Jeffrey Ardantz is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding Series 65, 66, and 63 registrations and bringing 24 years of industry experience. Prior to joining Raymond James in 2016, he worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of advising, he is involved in an agriculture and farming business, Henri P Ardantz LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, and charitable and governmental entities. The firm offers tailored, primarily non-discretionary financial planning and investment consulting, supported by a broad range of portfolio management styles, firm research, and affiliated sub-advisers.

My Linh Phan is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. Prior to joining Fidelity, she worked at Comerica Bank and was involved with Black Diamond Realty LLC for three years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and is noted for its use of systematic methodologies and delegation to sub-advisers.

Robert Kearney is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, ClearPoint Neuro, IRRAS USA, and Philips. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Meghan Fiorito is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds the Series 66 designation and has been with Wells Fargo in various capacities since 2012. 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 advisory services. The firm’s process is IPS-driven, grounded in modern portfolio theory, and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Christopher Lloyd is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and ChFC® designations and possessing 27 years of industry experience. His prior roles include positions at Lucia Securities LLC and Planner Resource Group, LLC, along with managing his own consulting and capital group businesses. Lloyd operates an insurance agency as part of his other business activities. LPL Financial serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides various management approaches, model portfolios, and technology-driven solutions to support diversified investment strategies.

Robert Rose is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. In his role, Rob focuses on helping wealthy families, corporate executives, and retirees develop strategies to preserve assets, create liquidity, and meet retirement goals. He is also a Senior Portfolio Manager, managing personalized and defined investment strategies for his clients. Rob has over 34 years of experience in the financial services industry. He holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and maintains several FINRA registrations including Series 7, 31, 63, 65, 3, and 8. Prior to joining Merrill, he worked for 16 years at Morgan Stanley, where he held titles such as Senior Vice President and Assistant Branch Manager. In 2019, he attained the Managing Director title at Merrill, the highest recognition for a financial advisor at the firm. Rob has been named to the Forbes "Best-in-State Wealth Advisors" list for nine consecutive years, from 2018 through 2026. Rob holds a bachelor's degree from San Diego State University. Outside of work, he enjoys baseball, basketball, boating, chess, golfing, pickleball, reading, traveling, and spending time with his wife Anastasia, their two children Jessica and Charlie, and their dogs Beans and Gouda.

Bradley Secord is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves on the board and finance committee of the John M Scott Health Care Commission and is involved in a music production business. 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 advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Victor Vera Morales is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at US Bank Private Wealth Management, Charles Schwab, and OTR Capital. J.P. Morgan Securities 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 in its recommendations.

Zachary Moreo is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jason Polk is a financial advisor at Edward Jones in San Diego, CA, with 16 years of industry experience. He has been with Edward Jones since 2014 and holds the Series 63 and Series 66 designations. Outside of advising, he owns Faith Over Fear, an apparel business that sells hats to benefit a local charity, and works part-time in food delivery. 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 provides a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Zachary Cohodes is a financial advisor at Raymond James & Associates with a Series 66 designation. He has a background in technology and consulting, having worked at Five9, Hexagon SIG, and Accenture prior to joining Raymond James. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Kristina Sevier is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her financial services career in 2012, with experience at USAA before joining Merrill Lynch. In 2018, she became part of the Morris Sevier Wealth Management Group, advancing from Client Associate to Financial Advisor. Kristina assists clients in managing their individual wealth and offers a comprehensive approach grounded in understanding their unique goals. Her expertise includes college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and addressing the financial needs of women and wealth. Kristina holds the Personal Investment Advisor (PIA) designation. Kristina earned a high school diploma from Salem Senior High School and a bachelor's degree from Indiana Wesleyan University. She lives in Norfolk, Virginia with her husband, who is active duty in the US Navy, their two children, and their family dog. She is involved with various groups and organizations in the military community and enjoys running, hiking, traveling, and spending time with her family.

David Smith is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He previously worked at Morgan Stanley for 15 years before joining his current firm. Smith serves as an officer and board member of Friends of Fairfield Rugby, a nonprofit supporting the Fairfield University Rugby Club. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides a collaborative planning process using firm-approved analytical tools and offers specialized programs such as estate settlement and employer-sponsored planning.

Patrick Archer is a financial advisor at Fidelity with a Series 66 credential and approximately one year of industry experience. His prior roles include positions at Breakaway Wealth Management, Pace University, Southwestern Community College, and various retail establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, supporting its investment decisions through systematic methodologies and long-term asset allocation benchmarks.

Breda Blake is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and six years of industry experience. She has been associated with various entities within the J.P. Morgan organization since 2014. 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 within its investment recommendations.

Bryn Tannone is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 65 and Series 63 licenses and bringing three years of industry experience. Prior to Fidelity, Bryn held roles in various industries, including entertainment and hospitality, and spent time affiliated with the University of Colorado, Boulder. Fidelity’s Strategic Advisers LLC serves a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio services. The firm employs a combination of proprietary fundamental research and quantitative analysis in its investment process, utilizing systematic methodologies and algorithmic portfolio construction.

Paul Kennedy is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He previously served in the U.S. Navy from 2016 to 2024 before entering the financial services sector. He provides investment advice and wealth management services through Forrest Investment Services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options with discretionary and non-discretionary authorities, supported by a large network of independent advisors and a variety of affiliated and third-party investment resources.

Kristin Dornbusch is a Series 66-licensed financial advisor with Merrill in Rancho Santa Fe, CA, where she has worked since 2009, accumulating 17 years of industry experience. 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. The firm offers a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Angeles is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at Bank of America Merrill Lynch since 2017, including prior roles at Merrill Lynch and Bank of America. He is based in San Diego, CA. 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. The firm offers model-based and discretionary strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mered Oren is a financial advisor at Stifel with 39 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services such as fee-based financial planning and wrap programs. 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 guide asset allocation and planning decisions.