Allison White is a Series 66-credentialed financial advisor with five years of industry experience. She currently works at Morgan Stanley in Carlsbad, CA, joining the firm in 2022 after prior roles at Equitable Advisors, Colliers International, and other firms. Outside of her advisory work, she is a fitness instructor at Studio Barre. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery and modeling tools to create plans, with clients responsible for implementation and updates.

Jaclyn Smith is a financial advisor at Wells Fargo Advisors with four years of industry experience. She holds the Series 66 designation and has a background that includes positions at Wells Fargo Clearing Services, Wells Fargo Bank, and law firms Procopio, Cory, Hargreaves & Savitch LLP and Hopkins & Carley. Smith also maintains a California law license and a real estate license, primarily for continuing education purposes. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning, including specialized services for business-owner transition, sports and entertainment, special needs, and divorce planning, using proprietary research and tools to develop tailored recommendations.

Jake Volo is a financial advisor with LPL Financial holding a Series 66 designation and one year of industry experience. Prior to his current role, he was involved with the International Bipolar Foundation for two years. He has also worked in various non-financial roles, including positions at San Diego State University and Mavericks Beach Club. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers diverse investment solutions including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Matthew Leonard is a CFP® professional with 18 years of industry experience. He has been with Edward Jones since 2007, working in their Carlsbad, CA office. 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 under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Poponyak is a financial advisor with Stifel in Carlsbad, CA, holding a Series 63 designation and bringing 45 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Austin Fitzgerald is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses with five years of industry experience. His prior roles include positions at Ziply Fiber, Legend Rock Financial, and Cantor Fitzgerald Investment Advisors. LPL Financial is a national broker-dealer and SEC-registered investment advisor serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of financial planning and investment management services, utilizing a broad network of advisers and multiple investment strategies.

Fredric Bayles III is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. He serves as a trustee of a family trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and models.

Khushbu Harjani is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates systematic due diligence and may include ESG considerations, with implementation supported by affiliated investment-management entities.

Karin Huber is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and RBC Capital Markets. Huber is based in La Jolla, CA. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Shahryar Kashanchi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and bringing 41 years of industry experience. He has been with Equitable Advisors since 2009, following prior roles at Axa Advisors, LLC and MSI Financial Services, Inc. Outside of his advisory work, he is involved in a separate fixed business activity. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs delivered through a network of representatives and third-party managers.

Richard Olson is a CFP®-certified financial advisor with 17 years of industry experience, currently practicing at LPL Financial in San Diego, CA. He previously worked at Integrity Alliance, LLC, H. Beck, Inc., and Next Financial Group, Inc. Olson is also involved as an independent insurance agent, focusing on fixed insurance products. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Alexander Boswell is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, leveraging proprietary capital market assumptions and research to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and offers a broad range of financial products and services.

Lance Silva is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise. His prior experience includes roles at LPL Enterprise, DICKERSON, Ca Health Benefit Exchange, and Prudential Insurance Company of America. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Damon Couch is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. His career includes positions at Merrill, U.S. Bancorp Investments, and Banc of America Investment Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies and integrates both in-house and third-party managers to meet clients’ needs.

Aaron Bojorquez is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, he worked in real estate and the hospitality industry, including a role as a real estate broker. Outside of advisory services, he is involved in mortgage and real estate services. 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 a range of financial planning and investment management solutions, combining advisory services with extensive non-advisory financial activities.

Eric Weiss is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Fidelity Investments and Charles Schwab. Morgan Stanley Wealth Management serves individuals and institutional clients with a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and models to assist in developing investment strategies.

Andrew Hernandez is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses with two years of industry experience. His prior roles include positions at TD Ameritrade and Aimloan, and he completed four years of full-time education before entering the financial sector. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from its financial research center.

Michael Such is a Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in June 2011. He focuses on delivering financial strategies, research, and portfolio reviews tailored to individual clients’ goals. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Michael earned a Bachelor of Science degree in Ocean Engineering from the United States Naval Academy and served nine years as a Surface Warfare Officer in the US Navy. After his military service, he spent six years in the defense industry, including consulting to the Navy at Booz Allen Hamilton and business and product development at Ocean Systems Engineering Corp/QinetiQ North America. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Carlsbad, California, Michael lives with his wife Shawna and their three children. He enjoys outdoor activities such as surfing, skiing, camping in the Sierra Nevada mountains, cooking, fishing, gardening, hunting, and scuba diving.

Linda James is a financial advisor at LPL Financial based in San Diego, CA, with 26 years of industry experience. Her prior roles include positions at John Aust Real Estate Company, U.S. Bancorp Advisors, Northwestern Mutual Investment Management, and Fidelity. Outside of her advisory work, she is involved in real estate services through Real Broker LLC, assisting clients with buying and selling residential properties. 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 a wide range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Alec Nasto is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill, UBS Financial Services, and Lincoln Financial Advisors prior to joining Raymond James. 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 public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.