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 16 years of industry experience. He has been with Edward Jones since 2014 and holds the Series 63 and Series 66 designations. Outside of advising, he owns Faith Over Fear, an apparel business that sells hats to benefit a local charity, and works part-time in food delivery. 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 provides a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Zachary Cohodes is a financial advisor at Raymond James & Associates with a Series 66 designation. He has a background in technology and consulting, having worked at Five9, Hexagon SIG, and Accenture prior to joining Raymond James. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Kristina Sevier is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her financial services career in 2012, with experience at USAA before joining Merrill Lynch. In 2018, she became part of the Morris Sevier Wealth Management Group, advancing from Client Associate to Financial Advisor. Kristina assists clients in managing their individual wealth and offers a comprehensive approach grounded in understanding their unique goals. Her expertise includes college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and addressing the financial needs of women and wealth. Kristina holds the Personal Investment Advisor (PIA) designation. Kristina earned a high school diploma from Salem Senior High School and a bachelor's degree from Indiana Wesleyan University. She lives in Norfolk, Virginia with her husband, who is active duty in the US Navy, their two children, and their family dog. She is involved with various groups and organizations in the military community and enjoys running, hiking, traveling, and spending time with her family.

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 a Series 66 credential and approximately one year of industry experience. His prior roles include positions at Breakaway Wealth Management, Pace University, Southwestern Community College, and various retail establishments. Fidelity’s Strategic Advisers LLC 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 combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, supporting its investment decisions through systematic methodologies and long-term asset allocation benchmarks.

Breda Blake is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and six years of industry experience. She has been associated with various entities within the J.P. Morgan organization since 2014. 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 applying an ESG eligibility framework within its investment recommendations.

Bryn Tannone is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 65 and Series 63 licenses and bringing three years of industry experience. Prior to Fidelity, Bryn held roles in various industries, including entertainment and hospitality, and spent time affiliated with the University of Colorado, Boulder. Fidelity’s Strategic Advisers LLC serves a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio services. The firm employs a combination of proprietary fundamental research and quantitative analysis in its investment process, utilizing systematic methodologies and algorithmic portfolio construction.

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.

Kristin Dornbusch is a Series 66-licensed financial advisor with Merrill in Rancho Santa Fe, CA, where she has worked since 2009, accumulating 17 years of industry experience. 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 a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Angeles is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at Bank of America Merrill Lynch since 2017, including prior roles at Merrill Lynch and Bank of America. He is based in San Diego, CA. 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 strategies to individuals, high-net-worth clients, pension and profit-sharing 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 in San Diego, CA, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Outside of his advisory work, he serves as a FINRA arbitrator when called. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through 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.

Cody Cabot is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked at Cabot Financial Advisors and held roles at Twilio, Wisetack, Winning Windows Inc., and Kiavi. He is also a licensed insurance agent. 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, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.