Megan Schenck is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Flynn Financial Group, CBRE, and other firms. She is involved with Flynn Financial Group LLC in a non-investment advisory capacity. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Kirsty Miller Hopkins is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked in various roles including at J.P. Morgan and JPMorgan Chase Bank. Outside of her advisory role, she is a shareholder and development partner in California Fresh Almonds, an almond production company. 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis while maintaining a centralized due-diligence framework.

Christopher Fenimore is a Series 66 licensed financial advisor with 17 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics, with options to combine planning and managed account services under a consolidated billing arrangement called “WealthPlan.”

Jon Schmauss is a financial advisor at Morgan Stanley with 58 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.

Garrett Ringlever is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining LPL in 2024, he worked at Primerica Advisors and Primerica Financial Services, among other roles outside the financial sector. He is also involved with QualiCare in a non-investment capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory services including financial planning and third-party asset management, supported by a large network of investment adviser representatives and proprietary research tools.

Steven Freeman is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2007 in various roles. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad investable universe, with oversight of sub-advisers and conflict-of-interest controls.

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.

Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

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 at J.P. Morgan Securities with Series 63 and Series 65 licenses and three years of industry experience. He has been with J.P. Morgan Securities since 2022 and is also associated with JPMorgan Chase Bank, N.A. since 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using quantitative asset-allocation modeling and centralized due diligence to deliver customized investment advice on a non-discretionary basis.

James Lindsay is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at SagePoint Financial and Guardian Life Insurance Company of America. Outside of advisory work, he manages an independent plane rental club and owns a custom T-shirt business. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutions, offering a range of integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

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 worked at Lincoln Financial Advisors Corporation for 21 years before joining OSAIC in 2025. Vieira holds Series 63 and Series 65 credentials and serves as a co-trustee for his parents' revocable trusts. He is also involved in offering various insurance products and managing a 401(k) plan for his employees. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through an extensive network of advisors. The firm provides brokerage and advisory services with access to multiple investment platforms, utilizing asset-allocation tools and third-party manager solutions to construct tailored portfolios.

Peter Moehrke is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he is the sole owner of MNM Thoroughbred, a business involved in breeding and racing horses. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

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.

Bruce Baker is a financial advisor with Stifel who holds a Series 63 designation and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. 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 support asset allocation and financial planning analyses.

Michael Puente is a financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, Puente is an artist. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.