Stephen Schneider is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 2000 to 2003. Outside of his advisory role, he serves as treasurer for a homeowners association in Del Mar, CA. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Michael Terry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 32 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank in various roles from 2011 to 2023. Terry is a passive owner of an investment-related business called 3 Fruit in the Box based in Oceanside, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory approach is based on investment policy statements and modern portfolio theory, and it includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Samuel Troughton is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 65 and Series 63 licenses and has been with Charles Schwab & Co., Inc. since 2023, including a role at Charles Schwab Bank, SSB. His background also includes work in fintech and full-time education. 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Karla Mesta is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in speech-language therapy from 2019 to 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Nicolas Mendez is a Series 66 licensed advisor with J.P. Morgan Securities in Del Mar, CA, with four years of industry experience. His prior roles include positions at Fidelity Investments and Gentrust Wealth Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Christopher Melton is a CFP® with 44 years of experience in the financial services industry. He is affiliated with Raymond James Financial and is the owner of Melton Wealth Management, LLC, which he established in 2018. His career includes roles at Wells Fargo Clearing Services and Concurrent Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Aleksandra Drake is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously spent two years with JPMorgan Securities LLC and JPMorgan Chase Bank. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Adrian Schulz is a Series 66-credentialed advisor with 20 years of experience, currently affiliated with J.P. Morgan Securities since 2012. His prior experience includes roles at JPMorgan Chase Bank, N.A. and Equitable Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm utilizes a centralized due diligence process combining quantitative and qualitative research and incorporates ESG criteria in its recommendations.

Jaime Bueno is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including corporate financial planning agreements.

Jeffrey Ardantz is a financial advisor with Raymond James & Associates, holding Series 65, 66, and 63 licenses and has 24 years of industry experience. He has worked at Raymond James & Associates since 2016, following prior positions at Morgan Stanley and Novodyn Advisors LLC. Outside of his advisory role, Ardantz is involved with Henri P Ardantz LLC, an agricultural business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipalities. The firm offers financial planning and consulting services, employing a range of portfolio management styles supported by affiliated research and model managers.

My Linh Phan is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she worked at Comerica Bank and was involved with Black Diamond Realty LLC for three years, in addition to her education sector experience. Strategic Advisers LLC, a Fidelity Investments company where she practices, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive involvement in commodity pool management and advisory roles for registered investment companies.

Robert Kearney is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, ClearPoint Neuro, IRRAS USA, and Philips. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Meghan Fiorito is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds the Series 66 designation and has been with Wells Fargo in various capacities since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven, grounded in modern portfolio theory, and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Christopher Lloyd is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 27 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Lucia Securities, Lucia Capital Group, and Planner Resource Group. He also operates his own insurance agency, Lloyd Consulting, which he has managed since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Robert Rose is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. In his role, Rob focuses on helping wealthy families, corporate executives, and retirees develop strategies to preserve assets, create liquidity, and meet retirement goals. He is also a Senior Portfolio Manager, managing personalized and defined investment strategies for his clients. Rob has over 34 years of experience in the financial services industry. He holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and maintains several FINRA registrations including Series 7, 31, 63, 65, 3, and 8. Prior to joining Merrill, he worked for 16 years at Morgan Stanley, where he held titles such as Senior Vice President and Assistant Branch Manager. In 2019, he attained the Managing Director title at Merrill, the highest recognition for a financial advisor at the firm. Rob has been named to the Forbes "Best-in-State Wealth Advisors" list for nine consecutive years, from 2018 through 2026. Rob holds a bachelor's degree from San Diego State University. Outside of work, he enjoys baseball, basketball, boating, chess, golfing, pickleball, reading, traveling, and spending time with his wife Anastasia, their two children Jessica and Charlie, and their dogs Beans and Gouda.

Bradley Secord is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo since 2016. Outside of his advisory role, he serves as a board member and finance committee member for the John M Scott Health Care Commission. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, leveraging research and analytics and offering both brokerage and advisory solutions.

Victor Vera Morales is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and eight years of industry experience. He previously worked at US Bank Private Wealth Management, Charles Schwab, and OTR Capital. Victor is based in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research to develop model asset allocations and incorporates broader derivatives and commodities capabilities.

Zachary Moreo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2012. 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 combines systematic quantitative screening and qualitative research, supported by centralized due diligence and a forward-looking capital market framework.

Jason Polk is a financial advisor at Edward Jones in San Diego, CA, with 17 years of industry experience. He has been with Edward Jones since 2014 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he owns an apparel business, Faith Over Fear, which designs and sells hats to benefit local charities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

David Smith is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He previously worked at Morgan Stanley for 15 years before joining his current firm. Smith serves as an officer and board member of Friends of Fairfield Rugby, a nonprofit supporting the Fairfield University Rugby Club. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides a collaborative planning process using firm-approved analytical tools and offers specialized programs such as estate settlement and employer-sponsored planning.