James Froman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at LPL Financial since 2007 and previously held roles at Use Credit Union, SeCU Brokerage Services, Citicorp Investment Services, and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Jacob Auger is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. His prior roles include positions at LPL Financial and Salt Lake Country Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and government entities—and provides tailored financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Dekker Stebel is an advisor with LPL Financial, holding Series 63 and Series 65 credentials. He has been in the industry since 2025, previously working at PURE Insurance and spending four years at Vassar College. He also operates Stebel Financial Group, a business affiliated with his LPL practice. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kayla Hajeck is a financial advisor with J.P. Morgan Securities in San Diego, CA. She holds a Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Kayla worked at Davidson Communities and Goldman Sachs & Co. She attended Chapman University from 2023 to 2026. 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. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ashley Meachum is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Wells Fargo Clearing in 2024, she worked at Morgan Stanley from 2007 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Colin Goodrich is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Colin completed his education at Pepperdine University, earning both a Bachelor's Degree and a Master of Business Administration (MBA). His academic background supports his role in providing financial advisory services. Details about his specific experience, expertise areas, or personal interests were not provided.

Jacob Margozewitz is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His work history includes roles at Grand Canyon University and Point Loma Nazarene University, as well as experience in orthodontics and education before joining the financial industry. 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, supported by extensive research and technology tools.

Andrew Wortman is a financial advisor at OSAIC based in Carlsbad, CA, holding Series 63 and Series 65 licenses. He has no prior experience specifically in financial advisory roles, having worked in positions at Peraton, Abzena, Radiometer (a Danaher Company), and Collins Aerospace (a RTX company) between 2016 and 2026. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, employing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Todd Stucker is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at 24 Hour Fitness from 2011 to 2018. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering 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 network of financial advisors and branch offices nationwide.

William Bauerle is a financial advisor with Edward Jones in Poway, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Edward Jones in 2017, he served in the United States Navy for 20 years. 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 supports clients through a large network of financial advisors and branch offices nationwide.

Steven Tran is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA. He holds a Series 66 designation and has three years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Pacific Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured discovery processes and firm-approved planning tools to develop its financial plans.

James Lindsay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 45 years of industry experience. His prior work includes roles at Summit Financial Group Inc and Summit Brokerage Services before joining Cetera Wealth Services, LLC in 2019. He has been with Cetera since 2023. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and third-party managers.

Janean Stripe is a CFP® professional with 37 years of industry experience, currently advising at LPL Financial since 2020. Her prior roles include positions at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. She is also involved as an insurance agent with Westland Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, providing a range of discretionary and non-discretionary investment strategies supported by technology and extensive non-advisory financial services.

Zachary French is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 license and four years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory role, he owns Torq Holdings LLC, an e-commerce consumer goods business, which he is currently in the process of selling. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Lori Lenhof is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to support asset allocation and financial planning.

Jonathan Heitner is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Raymond James & Associates since 2018, following prior roles at Wells Fargo Advisors and Cottage & Castles. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Maria Gallardo Gower is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. She has worked at Charles Schwab and Co., Inc. since 2022 and previously spent 11 years at TDAmeritrade Inc. in advisory roles. 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 combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and a centralized operational structure.

Robert Kuech is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2008. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary, forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Bryan Stebel is a financial advisor with LPL Financial, holding CFP® and Series 63 credentials and bringing 31 years of industry experience. He previously worked at Cambridge Investment Research for 16 years and Fidelity for 10 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 financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by technology tools for operational and research purposes.

James Carpentier Levy is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked extensively with Morgan Stanley affiliates from 2009 to 2024 before joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions guided by an IPS-driven process rooted in modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options in its investment menus, broadening the range of financial products available to clients.