he has been a member of the Special Needs Team, collaborating closely with special-needs professionals and family members to improve long-term well-being for individuals unable to care for themselves. His areas of client focus include college education planning, family wealth management, managing new wealth, and socially responsible investing. He holds multiple professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Donovan lives in Vista, California, with his wife and three children. He is active in his community through Anthem Church and Strong Families For Children, and in his free time enjoys running, cooking, hiking, camping, music, traveling, spending time with family, and watching movies.

Samuel Oh is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at UBS Financial Services, Inc., Mobe Health Connect, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Anthony Artero is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining OSAIC in 2026, he spent ten years with Good Life Advisors, LLC and LPL Financial, LLC. He also acts as a fiduciary for the Artero Family Trust. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, and access to third-party money managers, using proprietary asset-allocation tools and automated rebalancing to construct portfolios that may include a broad range of investment products.

De Anne Steele is a financial advisor at UBS Financial Services with six years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America Private Bank. Steele participates in the San Diego Angel Conference at SDSU and is a member of Wharton Alumni Angels, where she reviews early-stage investment opportunities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm offers tailored financial planning and portfolio management based on proprietary research and capital market assumptions.

Douglas Robinson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Nanocellect Biomedical Inc and the Institute of Risk and Safety Analyses. 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. The firm offers a client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Ronald Sisk is a CFP® with 24 years of industry experience, currently serving at Edelman Financial Engines in San Diego, CA. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering diversified model portfolios with a long-term investment approach.

Whitney Brillon is a Financial Consultant at Fidelity Investments. In this role, she works closely with clients to develop personalized financial plans that align with their goals and values, aiming to provide a roadmap for achieving financial confidence and peace of mind. She has accumulated extensive experience in the financial services industry, holding multiple positions at Fidelity Investments since 2013, including Financial Representative, Relationship Manager, Investment Consultant, and Vice President, Financial Consultant. Whitney also served as Vice President, Financial Consultant at Charles Schwab from 2022 to 2024 before returning to Fidelity in her current role. Whitney holds a California Insurance License. Outside of her professional work, she enjoys cooking and baking, family activities, exploring food as a foodie, and traveling.

Theodore Tadeusiak is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He previously worked at Morgan Stanley from 2009 to 2017 before joining Wells Fargo Advisors. He owns and operates Core Process Wealth Management LLC in Carlsbad, CA. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options and utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Michelle Balatero is a CFP® professional with 16 years of industry experience, currently with LPL Financial since 2021. She previously worked at TD AMERITRADE from 2016 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Jennifer Kruger is a Certified Financial Planner (CFP®) with over 21 years of industry experience. She is currently with Fidelity Investments, where she has worked since 2006 in various roles including brokerage services and advisory. Jennifer is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.