Michelle Jenkins is a Planning Consultant at Fidelity Investments, where she focuses on understanding clients' personal situations and financial objectives through comprehensive planning. She partners with clients to identify opportunities for education about Fidelity's investment strategies and available resources. Michelle brings nearly 30 years of industry experience, having held various roles at Charles Schwab & Co., Inc., including Senior Client Relationship Specialist, Client Relationship Manager, Investment Consultant, and Client Service Representative. She holds a California Insurance License. Outside of her professional work, Michelle enjoys attending concerts, traveling, and volunteering.

Maura Mc Mahon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with J.P. Morgan in various capacities since 2011, including roles at J.P. Morgan Investment Management Inc. and J.P. Morgan Institutional Investments Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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.

Sean Connors Sr. is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 65 and Series 63 designations. His prior experience includes roles at Northwestern Mutual Investment Services LLC, DiversyFund, and FBN Securities, as well as self-employment periods. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

William Friess is a financial advisor at OSAIC with a Series 66 designation and 47 years of industry experience. He previously worked at Woodbury Financial Services, Inc. for 19 years before joining OSAIC in 2024. Friess is also the owner of Friess Consulting Group, where he coaches financial services professionals and is involved in fixed insurance product sales. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with financial planning and retirement consulting. The firm utilizes various analytical tools and supports both discretionary and non-discretionary account management with access to multiple third-party managers and wrap programs.

John Loehr is a financial advisor with Edward Jones in Santee, CA. He holds the Series 66 designation and has eight years of industry experience, including two years at GAF prior to joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and access to separately managed accounts, and operates under a fiduciary standard.

Rashard Cook is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked with Rjl Wealth Management and Lucia Securities prior to joining LPL Financial. Outside of his advisory work, he serves as an assistant football coach in Chula Vista, CA. 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 representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by extensive research and model portfolios.

Jason Kaimer is a financial advisor at UBS Financial Services with 26 years of industry experience. He previously worked at First Republic Securities Company LLC and First Republic Bank for over two decades. He holds Series 66 and Series 63 designations and is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Brett Everhart is a CFP® professional with 43 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at multiple firms, including Addison Avenue Financial Partners and First Investments & Planning. Outside of his advisory work, Everhart is involved in managing rental real estate properties. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored strategies through a variety of implementation options supported by in-house research and an extensive affiliate network.

Wyatt Farmer is a financial advisor at Stifel with 22 years of industry experience. He has been with Stifel Nicolaus 7 Co Inc since 2015 and holds Series 63 and Series 65 licenses. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering both brokerage and investment advisory services. 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 support asset allocation and financial planning.

Catherine Edwards is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and bringing 38 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Hana Jo is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith since 2016, as well as Bank of America, N.A. since 2023. Outside of her advisory role, she serves as co-trustee of The J-A Family Trust. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Victoria Horowitz is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized financial planning, tax-efficient wealth strategies, and smart portfolio management tailored to clients' long-term goals and evolving financial landscapes. Her approach is relationship-driven, focusing on understanding each client's individual goals, values, and concerns to build effective financial plans. Victoria holds a Bachelor's Degree from the University of Texas at Dallas and has earned professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations such as Better Money Habits, the Junior League of San Diego, and has served as President of the Women Exchange San Diego Chapter. Her community involvement extends to organizations like Doors of Change San Diego, Food Bank San Diego, as well as participation in events including the Genesis Invitation Golf Tournament and the Hoag Classic Golf Tournament. Outside of her professional commitments, Victoria enjoys activities such as cooking, hiking, reading, running, spending time with family, swimming, tennis, traveling, writing, and yoga.

Jee Eun Decker is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, Wells Fargo, LPL Financial, and Lucia Management Co LLC. J.P. Morgan Securities 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

John Fieberg Jr. is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Edward Jones since 1998. Outside of his advisory role, he is involved with WaveMaker 360 Health III, an early-stage private health care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Gerad Mowrey is a CFP® with 27 years of industry experience, currently affiliated with LPL Financial in La Mesa, CA. He has worked with Summit Financial Group since 2016 and has been associated with LPL Financial since 2000. In addition to his advisory role, Mowrey is involved in tax preparation and accounting through his activities at Summit Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jerwin Paz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market-return modeling.

Thomas Kokjohn is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including work with Morgan Stanley Private Bank, National Association. He is based in San Diego, CA. 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 including tailored financial planning, managing approximately $2.74 trillion in client assets.

Ramiro Gomez Rincon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Ramiro earned his High School Diploma/GED from Universidad La Salle.

Mateo Zoroza Larcade is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies that align with clients' goals, values, and life stages. Mateo works closely with individuals on investment management, retirement planning, and navigating unexpected financial events to help clients make informed decisions with confidence. He holds a Bachelor's Degree from Arizona State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Mateo is fluent in both English and Spanish, facilitating communication with a diverse client base. Mateo's approach centers on understanding each client's unique story, experiences, and aspirations to create tailored financial plans. He welcomes opportunities to connect with clients to learn what matters most to them and assist in building strategies to pursue their financial goals.

Nadeene Itani is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America since 2012. Outside of her advisory role, she is a co-owner of a rental property with family members. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.