Kenneth Judd is a CFP® professional with 33 years of industry experience, currently serving at Raymond James & Associates since 2018. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in San Diego, CA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a non-discretionary approach, supported by a broad range of portfolio management styles and affiliated research.

Sean Anthony is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining UBS in 2020, he worked at Bank of America, N.A. and Merrill Lynch Pierce Fenner & Smith from 2015 to 2020. Outside of his financial advisory role, he is involved in several real estate ventures through ownership in multiple LLCs. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and capital markets expertise.

Anthony Falaro is a financial advisor at Fisher Investments with 14 years of industry experience. He holds a Series 66 license and has been with Fisher Investments since 2014. Outside of his advisory role, he is a manager and member of THE VISTA COLLECTION LLC, a short-term rental accommodations business. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized Investment Policy Committee that integrates quantitative and qualitative research to construct globally diversified portfolios and utilizes tax-aware and defensive strategies to manage risk.

Gunnar Thowsen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Outside of his advisory work, he serves as a FINRA arbitrator when called. 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 customized financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Juleane Spittler is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services Inc. Outside of her advisory role, she is involved in family agricultural ventures through membership in farmland rental LLCs. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include diverse financial products such as group annuity contracts and bank deposit sweep options.

William Bishoff is a financial advisor with Osaic Wealth, Inc., holding CFP® and ChFC® designations and over 30 years of industry experience. Prior to joining Osaic in 2025, he spent a decade with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. He is also involved in multiple business ventures, including serving as president and CEO of Bishoff Financial Group, which encompasses financial planning and advisory services. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering integrated brokerage, advisory services, financial planning, and access to a wide range of investment platforms and third-party money managers. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

David Massey is a Senior Resident Director specializing in short-term liquidity strategies for corporations and institutions. He currently serves in Merrill’s Rancho Santa Fe office, where he focuses on corporate executive services, institutional investment consulting, and liquidity management. David has 15 years of experience in the financial services industry. He began his career as a Client Associate at Merrill Lynch Wealth Management in La Jolla. He then spent eight years as a partner in UBS’s Corporate and Institutional Services Group before forming his own Corporate Cash Management team at Smith Barney. During his tenure as a Corporate Client Group Director at Smith Barney, he was recognized on On Wall Street’s “Top 40 Advisors Under 40” list, ranking 17th in 2009 and 8th in 2010. David joined Merrill’s Carlsbad office as a Senior Vice President in 2011 and was promoted to Resident Director in 2013. David holds a bachelor’s degree from Wheaton College, where he also played football. He resides in Rancho Santa Fe, California, with his wife Denise and their two sons. Outside of work, he enjoys camping, weight lifting, coaching his son’s flag football team, and spending time with his family.

Cody Cabot is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked at Cabot Financial Advisors and held roles at Twilio, Wisetack, Winning Windows Inc., and Kiavi. He is also a licensed insurance agent. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

John Jacobson is a financial advisor at OSAIC with 36 years of industry experience. He holds the ChFC® designation and Series 63 and Series 66 licenses. His prior work includes positions at Sagepoint Financial, Wealth Preservation Group, and LPL Financial. Additionally, he operates a sole proprietorship as a life insurance agent. OSAIC serves a wide range of clients, including individual, high-net-worth, institutional, and corporate investors. The firm provides integrated brokerage and advisory services, using asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Katherine Gros is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has been with UBS since 2017 and previously worked at Alliance Residential for one year. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

Alisha Leone is a Certified Financial Planner™ (CFP®) with 10 years of experience, currently serving as an advisor at Wells Fargo Clearing since 2016. She is also registered with the Series 66 designation. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Tiffany Threadgill is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 5 years of industry experience. She has been with Wells Fargo Clearing since 2015. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

John Steccato is a financial advisor at Equitable Advisors with four years of industry experience. He holds a Series 66 designation and has prior work experience with Axa and in education, including San Diego State University and Carlsbad High School. Outside of his advisory role, he is involved in a fixed business activity unrelated to investments. Equitable Advisors serves a diverse clientele including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional entities. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through a dual registration as an SEC-registered investment adviser and broker-dealer.

Joseph Ortega is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. Before joining Raymond James in 2024, he spent over a decade at Morgan Stanley and its affiliated entities, including Morgan Stanley Private Bank, N.A. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a range of portfolio management styles and a broad affiliate network.

Jill Lukehart is a financial advisor with LPL Financial who holds a Series 63 designation and has 37 years of industry experience. She previously worked at RJL Wealth Management, LLC and Lucia Securities, LLC for eight years each before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Jeannette Fonoti is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at JP Morgan Chase Bank and J.P. Morgan Securities since 2015. Outside of her advisory role, she owns Recruiting Mentality, a business that guides parents of athletes through the athletic recruitment process from high school to college. 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 broker-dealer and investment advisory registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Isaiah Souza is a Financial Consultant at Fidelity Investments, where he works closely with his team to assist clients in developing personalized financial plans. He follows a structured four-step process to co-create strategies that align with clients' goals, concerns, and visions for their financial futures. Isaiah has held various roles within Fidelity Investments since 2021, including Investment Consultant, Workplace Planner III, and Central Relationship Manager. Prior to Fidelity, he held positions such as Senior Financial Assistant at Bangerter Financial, Financial Advisor at MassMutual, and Client Service Specialist at Ameriprise Financial. His career in the financial services industry began in 2013 as a Financial Services Professional. Isaiah holds a California Insurance License. Outside of his professional endeavors, he has interests in fitness, food, and traveling.

Robert Smith is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Dynatronics, Inc. and Breg, Inc., and spent a year self-employed. He serves as President of the Teen Volunteers in Action SD5 Chapter in Encinitas, CA, a parent-son volunteer organization partnering with local nonprofits. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard with a nationwide network of financial advisors and branch offices.

Nathan Fogleman is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at TD Ameritrade Investment Management, LLC, and Td Ameritrade, Inc. before joining Charles Schwab. 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 SMAs and offers a multi-asset investment approach supported by centralized operational and custody arrangements.

Jeremiah Rodgers is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His background includes roles outside finance, such as working at Cross Creek Golf Club and Linfield Christian High School. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.