Brendan White is a CFP® with 16 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his advisory role, he owns a rental property in Baja California, Mexico. J.P. Morgan Securities provides institutional consulting services to clients such as 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Jeffrey Todd is a financial advisor at Raymond James Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Raymond James since 2008, as well as operating Todd Financial Group since 2008. Outside of his advisory work, he assists with a vacation rental business in Carlsbad, California. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as pension plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a broad advisor network.

Griffin Gaughran is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and three years of industry experience. His prior work includes roles at Thrivent Financial and Pacific Dental Services. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers, providing ongoing financial planning, asset management, and educational seminars.

Yoko Wickersham is a CFP®-certified financial advisor with 28 years of industry experience, currently serving clients at LPL Financial since 2013. Based in Escondido, CA, she holds Series 63 and Series 66 licenses. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers discretionary and non-discretionary management, model portfolios, and research from multiple sources, along with specialized programs for institutional clients.

Jeffrey Ross is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining Raymond James in 2023, he worked at Transamerica Capital, Inc. for eight years. He is also engaged in a support role at Addison Avenue Investment Services, assisting a financial advisor team. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes non-discretionary planning tailored to client goals and incorporates analytical tools such as risk profiling and probability modeling in its approach.

Jason Egnew is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has prior experience at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, Egnew serves in the U.S. Army Reserve. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary recommendations supported by a centralized due-diligence framework.

Gregory Ratchuk is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 48 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Todd Clark is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and with 30 years of industry experience. He has been with Cambridge Investment Research, Inc. since 2010 and is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Union Banc Investment Services for 10 years before joining LPL Financial in 2020. Roybal also manages Roybal Wealth Management as an ancillary business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Christopher Banta is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several notable firms including Merrill Lynch, Bank of America, and PNC Investments. Prior to his financial career, he worked with the San Diego Unified School District and as a self-employed consultant. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and centralized operational infrastructure.

June Falales is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at firms including Bank of America/Merrill and Prudential Financial. She also has a long career experience at Tiffany & Company. 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 to its recommendations.

Adrian Concepcion is a CFP® and ChFC® with 27 years of industry experience. He is currently with Ameriprise and has previously worked at WCG Wealth Advisors, LPL Financial, Bank of America, and Merrill. Outside of his advisory role, he serves as Vice President of the San Diego - Imperial Counties Kids Wrestling Association and as Kids Director for California USA Wrestling, Inc. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Stephen Gurley is a financial advisor at Morgan Stanley with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Gurley holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery and firm-approved tools.

William Tychsen II is a financial advisor with OSAIC, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His career includes roles at First Tech Federal Credit Union and Raymond James Financial Services. He is also the CEO of Tychsen Advisory Group, a financial advisory business. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services with access to a variety of investment products and third-party managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios tailored to client risk profiles.

Christopher Szot is a financial advisor with Wells Fargo Advisors who holds the ChFC® designation and has 21 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Szot owns Crown Wealth Management, LLC, an investment-related business based in Vista, California. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations based on Wells Fargo research and planning tools, with services designed to address various financial planning needs, including niche areas such as business-owner transition and special-needs planning.

Kenneth Patterson Jr. is a CFP® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2008. He has 17 years of industry experience. Outside of his advisory role, he serves as a head official and assists in training novice referees for adult recreational sports. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products through a large network of advisors and branch offices.

Jennifer Duggan is a financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2013 and holds Series 63 and Series 65 licenses. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and retirement plan consulting, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

Douglas Cole is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2020. He operates Cole Financial Inc., a business related to his LPL advisory work. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of representatives, offering a range of advisory and brokerage services.

Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.