Lance Peters is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He has worked at LPL Financial since 2018 and is also associated with Lucia Capital Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management, supported by research from LPL and third-party subadvisors.

Janet Calcagno is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, utilizing structured discovery conversations and firm-approved planning tools.

Daniel Eastwood is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked in various roles within Wells Fargo since 2009, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad menu of planning options. The firm uses proprietary research, planning tools, and simulation models to develop tailored recommendations, offering services that range from retirement and estate planning to specialized areas like business-owner transition and sports and entertainment planning.

Alex Ostrove is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and global market analysis.

Kenneth Kim is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and CITIGROUP. His current tenure at J.P. Morgan spans six years. 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 an ESG eligibility framework. The firm delivers these services through a select group of Wealth Advisors on a non-discretionary basis.

Wade Shumway is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior work includes five years at National Planning Corporation and multiple tenures with LPL Financial beginning in 2017. He is also involved with Lucia Capital Group, which operates as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research from LPL Research and third-party subadvisors, and advanced portfolio management techniques.

Howard Meyerson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. His prior roles include positions at Bank of America and Merrill. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Chad Clay is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding Series 63 and Series 65 credentials and six years of industry experience. His prior work includes roles at Equitable Network LLC and Equitable Advisors, as well as positions outside finance such as with the San Diego County District Attorney's Office and Stafford Surf School. 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 when recommending strategies.

Dashiell Weiner is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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 large institutional advisory operations with affiliated brokerage and investment management capabilities.

Joseph Gompers is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. He previously worked at New York Life Insurance Company and Carofin, and was a full-time student from 2012 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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.

Sara Hecht is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has 11 years of industry experience. She has been associated with Fidelity and its related entities since 2014. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies, oversight controls, and formal advisory roles to multiple registered investment companies.

Saul Serano is a financial advisor with Charles Schwab holding a Series 66 designation and 10 years of industry experience. His work history includes roles at TD Ameritrade from 2016 to 2022 and at Charles Schwab since 2022, currently based in San Diego, CA. 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 affiliated discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Mark James is a financial advisor at J.P. Morgan Securities with two years of industry experience. He previously worked at First Republic Bank from 2015 to 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework when recommending investment strategies and offers services on a non-discretionary basis.

Shu Chi Liu Ouk is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with LPL Financial since 2012. Outside of her work at LPL, she is involved with SL Wealth Management, Inc., which offers financial securities and services including portfolio analysis, retirement planning, and educational seminars. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Rasaan Moshesh is a Series 66-licensed financial advisor with Edward Jones, based in Encinitas, CA, and has five years of industry experience. Prior to joining Edward Jones in 2022, he worked at MyVest and Clear Capital, Inc. He also owned and managed a rental property in Truckee, CA, from 2019 to 2022. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a range of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of more than 23,700 advisors.

Anthony Perkins is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has extensive experience in financial consulting, having previously served as Regional Vice President at Fisher Investments from 2021 to 2022, Senior Financial Consultant at TD Ameritrade from 2013 to 2021, and Licensed Financial Consultant at PNC Investments from 2009 to 2013. Anthony holds a California Insurance License. He approaches financial planning as a collaborative process, aiming to build financial plans with clients in a friendly and conversational manner. He believes that effective planning is essential and strives to help clients reduce financial stress through this process. Outside of his professional work, Anthony's personal interests include cars, fitness, food, hiking, scuba diving, and tennis.

Diego Ruiz is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he worked in the technology and fitness sectors, including roles at FIT3D, ForUsAll, DoorDash, and Microsoft. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management, serving a broad range of investors including registered investment companies and charitable funds.

Xiner Zhang is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, Zhang held various roles in education and technology, including positions at the University of California, Berkeley, Mo-Yi Tech, and KuraCare Inc. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and proprietary planning tools in its financial planning process.

Adam Rubin is a financial advisor at J.P. Morgan Securities with one year of industry experience. He previously worked for The Informed Momentum Company for 12 years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and operates within the broader J.P. Morgan broker-dealer and banking organization.

Richard Dahl is a financial advisor at LPL Financial with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at CUSO Financial Services, LP and Sorrento Pacific Financial, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.