Bradley Cooperman is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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 adviser registrations, delivering its services on a non-discretionary basis.

Patrick Meskell is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is an investor and shareholder in Bainbridge HNC, a health maintenance center. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional accounts. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

John Taylor is a CFP® with 27 years of industry experience, currently serving at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America, N.A. for the past 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth investors, and institutions, utilizing model-based and discretionary strategies developed by internal and third-party managers.

Athena Constant is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in managing a business entity, Tyto Alba LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies, supported by a centralized team and proprietary research tools.

Jonathan Savona is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with LPL Financial since 2020 and previously worked at Lucia Securities, LLC, Lucia Capital Group, and Raymond J. Lucia Companies, Inc. In addition to his advisory work, he is involved as a non-variable insurance agent with Westland Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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, and institutional platforms, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.

Andrew Hathaway is a financial advisor with Ameriprise in Oceanside, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Hathaway serves as Treasurer and a member of the Board of Directors for the UM Club of San Diego. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Anita Boghoussian is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at GoSecure, EdgeWave, and Dassault Systemes. Outside of her advisory role, she is a co-owner of rental properties and raw land in the San Diego area. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Kelly Morris is a financial advisor with LPL Financial, holding a Series 66 designation and over 24 years of industry experience. He previously worked with Independent Financial Group LLC for 11 years and has had two tenures at LPL Financial totaling more than 14 years. Outside of his advisory role, Morris is involved with Family Legacy Group, a non-investment related business in Carlsbad, CA. 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 portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

Stephen Whitman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services including estate planning and investment strategies.

Eduardo Villagrana is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at various J.P. Morgan entities since 2016 and was previously employed by Uber. 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 non-discretionary program. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Irene Gomez Ramirez is a financial advisor at LPL Financial with 16 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining LPL Financial in 2025, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a variety of investment strategies.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Radia Hunter is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Ameriprise since 2013. She holds Series 63 and Series 66 licenses and is based in Carlsbad, CA. Hunter serves as Community Service Chair on the Board of Directors for Encinitas Rotary. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Apple is a financial advisor at Merrill in San Diego, CA, with 16 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, Allstate Financial Advisors, and Waddell & Reed. Merrill 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.

Kristi Brooks is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, transitioning to Fidelity Investments in 2025. Prior to her career in finance, she spent five years at Bonotel Exclusive Travel. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research and quantitative analysis to create model portfolios using mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and AI in investment research.

E Miller is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his financial advisory role, Miller is active as a musician, performing with various ensembles and church orchestras, and provides private music lessons. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes discretionary and non-discretionary services tailored to plan objectives, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

William Wild is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 credential and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2021, following prior roles at Wells Fargo Clearing Services LLC, DaVinci Financial & Insurance Associates, and Medco Healthcare Services. 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 offers a mix of non-discretionary and discretionary investment guidance via multi-asset model portfolios and alternative investment options, supported by a large integrated platform serving hundreds of thousands of clients.

Donald Lincoln is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including ten years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving plan sponsors with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Richard Nolan is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and provides tax preparation services through his ownership of SD Tax Associates, in addition to serving as HOA Board Treasurer. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and platforms, supporting both discretionary and non-discretionary accounts.