Timothy Chen is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 credential and over 25 years of industry experience. His prior work includes positions at Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley DW Inc. He has been with Raymond James & Associates since 2019. 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, institutional and pension plans, and municipal entities, offering financial planning and consulting services through various programs and supported by extensive research and portfolio management resources.

Brian Suttle is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. He previously worked at Edward Jones for six years and LEDVANCE for three years. Outside of his advisory role, he is involved as a borrower for Thormalhen Holding Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Samuel Tapia is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior experience includes roles at Morgan Stanley and its affiliates from 2000 to 2010. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third parties to inform investment decisions.

Robert Coronel is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2011, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

William Stern is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Stern is involved as an advisory director in FM JAM and has a holding company named Chateau Rum Row. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and serving clients through both direct and corporate financial planning agreements.

David Deng is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, and previously at U.S. Bancorp Investments and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility, with certain portfolio services provided by affiliates.

Emily Provino is a financial advisor with LPL Financial and Lucia Securities, holding Series 63 and Series 65 credentials and 11 years of industry experience. She has been with LPL Financial since 2020 and with Lucia Securities since 2015. Outside of advisory work, she serves as a business development specialist with Lucia Management Company, a non-investment-related business service provider in San Diego. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, combining diverse advisory platforms with extensive non-advisory financial services.

Edward Signaigo III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes 15 years at Merrill and four years at Morgan Stanley. He is based in San Diego, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines brokerage and advisory solutions, managing roughly $671 billion in assets through a network of over 14,000 financial advisors.

Michael Green is a Financial Consultant at Fidelity Investments, a position he has held since 2020. Prior to this role, he served as an Investment Consultant at the same firm from 2019 to 2020. In his work, he focuses on partnering with clients to develop comprehensive financial plans, aiming to simplify the complexities of wealth planning and build trust-based relationships. He holds a California Insurance License, which supports his professional activities within financial consulting. Outside of his professional life, Michael Green has personal interests that include biking, fitness, golf, parenthood, snowboarding, and traveling.

Angelic Lemay is a Series 66-licensed financial advisor with 14 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior work includes roles at Commonwealth Financial Network, Fidelity, Merrill, and Edward Jones. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Jordan Papenfuss serves as a Planning Consultant at Fidelity Investments. In this role, he supports clients by helping them assess their current financial situations, identify future goals, and make informed decisions to optimize their financial plans. Jordan has been with Fidelity Investments since 2022, holding various positions including Customer Relationship Advocate, Investment Solutions Representative I and II, leading up to his current role. Before joining Fidelity, he worked as a Financial Coach at Utah Valley University from 2022 to 2023. He holds a California Insurance License.

Erica Del Rosario is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, Ameriprise Financial, and Northwestern Mutual Wealth Management Company. Outside of her advisory role, she serves as a notary public for clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools to model outcomes, while clients remain responsible for implementing and updating their plans.

Michael Bernier is a CFP® professional with 21 years of industry experience. He is currently with LPL Financial, having joined in 2024, and previously worked at Canter Wealth, Pure Financial Advisors, Inc., and Financial Designs LTD. He holds Series 63 and Series 66 licenses. 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 provides a range of financial planning and investment services through a large network of advisers and offers both discretionary and non-discretionary portfolio management with access to multiple investment strategies and institutional platforms.

John Peluso is a Senior Financial Advisor at Merrill Lynch Wealth Management, offering personalized wealth management strategies aligned with clients' long-term goals. He specializes in personal retirement planning, portfolio management services, and tax minimization, serving individuals, families, business owners, and professionals primarily in San Diego and California. With decades of experience, John employs a goals-based wealth management approach that emphasizes client participation and understanding of investment decisions. He hosts educational events on retirement planning, Social Security, and global market trends, assisting clients through major life milestones and financial transitions. His approach involves a comprehensive review of clients' financial situations using Merrill's planning tools and providing access to banking and lending resources through Bank of America. John holds a Bachelor's Degree from San Diego State University and holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in his community, including volunteer work with Canine Companions for Independence, and participates in organizations such as the Athenaeum Music & Arts Library. His personal interests include golfing, tennis, and yoga.

Todd Vitale is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 38 years of industry experience. His career includes positions at Morgan Stanley from 2008 to 2015 and UBS Financial Services from 1997 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data sources.

Manuel Contreras is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including New York Life Insurance, Northwestern Mutual, and Wells Fargo. Outside of his advisory role, he is involved in event planning and luxury restroom services businesses, as well as holding an alcohol and beverage license for private and social events. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

Nathan Labiak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been advising clients on wealth management and investment strategy since 1998 and joined Merrill Lynch in 2003. Nathan leads a team working with affluent individuals, families, business owners, and executives on complex financial decisions including retirement planning, concentrated wealth management, liquidity events, tax strategies, estate planning, and multigenerational wealth transfer. Nathan's approach involves a comprehensive assessment of each client's financial landscape, considering income requirements, risk tolerance, tax exposure, estate goals, family priorities, and legacy objectives. He designs personalized strategies to bring structure and clarity to managing significant wealth, coordinating with clients' tax and legal advisors to emphasize tax-aware investment planning and integrated wealth management. He holds the Certified Investment Management Analyst® (CIMA®) designation, Certified Private Wealth Advisor® (CPWA®) designation, CERTIFIED FINANCIAL PLANNER® certification, and other professional credentials. Nathan earned his bachelor's degree in finance from the California State University system. He is involved with the Helen Woodward Center, San Diego Humane Society, and Sigma Chi Alumni. Nathan lives in Cardiff-by-the-Sea with his family and enjoys camping, surfing, and the outdoors.

Jennifer D'Amico is a financial advisor at LPL Financial with 23 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Merrill and Wells Fargo Clearing. Outside of her advisory role, she operates JD Consulting, a non-investment-related business. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Adam Arthur is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Cetera and has experience in various roles including education and entrepreneurial ventures. Outside of finance, he has participated in several businesses such as TalentLink dba RemoteLink Solutions and Blue Ocean Harumama. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, serving a wide range of clients through both direct and corporate financial planning agreements.

Jack Conway is a financial advisor at Charles Schwab in La Jolla, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he held roles outside the financial industry, including positions at Alex Madonna Gold Rush Steakhouse and Bobby Valentine's Sports Academy. Charles Schwab 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 mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.