Brian Lucewicz is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2001 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategy services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Philip Alabi is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to his current role, he worked at Vividion Therapeutics and has academic tenure at the University of California San Francisco, Brown University, and Southern Illinois University Edwardsville. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with approximately 3,948 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model-based portfolio strategies.

Paul Sanit is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 40 years of industry experience. He is a key member of the HS Legacy Group, a team dedicated to providing holistic wealth management planning services tailored to affluent families. Paul's career began at E.F. Hutton's Personal Financial Planning division in New York City, where he advised the firm's affluent clients. Over the years, he has guided clients through various market cycles and significant life transitions. Paul holds a Bachelor's degree in Finance from Hofstra University and earned the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors. As a qualified Portfolio Manager, he constructs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party investment managers. He may manage strategies on a discretionary basis through Merrill's Investment Advisory Program to align portfolio decisions with client objectives. Living in San Diego for over 30 years, Paul enjoys golf, cycling, fitness, and travel in his free time. He emphasizes understanding clients' life priorities and collaborates to create personalized financial plans designed around clients' goals and aspirations.

Chris Rager is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes longstanding service with Morgan Stanley-affiliated entities since 1997 and a brief tenure at Citigroup Global Markets Inc. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools but does not provide individual security recommendations as part of standalone planning services.

John Taylor is a financial advisor at LPL Financial in Encinitas, CA, holding Series 65 and Series 66 credentials with two years of industry experience. His prior experience includes roles at HSBC and multiple tenures at LPL Financial and Lifetime Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Stephen Schneider is a CFP® with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Schneider serves as treasurer for the Ocean Windows Homeowners Association in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

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 with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 credentials and one year of industry experience. His work history includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, as well as prior experience in fintech and education. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 and discretionary investment solutions supported by multi-asset model portfolios, centralized operations, and a formal alternative-investment process.

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 financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previous experience at Fidelity Investments and Gentrust Wealth Management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily 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.

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.

Patricia Pavin is a financial advisor at Merrill with 16 years of experience at the firm and nine years in the industry. She holds the Series 66 designation and is based in Rancho Santa Fe, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adrian Schulz is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working with JPMORGAN Chase Bank since 2009. J.P. Morgan Securities 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 delivers these services alongside affiliated brokerage and investment management capabilities, combining large institutional advisory operations with multiple market-facing registrations.

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 in Carlsbad, CA, holding Series 63, 65, and 66 licenses and 24 years of industry experience. He has worked at Raymond James since 2016 and previously held positions at Morgan Stanley and Novodyn Advisors LLC. Outside of finance, he is involved in agriculture through Henri P Ardantz LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, and offers a range of advisory and consulting services supported by comprehensive research and multiple portfolio management strategies.

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.