David Menashe is a financial advisor with Merrill in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America since 2009. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chad Brown is a financial advisor with Wells Fargo Advisors in Cardiff, CA, holding Series 63, Series 65, and Series 66 designations and 18 years of industry experience. His prior roles include positions at Aegis Capital Corp, LPL Financial, Wells Fargo Clearing, and UBS Financial Services. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, utilizing comprehensive planning tools and research to develop tailored recommendations. The firm’s services include a broad range of planning options and integrate advisory services with other financial products and referral channels.

Sarah Montoya is a Series 66-licensed advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015, and previously worked at Merrill from 2011 to 2013. Montoya serves as a board member for the University of California, San Diego, and is a member of M.M. Bodega, LLC, a retail and art-related business in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and approved planning tools, offering a range of investment and planning services without providing individual security recommendations as part of standalone financial plans.

Mandar Bhave is an Investment Management Consultant II at Fidelity Investments. In this role, he collaborates with clients to understand their individual financial situations and develop personalized financial plans that align with their specific goals. He focuses on educating clients about Fidelity's resources to help them make informed financial decisions tailored to their plans. Mandar has held several positions within the financial services industry, including Investment Consultant and Investment Solutions Representative at Fidelity Investments since 2021. Prior to that, he worked as a Financial Solutions Advisor at Merrill Edge from 2018 to 2021 and as a Workplace Investor Associate at T Rowe Price from 2016 to 2018. He holds a California Insurance License.

Joseph Macdougall is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cavanaugh Financial, Cal Ice Ventures, LLC, and Cavanaugh Financial Group. Outside of his advisory work, he is a partner in JWM Holdings, Inc., where he breeds and races horses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad range of clients through its extensive advisor network and specialized programs.

Megan Schenck is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Flynn Financial Group, CBRE, and other firms. She is involved with Flynn Financial Group LLC in a non-investment advisory capacity. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Kirsty Miller Hopkins is a financial advisor at J.P. Morgan Securities in San Diego, CA, with four years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan and JPMorgan Chase Bank since 2019. Outside of finance, she is a shareholder and development partner in California Fresh Almonds, an almond production company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Christopher Fenimore is a Series 66 licensed financial advisor with 17 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics, with options to combine planning and managed account services under a consolidated billing arrangement called “WealthPlan.”

Pablo Contreras is a Financial Consultant at Fidelity Investments, a role he has held since 2019. In this capacity, he works closely with select individuals and families to provide clarity on their overall financial situation. He follows Fidelity's 5 pillars of wealth to guide clients toward a disciplined approach in meeting their financial objectives. Before becoming a Financial Consultant, Pablo held several positions within Fidelity Investments, including Investment Consultant in 2019, Relationship Manager from 2018 to 2019, and Financial Representative from 2017 to 2018. Prior to joining Fidelity, he worked as a Financial Services Professional at New York Life from 2015 to 2017. Pablo holds a California Insurance License. Outside of his professional work, Pablo has interests in cars, music, and outdoor adventures.

Jon Schmauss is a financial advisor at Morgan Stanley with 58 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.

Garrett Ringlever is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining LPL Financial, he held positions at Primerica Advisors, Primerica Financial Services, and QualiCare. Outside of his advisory role, he maintains employment with QualiCare. 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 management services through a large network of advisors and utilizes various strategic and tactical portfolio approaches.

Steven Freeman is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2007 in various roles. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad investable universe, with oversight of sub-advisers and conflict-of-interest controls.

James Llovera is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 credential and has been affiliated with both Merrill and Bank of America since 2011. Outside of his advisory work, he owns and manages rental properties in California. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Matthew Mc Gruder is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. for a combined total of 31 years. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment onboarding process.

Chad Waters is a CFP® professional with 11 years of industry experience, currently advising clients at LPL Financial since 2023. He previously worked at Edward Jones for eight years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an advisory approach that includes discretionary and non-discretionary strategies supported by research and technology tools.

Samuel Lathus is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His work history includes roles at J.P. Morgan Securities since 2022 and JPMorgan Chase Bank, N.A. since 2021. 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 within a non-discretionary program. The firm combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG considerations and utilizing broader derivatives and commodities capabilities.

James Lindsay is a financial advisor at Osaic Wealth with 14 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Osaic in 2023, he worked at SagePoint Financial for ten years and has been associated with Guardian Life Insurance Company for over a decade. Outside of his advisory role, Lindsay owns and manages an independent plane club and operates a custom T-shirt business. Osaic Wealth serves a varied client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with both brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by multiple investment strategies and custodial arrangements.