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 with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves on the board and finance committee of the John M Scott Health Care Commission and is also involved in a music production business. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Victor Vera Morales is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at US Bank Private Wealth Management, Charles Schwab, and OTR Capital. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its approach.

Zachary Moreo is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2011. 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 while clients retain final decision-making authority.

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.

James Vasquez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His career includes prior roles at Morgan Stanley, Equitable Advisors, and PFG Advisors. Outside of finance, he occasionally consults as a professional chef and has an associate degree in culinary arts. 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

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.

Patrick Archer is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has worked at firms including Breakaway Wealth Management and several educational institutions. Archer has also been involved with Lou & Mickeys, a non-investment business outside his advisory role. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable gift funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs.

Breda Blake is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary services delivered by a select group of Wealth Advisors.

Bryn Tannone is a financial advisor at Fidelity with Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Spruce Farm and Fish, The Glen at Scripps Ranch, and Pulsar Entertainment. He also has experience related to the University of Colorado, Boulder. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of registered investment companies, and integration of AI in its research processes.

Paul Kennedy is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He previously served in the U.S. Navy from 2016 to 2024 before entering the financial services sector. He provides investment advice and wealth management services through Forrest Investment Services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options with discretionary and non-discretionary authorities, supported by a large network of independent advisors and a variety of affiliated and third-party investment resources.

Michael Angeles is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. He has worked at Bank of America Merrill Lynch since 2022 and previously held roles at Merrill Lynch and Bank of America dating back to 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mered Oren is a financial advisor at Stifel with 39 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services such as fee-based financial planning and wrap programs. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning decisions.

Kenneth Judd is a CFP® professional with 33 years of industry experience, currently serving at Raymond James & Associates since 2018. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in San Diego, CA. 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 municipal entities, offering financial planning and consulting with a non-discretionary approach, supported by a broad range of portfolio management styles and affiliated research.

Anthony Falaro is a financial advisor at Fisher Investments with 14 years of industry experience. He holds a Series 66 license and has been with Fisher Investments since 2014. Outside of his advisory role, he is a manager and member of THE VISTA COLLECTION LLC, a short-term rental accommodations business. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized Investment Policy Committee that integrates quantitative and qualitative research to construct globally diversified portfolios and utilizes tax-aware and defensive strategies to manage risk.

Gunnar Thowsen is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 16 years at Citigroup Global Markets. Thowsen also serves as a FINRA arbitrator in Washington, D.C. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including estate planning strategies and corporate financial planning agreements.

Juleane Spittler is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services Inc. Outside of her advisory role, she is involved in family agricultural ventures through membership in farmland rental LLCs. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include diverse financial products such as group annuity contracts and bank deposit sweep options.

William Bishoff is a financial advisor with Osaic Wealth, Inc., holding CFP® and ChFC® designations and over 30 years of industry experience. Prior to joining Osaic in 2025, he spent a decade with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. He is also involved in multiple business ventures, including serving as president and CEO of Bishoff Financial Group, which encompasses financial planning and advisory services. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering integrated brokerage, advisory services, financial planning, and access to a wide range of investment platforms and third-party money managers. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Russell Jacobs is a financial advisor with Ameriprise in Fallbrook, CA, holding a Series 66 designation and 18 years of industry experience. He worked at Edward Jones from 2007 to 2018 before joining Ameriprise Financial Advisors Inc., where he served from 2018 to 2020, and then Ameriprise from 2020 to the present. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations tailored to client needs, supported by a centralized consulting team and algorithmic processes overseen by a Retirement Income Oversight Committee.

David Massey is a Senior Resident Director specializing in short-term liquidity strategies for corporations and institutions. He currently serves in Merrill’s Rancho Santa Fe office, where he focuses on corporate executive services, institutional investment consulting, and liquidity management. David has 15 years of experience in the financial services industry. He began his career as a Client Associate at Merrill Lynch Wealth Management in La Jolla. He then spent eight years as a partner in UBS’s Corporate and Institutional Services Group before forming his own Corporate Cash Management team at Smith Barney. During his tenure as a Corporate Client Group Director at Smith Barney, he was recognized on On Wall Street’s “Top 40 Advisors Under 40” list, ranking 17th in 2009 and 8th in 2010. David joined Merrill’s Carlsbad office as a Senior Vice President in 2011 and was promoted to Resident Director in 2013. David holds a bachelor’s degree from Wheaton College, where he also played football. He resides in Rancho Santa Fe, California, with his wife Denise and their two sons. Outside of work, he enjoys camping, weight lifting, coaching his son’s flag football team, and spending time with his family.