Matthew Cawley is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at J.P. Morgan since 2022 and previously held roles at Wells Fargo from 2017 to 2022. Outside of finance, he was involved with SAWS MHS Coffee Company LLC and Main Street Coffee Company, a Dunkin’ Donuts franchise, during 2015 to 2016. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized performance reporting. The firm is a subsidiary of J.P. Morgan and combines institutional advisory with brokerage and investment management capabilities.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and retirement plan consulting, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

Douglas Cole is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2020. He operates Cole Financial Inc., a business related to his LPL advisory work. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of representatives, offering a range of advisory and brokerage services.

Gary Glockzin is a CFP® with 40 years of industry experience, currently serving as a financial advisor at LPL Financial since 2024. Prior to joining LPL, he spent 25 years at Crown Capital Securities, L.P. He is also a licensed real estate agent with involvement in related business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and brokerage services, with discretionary and non-discretionary management supported by research and model portfolios.

Benjamin Kingsley is a Certified Financial Planner (CFP®) with 11 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent four years at Mercer Global Advisors Inc. Kingsley serves on the board of directors for The Anza Borrego Foundation, which supports land conservation, education, and research for Anza Borrego State Park. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management according to clients’ goals and risk tolerances.

Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.

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 at Wells Fargo Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Aegis Capital Corp, LPL Financial, and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds, using proprietary research and tools to develop customized recommendations.

Sarah Montoya is a financial advisor at Morgan Stanley with 14 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Outside her advisory role, she serves as a board member for the University of California, San Diego, and is involved with M.M. Bodega, LLC, a retail and art-related business. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and includes services such as estate planning and corporate financial planning agreements.

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 with three years of industry experience. She holds a Series 66 designation and has worked in various roles including at J.P. Morgan and JPMorgan Chase Bank. Outside of her advisory role, she is a shareholder and development partner in California Fresh Almonds, an almond production company. 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 services on a non-discretionary basis while maintaining a centralized due-diligence framework.

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. His prior work includes roles at Primerica Advisors, Primerica Financial Services, and QualiCare. Garrett is also involved in non-investment related work with QualiCare. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting, supported by research and model portfolios, along with a range of non-advisory financial products.

Steven Freeman is a financial advisor with Fidelity in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at various divisions of Fidelity Investments since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary management as well as fund advisory and model portfolios.

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.