David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.

Kent Borsch is a financial advisor with Edward Jones in Bonsall, CA, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Edward Jones since 1999 and has over four decades in the financial services sector, including a long tenure with Provident Mutual Life/Securities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and supports its clients through a nationwide network of more than 23,000 financial advisors.

William Smith is a CFP® with 45 years of experience in financial services, currently affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He is an author of investment-related publications and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as Treasurer of the Rotary Club of Escondido. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research.

Brian Mancuso is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in San Diego, CA. He has been with Charles Schwab Bank SSb and Charles Schwab & Co, Inc. since 2006. 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 both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by a large client base and an integrated operational structure.

Rebecca Belloso is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 66 designation and has worked previously at Merrill and JPMorgan Chase Bank, N.A., among other roles. Prior to joining J.P. Morgan Securities, she spent time with San Diego Dining Group and La Mesa Farmers Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Zachary Rogers is a financial advisor with Merrill, holding a Series 66 designation and currently based in Carlsbad, CA. His experience includes roles at Bank of America, OneAmerica, and GoldBook Financial (MassMutual), as well as prior positions outside finance with the Ultimate Fighting Championship and UFC Fit. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, with portfolio options designed and implemented by internal and third-party managers.

Kent Thompson is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise in San Diego, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and president of Stillwater Vista LLC and serves on the investment committee of the San Diego Rescue Mission. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized retirement income plans, primarily for clients with assets managed within Ameriprise accounts.

Shily Sasinouan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing seven years of industry experience. She has been with Wells Fargo Clearing since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Brett Atkinson is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2020. Prior to this, he worked for Ameriprise Financial Services, Inc. for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Farhad Firoozi is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial and Ameriprise Financial Services. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cole Heimerdinger is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to joining Edward Jones, he worked at the UC Santa Barbara Library for three years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

Brent Breslau is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His prior roles include positions at Goldman Sachs and Tonal Systems Inc., a fitness technology startup where he was granted stock options as part of his compensation. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Danielle Ferrer is a financial advisor with Raymond James & Associates in San Diego, CA. She holds a Series 66 designation and has 12 years of industry experience, including 11 years with 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, institutional and pension plans, charities, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Andrew Goyhenetche is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and six years of industry experience. His work history includes roles at Ameriprise, BuildOps, Xenon Group, United Planners Financial Services, and Saleshood. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sean McSweeny is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1992 as a Financial Advisor in Torrance, California, and has been serving as the Senior Resident Director of the Carlsbad office since January 2010. He is part of a team comprising four Financial Advisors and one Wealth Management Client Associate, focusing primarily on investment management. With over 30 years of experience in wealth management, Sean's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and tax minimization. His approach centers on collaborating with clients to align their wealth management with seven key life priorities: family, finances, health, home, leisure, work, and giving. Throughout his career, he has developed long-lasting client relationships through customized advice and a disciplined investment approach. Sean holds a Master's degree from the California State University System and a Bachelor's degree in Finance from Loyola Marymount University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Sean resides in San Diego with his wife and three children and enjoys baseball, football, golfing, soccer, and spending time with his family.

Blake Baxter Jr. is a financial advisor with LPL Financial based in Encinitas, CA, holding a Series 66 designation and seven years of industry experience. He is also involved in Baxter Law Corp, a law practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party strategies.

Christopher Kielar is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Wells Fargo Bank, N.A. and Bank of America/Merrill Lynch. Kielar holds Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Samer Bordcosh is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Bank of America and Merrill since 2012. 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, and various organizations.

Patrick Vento is a financial advisor at J.P. Morgan Securities with a Series 66 designation and 16 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013, following a two-year tenure at Edward Jones. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Steven Frigo is a Series 66-credentialed advisor with J.P. Morgan Securities in Del Mar, CA, possessing two years of industry experience. He has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023 and previously spent eight years at First Republic Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm offers asset-allocation advice, investment manager searches, and customized performance reporting, combining quantitative modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.