Craig Kaiser is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory work, Kaiser owns rental property in Carlsbad, California. 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 and utilizes firm-approved planning tools and modeling techniques as part of its services.

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.

Sarah Wallace is a Series 66-licensed financial advisor at Merrill with seven years of industry experience. She has worked at Merrill and Bank of America since 2017 and 2018, respectively. Outside of her advisory role, she serves as a trustee and successor trustee for family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering a range of asset allocation and tax-aware investment options.

Kathryn Bannister is a financial advisor at Morgan Stanley with 32 years of industry experience. She has held roles at Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets from 1997 to 2009. She holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a wide range of advisory programs and financial planning services that incorporate structured discovery and planning tools, managing approximately $2.74 trillion in client assets.

Afick Sharar is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been affiliated with Morgan Stanley entities since 2008. Sharar operates out of Carlsbad, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialty activities such as private funds and principal trading.

Michele Martinez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2018, also working at JPMorgan Chase Bank, N.A. since 2014. Martinez previously had involvement with Prepkitchen La Jolla, LLC. 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. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by centralized due diligence and ESG eligibility processes.

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 who holds Series 63, Series 65, and Series 66 designations and has 23 years of industry experience. She has worked at OSAIC since 2023 and previously at Sagepoint Financial Inc., Independent Capital Management, and Turning Points Advisory Timing Service Inc. In addition to her advisory role, she owns and operates KND Financial, a sole proprietorship involved in insurance sales. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to construct portfolios that may include a variety of investment types managed on discretionary or non-discretionary bases.

Jose Cuevas is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Charles Schwab, TD Ameritrade, and Wells Fargo. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, advisory programs, and institutional consulting.

Sebastian Hochule is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 10 years of industry experience. His career includes roles at Wells Fargo Clearing, Bank of America, Merrill, and Edward Jones. Morgan Stanley Wealth Management serves individual and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

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.

Dylan Cooke is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 designation and has previously worked at MMA Asset Management LLC, MMA Securities LLC, Bank of America, N.A., and Merrill. He is based in San Diego, CA. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management services.

Noah Mc Kemy is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at California Bank and Trust for three years and has experience in various roles including at Chick-fil-A and UPS. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment options supported by a large network of advisors and branches across the U.S.

Jason Wang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Preston Schumacher is a financial advisor with LPL Financial in San Diego, CA, holding the CFP®, ChFC®, and Series 66 credentials and bringing 21 years of industry experience. His prior roles include positions at Raymond J. Lucia Companies, Lucia Capital Group, and Lucia Securities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting its network of advisors with research, technology, and a broad range of financial services.

Danielle Uy is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, Merrill, and several companies outside finance including Amazon and Macy's. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations in standalone planning.