Matthew Hansen is a CFP®-certified financial advisor with 20 years of industry experience. He is currently with Morgan Stanley in Poway, CA, having previously worked at UBS Financial Services, Lucia Capital Group, and Raymond J. Lucia Companies. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide range of advisory programs. The firm utilizes structured planning tools and investment research to support tailored financial strategies.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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 for individuals, high-net-worth clients, and institutional entities.

Tiffany Roussis is a financial advisor with J.P. Morgan Securities in San Diego, CA. She holds the Series 66 designation and has six years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers non-discretionary services through a select group of Wealth Advisors.

Ashley Hines is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Prior to joining Fidelity Investments, Ashley worked at OneMain Financial as a Branch Manager Trainee from 2016 to 2019, and at TMX Finance as a Store Manager from 2012 to 2016. Ashley holds a California Insurance License, which supports her professional work in financial consulting. Her approach involves understanding the priorities of her clients and their families to develop personalized financial strategies. Outside of her professional duties, Ashley's personal interests include spending time at the beach, cooking and baking, hiking, reading, traveling, and volunteering.

Vincent Alessi is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with 16 years of industry experience, all at Edward Jones since 2010. Outside of his advisory role, he is involved in professional surfing, participating in occasional photo shoots and managing related communications. Edward Jones is a full-service wealth management firm serving over four million clients with a wide range of investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices.

Christopher Pennington is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is registered as an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner and decision-maker in real estate investments through PMR Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services through a large network of financial advisors.

Kevin Bowcock is a CFP® professional with 13 years of industry experience, currently with Stifel since 2019. His prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. He serves as a board member of the Escondido East Rotary. Stifel provides brokerage and investment advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, supporting client decisions across a variety of financial areas.

Marissa Akkineni is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. Her career includes roles at JP Morgan Chase Securities LLC and JP Morgan Chase Bank, NA, as well as experience with Limoncello LLC and Sorrento Ristorante & Pizzeria. 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 an ESG eligibility framework to guide its recommendations.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Guidepoint for four years and has experience in transportation studies and education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and six years at LPL following eight years at Lucia Securities. She has a total of 14 years of industry experience. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, portfolio management, and institutional platforms.

Brandon Cass is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and previously worked at SagePoint Financial for eight years. He is also the founder and president of Intrepid Wealth Management, where he manages his client base and recruits financial advisors. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and multiple third-party resources to construct diversified portfolios.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Steven Navarra is a Financial Advisor with Merrill Lynch Wealth Management in Palo Alto. He has been with The Zanolli Staubli Group since 2019, where he started as an associate and progressed to his current role leading client relationships and strategic planning efforts. Steven specializes in goals-based wealth management, asset allocation, retirement planning, concentrated stock strategies, and alternative investments. He holds the CERTIFIED FINANCIAL PLANNER® designation and is a Chartered Retirement Planning Counselor™ designee. Steven collaborates closely with clients' CPAs and attorneys to develop coordinated financial strategies tailored to each client's goals and circumstances. He earned a Bachelor's degree in Economics and Accounting from the University of California, Santa Barbara, and studied business at Bocconi University in Milan. Steven lives in San Francisco with his fiancée, Caroline. They enjoy traveling, spending time at the beach, and being with family.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. She joined the firm in 2006 and is a senior partner with the VCMPT Group, a 16-member financial services team. This group serves a select clientele of families, corporate executives, and entrepreneurs by providing asset management and financial guidance. The team collaborates with Bank of America to offer clients integrated personal and commercial banking, lending solutions, and customized wealth planning, enabling comprehensive support through a single point of contact. Jennifer began her advising career in 1996. She earned a Bachelor of Science degree in Biology from Bob Jones University (BJU) and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She has also completed executive education programs at Wharton, Yale School of Management, and Chicago Booth School of Business. Jennifer focuses on areas such as legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer's personal interests include exercising, gardening, cooking, and travel. She is involved in philanthropy through the team's donor-advised fund and her own. Jennifer previously served on the board of the Rancho Santa Fe Garden Club and currently participates in Bank of America's Community Volunteer Network and the LEAD for Women Board. She also volunteers with her son's schools.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. 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 and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Jacob Kohut is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at U.S. Bancorp Investments, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of his advisory role, he owns and operates a t-shirt company, designing and selling apparel at farmers markets and wholesale. 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 grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options within its investment menus, serving a broad range of institutional clients.

Hunter Trusty is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His prior roles include positions at Charles Schwab and APES Trading. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Serena Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.