Francisco Contreras is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2022. Prior to that, he held roles in real estate services with Voit Real Estate Services and Lee & Associates. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

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 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having worked at Jpmorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Howard Schwartz is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 40% ownership interest in Integrity Capital, LLC, a real estate-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. She has worked within various capacities at J.P. Morgan since 2009. 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 through a select group of Wealth Advisors. The firm delivers these services on a non-discretionary basis and integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Brian Talgo is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. 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.

Timothy Landry is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with East 2 West Properties, LLC and Cal Point Properties, LLC, which provides accommodations for client meetings on the East Coast. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a wide range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research and technology-driven portfolio strategies.

Samuel Castro is a financial advisor at Merrill with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matt Hanhila is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he works with clients to design financial plans that provide a clear understanding of their current financial standing and a roadmap toward their future goals. His approach involves getting to know clients and their families, developing tailored financial plans, and offering ongoing guidance to help achieve those goals. Prior to his current role, Matt served as an Investment Consultant at Fidelity Investments from 2020 to 2021. Before joining Fidelity, he was a Registered Representative at AXA Advisors, L.L.C. from 2018 to 2020. He holds a California Insurance License.

Virginia Stagg is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and with 23 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 both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Amber Smith is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2021. Outside of her advisory role, she serves on the San Pasqual High School Business Advisory Council and assists as a volleyball coach, organizing sports tournaments. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques, offering a broad range of financial services without providing individual security recommendations as part of standalone planning.

Daniel Cohn is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in the Del Mar San Diego office. He holds the Chartered Retirement Planning Counselor (CRPC) designation and operates within the line of business at Merrill Lynch Wealth Management. Daniel works collaboratively with clients to develop financial plans and investment strategies tailored to their individual goals, providing ongoing advice as their needs evolve. He has a Bachelor's Degree in Mathematical & Computational Science from Stanford University and holds three FINRA/SEC securities licenses. Prior to joining Merrill Lynch, Daniel spent his career on Wall Street in New York, working with wealth management teams, commodities and rates trading desks, and in equity research covering various sectors including Utilities and Clean Energy. His experience informs his approach to helping individuals and families navigate diverse market environments. Daniel's client focus encompasses areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, and sectors like sports and entertainment. Outside of his professional role, he has personal interests in fishing, golfing, pickleball, running, soccer, and tennis.

John Howells IV is a CFP® professional with 42 years of industry experience, currently serving at Equitable Advisors since 2005. Prior to that, he was affiliated with Axa Advisors, LLC for 15 years. Outside of his advisory role, he is a ward mission leader for the Church of Jesus Christ of Latter-Day Saints and an instructor at Mira Costa College and Palomar College. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored investment solutions.

Dylan Trauger is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Prior to joining Edward Jones in 2023, he served in the United States Navy from 2015 to 2019 and spent several years in full-time education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,000 advisors.

Christopher Cassi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2020. His prior experience includes roles at JPMorgan Chase Bank and Northwestern Mutual Investment Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.