Richard Plum is a Certified Financial Planner (CFP®) with 37 years of industry experience. He is currently affiliated with LPL Financial and has held roles at Lucia Securities, RJL Wealth Management, and operates Richard Plum Insurance. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a broad network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Matthew Ryan is a Series 66 licensed financial advisor with UBS Financial Services in San Diego, CA. He has six years of experience at UBS and four years of prior experience at Arizona State University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Erik Amirkhanyan is a financial advisor at Merrill with a Series 66 designation. He has been with Merrill since 2025 and has prior experience at Bank of America, N.A. Outside of his advisory role, he has worked in various industries including electric services and the restaurant sector. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Christopher Brown is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in capital markets and institutional trading. He focuses on delivering personalized financial strategies by thoroughly understanding each client's goals, risk attributes, and individual circumstances. His expertise includes college education planning, executive compensation, portfolio management services, tax minimization, and retirement income. Chris holds a Bachelor's Degree from Purdue University and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is fluent in English and Spanish, which supports his ability to serve a diverse client base. Outside of his professional responsibilities, Chris serves as a Board Member of the MAGIC Charities Foundation. He resides in New Hope, PA with his wife and three children. His personal interests include adventure sports, running marathons, and skiing.

Kevin Choi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 12 years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Shareholders Service Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Flavio Castillo is a financial advisor at Edward Jones in San Diego, CA, with six years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Castillo owns and operates Castle Endeavors, LLC, a cleaning company based in Chula Vista, CA. 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 range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Patrick Howard is a Series 66-licensed financial advisor with LPL Financial, based in El Cajon, CA, and has six years of industry experience. Prior to joining LPL Financial in 2023, he worked at Avantax Investment Services and Avantax Advisory Services from 2019 to 2023, and at 1st Global Advisors and 1 St Global Capital from 2018 to 2019. In addition to his advisory role, Howard has extensive experience in accounting and tax preparation, including ongoing involvement with HNK, CPAS LLP and his own business entity, Patrick Howard, CPA, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large 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, retirement plan consulting, and brokerage services.

Brooke Morris is a financial advisor at Fidelity with two years of industry experience. Prior to joining Fidelity, Brooke worked at Northwestern Mutual Wealth Management Company and SA Consulting. Before entering the financial sector, Brooke was involved with The Louis Armstrong Center for Music and Medicine. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it also serves as an advisor to multiple registered investment companies.

Mariana Mazon is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and four years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. Outside of her advisory role, she serves on the investment committee of the Mingei International Museum, a cultural institution in San Diego. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm utilizes structured financial planning tools and serves clients through both direct and corporate financial planning agreements.

Laura Taylor is a CFP® professional with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and Everstead Financial Group, having worked at Cetera Wealth Services, LLC since 2016. Her prior roles include positions at Cetera and Everstead Financial Group. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Michael Gondek is a financial advisor at Charles Schwab with 22 years of industry experience. He holds a Series 66 designation and previously worked at TD Ameritrade for 18 years before joining Charles Schwab. Outside of his advisory role, he is a part owner of Nomad Donuts, a retail cafe in San Diego. 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 and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Haris Gailani is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America and Wells Fargo during his career. Outside of advising, he owns a rental property. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Evan Angone is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. He previously worked at TD Ameritrade and Family First Life, among other firms, and has experience in both advisory and financial services roles. Outside the financial sector, he has worked in hospitality services at the Beverly Hills Hotel. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its large scale, integrated service model, and a range of advisory, brokerage, and custody solutions.

Bulent Erol is a financial advisor with Cetera, holding a Series 66 credential and over 13 years of industry experience. His background includes roles at Cetera Wealth Services, HBW Advisory Services, and HBW Securities. Outside of advising, he is a co-author of a book titled *The Informed Fed, A Survival Guide to Federal Employee Benefits* and serves as president and CEO of LHD Insurance & Financial Services, which offers financial services, tax planning, and insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management options, financial planning, and retirement services, with more than $256 billion in assets under management and over 10,000 advisors.

Tamara Huey is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she is involved in independent insurance brokering. Ameriprise serves individuals approaching or in retirement, typically with at least $1 million in investable assets, offering retirement-income planning through a centralized consulting team that combines research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Susan Alefi is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors. In addition to her advisory role, she is involved in teaching seminars and owns a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement consulting, and brokerage services with access to proprietary and third-party research and portfolio management solutions.

Xavier Ricart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2023, he spent a decade at Banco Santander Internacional from 2012 to 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm provides a broad range of services including portfolio management, financial planning, and capital markets solutions.

Marc Rupnow is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade Institutional from 2012 to 2023. Outside of finance, he was involved with Bali Hai Restaurant for a decade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Dakota Atchley is a financial advisor at Thrivent Investment Management with six years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Prior to his financial services career, he was involved in roles at DXC Technology, MetLife Investors Distribution Company, Spiritoux Wine & Liquor, Total Quality Logistics, and Brock Entertainment. Beginning in 2025, he plans to engage in freelance music production, including producing, songwriting, marketing, and music development. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based planning in areas such as retirement, tax, estate, and business continuation without discretionary portfolio management.

Andrea Sperduto is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She has worked at various Wells Fargo entities since 2015. Outside of her advisory role, she serves as power of attorney for her father. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, covering areas such as retirement, education, and specialized planning needs.