Nicholas Mc Coy is a CFP® with four years of industry experience, currently serving as a financial advisor at Stifel since 2021. Prior to joining Stifel, he worked for the Los Angeles Angels for five years. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Alan Sweeten is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 21 years of industry experience. He has been associated with LPL Financial since 2005 and operates Flight Plan Financial Services, which he founded in 2010. Outside of his advisory work, he is involved in a small internet-based business creating custom woodworking projects. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Edward Quinlan is a financial advisor at Osaic Wealth, Inc. based in Carlsbad, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience, previously working for FSC Securities Corporation for 14 years prior to joining Osaic in 2023. Quinlan operates a business named Quinlan Financial, through which he provides registered products as well as life, health, and disability income insurances. Osaic Wealth serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools and third-party platforms to manage portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Erin Bethge is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2019. Prior to this, she worked at Bank of America and Merrill from 2015 to 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 investors, and municipal entities, offering financial planning and consulting services with a range of investment management options.

Stacey Herrle is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Kimberly Kuyper is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following seven years with Wells Fargo Advisors LLC. Outside of her advisory role, she is a notary public in San Diego, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Christopher Deleon is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked at JPMC Bank NA and Bank of America N A prior to his current role. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

James Gilmore is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads goals-based wealth management efforts for a select group of affluent clients and their families. His approach focuses on understanding clients' priorities, goals, and aspirations to develop personalized financial strategies. James analyzes current market trends and economic data to identify opportunities and challenges, aiming to provide clarity and simplicity in a complex financial environment. James began his financial services career in 1981 at Merrill Lynch Wealth Management as an Operations Specialist. He gained experience as Vice President of High Yield and Convertible Bonds at Drexel Burnham Lambert and as Vice President of Taxable Fixed Income at Jefferies & Company before returning to Merrill in 2001. His client focus includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Arts degree in Political Science from Middlebury College and earned the Certified Investment Management Analyst® (CIMA®) designation as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant. James is also a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Investments & Wealth Institute and supports community organizations including Rady Children's Hospital, San Elijo Lagoon Conservancy, Surfrider Foundation, and Sierra Club. Additionally, he participates in the Middlebury College Alumni Admissions Program. Outside of work, James enjoys biking, boating, gardening, ice hockey, music, running, skiing, and traveling.

Kayla Mendez is a Financial Consultant at Fidelity Investments, where she has been working since 2026. Prior to this role, she held various positions within Fidelity Investments, including Investment Consultant, Planning Consultant, Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate, gaining comprehensive experience in financial services. She holds a California Insurance License, which supports her advisory capabilities. Kayla is committed to helping clients develop and implement financial plans aligned with their goals by understanding their personal values and overall financial situations. Outside of her professional work, Kayla enjoys cooking and baking, participating in family activities, fitness, reading, and running.

Hannah Fernandez is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A., as well as Ernst & Young and several educational organizations. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework applied to investment recommendations.

Matthew Warter is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Russell Investments and CalPro Network Financial Services. Outside of his advisory role, he is involved with Swell Wealth Management, a non-investment-related business entity. LPL Financial serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

Kailen Cook is a financial advisor at Edward Jones with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Voya Financial Partners, OneAmerica Securities, and LPL Financial. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs. The firm manages approximately $1.01 trillion in assets and supports its clients through a large nationwide network of advisors and branch offices.

Veronica Rodriguez is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Kelly Takacs is a Planning Consultant at Fidelity Investments, a role she has held since 2021. Prior to this, she worked as a Relationship Manager from 2018 to 2021 and as a Financial Representative from 2016 to 2018, all within Fidelity Investments. Kelly holds a California Insurance License. Her professional approach involves gaining a deep understanding of her clients' situations to build plans that support their needs and desires. Outside of her professional work, Kelly has interests in fitness, pets, Pilates, traveling, and yoga.

Ann Tu is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. 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 supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Benjamin Solari is a financial advisor at Fisher Investments with nine years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2015. The firm serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management and comprehensive investment services. Fisher Investments employs a centralized investment approach combining quantitative and qualitative analysis to construct diversified portfolios and manages risk through various tax-aware and defensive strategies.

Carrie Vilaplana is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. Her career includes roles at JPMorgan Chase Bank, Unionbanc Investment Services, and Wells Fargo Advisors. She serves as President of the CREW San Diego Building Futures Foundation, a nonprofit supporting education and certification advancement in the industry. 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 team of Wealth Advisors. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities.

Graydan Smith is a financial advisor with LPL Financial, holding a Series 66 credential and six years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America, Merrill, and Domas Capital Group. His background also includes experience at California Polytechnic State University and the San Luis Obispo Country Club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Arda Okcuoglu is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he held roles at Citibank and worked in various capacities outside finance, including at Blackhorse Coffee & Espresso and Lokum. He also pursued full-time education at Cal Poly San Luis Obispo. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored through proprietary research and model-based asset allocations.

Zachary Sundstedt is a financial advisor at Morgan Stanley in Carlsbad, CA, with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at The Vanguard Group and Morgan Stanley Private Bank, N.A. Outside of his advisory roles, his background includes various self-employed ventures and positions in the food service industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to develop tailored plans.