James Llovera is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 credential and has been affiliated with both Merrill and Bank of America since 2011. Outside of his advisory work, he owns and manages rental properties in California. 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, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Matthew Mc Gruder is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. for a combined total of 31 years. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment onboarding process.

Chad Waters is a CFP® professional with 11 years of industry experience, currently advising clients at LPL Financial since 2023. He previously worked at Edward Jones for eight years. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an advisory approach that includes discretionary and non-discretionary strategies supported by research and technology tools.

Samuel Lathus is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His work history includes roles at J.P. Morgan Securities since 2022 and JPMorgan Chase Bank, N.A. since 2021. 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 searches, and customized performance reporting within a non-discretionary program. The firm combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG considerations and utilizing broader derivatives and commodities capabilities.

Brad Sherman is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he served 22 years in the U.S. Marine Corps and has held roles in companies including Flower Drop, LLC and Compass Airlines, LLC. He also serves on the advisory board of a media production company, Kyro Digital. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional investment and trading activities.

Thomas Vieira is a financial advisor at Osaic with 32 years of industry experience. He previously spent 21 years at Lincoln Financial Advisors Corporation. Vieira is involved in managing insurance products and serves as a co-trustee for family revocable trusts as well as a trustee for a 401(k) plan. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory programs with a model-based investment process that supports asset allocation, portfolio optimization, and integration of third-party money managers.

Bradford Benter is a financial advisor with UBS Financial Services in San Diego, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets and research-driven investment solutions.

Peter Moehrke is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and bringing 34 years of industry experience. He previously worked at Morgan Stanley DW Inc. for seven years before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he is the sole owner of MNM Thoroughbred, a business focused on breeding and racing horses. 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 integrates research and analytics to support a range of brokerage and advisory solutions.

Zachary Carson is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66 designation and previously worked at Pruco Securities LLC and The Prudential Insurance Company of America. Outside of finance, he provides in-home supportive services to a physically disabled family member. Ameriprise offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations.

Darcy Wolfe is a CFP® with 12 years of experience at Edward Jones in Carlsbad, CA. Prior to joining Edward Jones in 2014, he served 20 years in the U.S. Navy/Reserves. 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 broad range of advisory and investment services through a large national network of advisors and branch offices.

Steven Adkinson is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management, based in La Jolla, California. He advises ultra-affluent individuals, families, and foundations, providing personalized wealth management strategies that align with clients' long-term financial goals. Steven's approach includes creating flexible financial strategies that adapt to changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Steven joined Merrill in 2008 after serving as a Senior Vice President at Morgan Stanley from 2000 to 2008. His expertise includes corporate benefits, corporate executive services, employee benefits planning, managing new wealth, and personal retirement planning. He holds a Bachelor's Degree from the University of California at Santa Barbara and carries the Personal Investment Advisor (PIA) designation. Beyond his professional work, Steven is actively involved in his community, serving as a board member for the Free Wheelchair Mission and Operation Homefront. In his personal time, he enjoys golfing, practicing yoga, and spending time with his family.

Niels Mohler is a Senior Financial Advisor at Merrill Lynch Wealth Management and has been with the firm since 2007. In his role, he focuses on retirement planning, education strategies, liability management, and legacy planning. He leads a team of five dedicated teammates, providing expertise in areas such as college education planning, divorce transition planning, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Before joining Merrill Lynch, Niels accumulated 18 years of experience as a Management Executive in Operations Management, serving several Fortune 500 companies. He holds a Bachelor's of Business Administration from James Madison University and a Master's of Business Administration from San Diego State University. He also holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Niels is involved with the Boys & Girls Club and resides in Encinitas with his wife and three daughters. Outside of work, he enjoys basketball, football, golfing, music, spending time with family, and traveling.

Michele Martinez is a financial advisor with J.P. Morgan Securities based in Poway, CA. She holds the Series 63 and Series 66 licenses and has seven years of industry experience. Prior to her current role at J.P. Morgan Securities, Michele was involved with JPMorgan Chase Bank, N.A. and operated Prepkitchen La Jolla, LLC for ten years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through tailored asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory approach combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

Michael Sorenson is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and over 37 years of industry experience. His prior work includes positions at The Wealth Advisors, VOYA Financial Advisors, and Transamerica Financial Advisors. Outside of financial services, he sponsors an educational website about the art of his late brother and serves as an independent insurance agent for fixed insurance products. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisers with advanced operational and research tools.

Michael Buttery is a financial advisor at Thrivent Investment Management with six years of industry experience. He holds a Series 66 designation and has been with Thrivent and its affiliated entities since 2020. His prior roles include positions at First Command Financial Planning and Bank of America. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written financial planning without implementation. The firm emphasizes holistic, goal-based analyses and separates planning services from managed-account programs through its consolidated billing option, WealthPlan.

Daniel Petrangelo is a financial advisor at Merrill in San Diego, CA, holding a Series 66 designation with six years at Merrill and four years previously at Wells Fargo Bank. He has three years of industry experience in total. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kelley Braaksma is a financial advisor with Osaic Wealth who holds Series 63, 65, and 66 credentials and has 23 years of industry experience. Prior to joining Osaic in 2023, she worked at Sagepoint Financial Inc. and Independent Capital Management, among other firms. She also owns KND Financial Position, a sole proprietorship involved in insurance sales. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services across various programs. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by risk-tolerance assessments and rebalancing tools, delivered through an extensive multi-advisor platform.

Jose Cuevas is a financial advisor at Raymond James & Associates with seven years of industry experience. He has held positions at Charles Schwab, TD Ameritrade, and Wells Fargo, including roles with Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. He holds Series 66 and Series 63 licenses and 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ramsey Israwi is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Thrivent Financial and its investment management arm since 2015. Israwi serves as a member of the Board of Trustees at Concordia University Irvine, providing an outsider’s perspective on university initiatives. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial topics. The firm’s approach separates planning from managed-account services and does not provide discretionary portfolio management for institutional clients.