Michael Bernier is a CFP® professional with 21 years of industry experience. He is currently with LPL Financial, having joined in 2024, and previously worked at Canter Wealth, Pure Financial Advisors, Inc., and Financial Designs LTD. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment services through a large network of advisers and offers both discretionary and non-discretionary portfolio management with access to multiple investment strategies and institutional platforms.

John Peluso is a Senior Financial Advisor at Merrill Lynch Wealth Management, offering personalized wealth management strategies aligned with clients' long-term goals. He specializes in personal retirement planning, portfolio management services, and tax minimization, serving individuals, families, business owners, and professionals primarily in San Diego and California. With decades of experience, John employs a goals-based wealth management approach that emphasizes client participation and understanding of investment decisions. He hosts educational events on retirement planning, Social Security, and global market trends, assisting clients through major life milestones and financial transitions. His approach involves a comprehensive review of clients' financial situations using Merrill's planning tools and providing access to banking and lending resources through Bank of America. John holds a Bachelor's Degree from San Diego State University and holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in his community, including volunteer work with Canine Companions for Independence, and participates in organizations such as the Athenaeum Music & Arts Library. His personal interests include golfing, tennis, and yoga.

Todd Vitale is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 38 years of industry experience. His career includes positions at Morgan Stanley from 2008 to 2015 and UBS Financial Services from 1997 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data sources.

Nathan Labiak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been advising clients on wealth management and investment strategy since 1998 and joined Merrill Lynch in 2003. Nathan leads a team working with affluent individuals, families, business owners, and executives on complex financial decisions including retirement planning, concentrated wealth management, liquidity events, tax strategies, estate planning, and multigenerational wealth transfer. Nathan's approach involves a comprehensive assessment of each client's financial landscape, considering income requirements, risk tolerance, tax exposure, estate goals, family priorities, and legacy objectives. He designs personalized strategies to bring structure and clarity to managing significant wealth, coordinating with clients' tax and legal advisors to emphasize tax-aware investment planning and integrated wealth management. He holds the Certified Investment Management Analyst® (CIMA®) designation, Certified Private Wealth Advisor® (CPWA®) designation, CERTIFIED FINANCIAL PLANNER® certification, and other professional credentials. Nathan earned his bachelor's degree in finance from the California State University system. He is involved with the Helen Woodward Center, San Diego Humane Society, and Sigma Chi Alumni. Nathan lives in Cardiff-by-the-Sea with his family and enjoys camping, surfing, and the outdoors.

Raymond Dexter is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 license and bringing 41 years of industry experience. He has been with LPL Financial since 1990. Outside of advising, he is involved in a business partnership owning an office building shared with a non-client partner. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives using a range of customizable strategies.

Adam Arthur is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Cetera and has experience in various roles including education and entrepreneurial ventures. Outside of finance, he has participated in several businesses such as TalentLink dba RemoteLink Solutions and Blue Ocean Harumama. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, serving a wide range of clients through both direct and corporate financial planning agreements.

Jack Conway is a financial advisor at Charles Schwab in La Jolla, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he held roles outside the financial industry, including positions at Alex Madonna Gold Rush Steakhouse and Bobby Valentine's Sports Academy. Charles Schwab 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 offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.

Cynthia Penner is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She previously worked at UBS Financial Services from 2007 to 2019 and has been with RBC Capital Markets and City National Bank since 2019. RBC Wealth Management serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Ronald Hidayat is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches tennis for the City of Temecula Community Services. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Cody Rose is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and seven years of industry experience. He previously worked at UBS and Northern Kentucky University before joining Morgan Stanley in 2018. Outside of his advisory role, he serves as an assistant coach for the girls varsity volleyball team at Cathedral Catholic High School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Geoffrey Lemoine is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial and previously worked at Wells Fargo Clearing and Cetera Financial Specialists. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial activities.

Brian Field is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2012, also serving at Lifetime Financial Advisors, Inc. since 2014. In addition to his advisory role, he has business activities related to non-variable insurance with Policy Genius and North American Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, utilizing both proprietary and third-party strategies.

Stella Larsen is a Series 66 licensed financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously spent 12 years at Northern Trust Securities, Inc. and Northern Trust Bank. Larsen is also an officer of Villa Palma, LLC, an entity that operates residential apartment buildings in San Diego, and serves as a board member on the finance committee of the Hualalai Ohana Foundation, a nonprofit organization. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to develop model asset allocations and incorporates ESG considerations within a broader derivatives and commodities capability.

Nicolette Dal Porto is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience, including roles at Fremont Bank Investment Services and various positions connected to California Polytechnic State University, San Luis Obispo. Outside of her advisory work, she is a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Elizabeth Sanchez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2019 and has prior experience with Morgan Stanley, Morgan Stanley Private Bank, Merrill, Invest Financial Corporation, and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Claudio Robertson is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 66, Series 65, and Series 63 licenses and bringing 15 years of industry experience. He has held positions at firms including Upriver Capital Management and Private Investment Bank prior to joining J.P. Morgan Securities in 2021. He also has concurrent roles at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities uncommon among similar institutional programs.

Christopher Pegg is a CFP® with four years of industry experience, currently serving as an advisor at J.P. Morgan Securities in San Diego, CA. He has held roles within various J.P. Morgan entities since 2023 and previously worked at First Republic Investment Management, Brown Wealth Management, and Wells Fargo Private Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Avram is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions (SPS) Program to Bank of America fiduciary clients. The firm provides model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lawrence Andrews III is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and previously worked at City National Bank and RBC Capital Markets. Andrews currently serves clients from the La Jolla, CA office. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Robert Palatella is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously at Morgan Stanley Private Bank, National Association from 2015 to 2017. 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.