Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Matthew Mc Gruder is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. for a combined total of 31 years. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment onboarding process.

Chad Waters is a financial advisor at LPL Financial with 11 years of industry experience. He holds the CFP® and Series 66 designations. Waters previously worked at Edward Jones for eight years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Samuel Lathus is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 registrations and three years of industry experience. His work history includes roles at JPMorgan Securities LLC and JPMorgan Chase Bank, NA. 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 investment recommendations.

James Lindsay is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at SagePoint Financial and Guardian Life Insurance Company of America. Outside of advisory work, he manages an independent plane rental club and owns a custom T-shirt business. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutions, offering a range of integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Brad Sherman is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he served 22 years in the U.S. Marine Corps and has held roles in companies including Flower Drop, LLC and Compass Airlines, LLC. He also serves on the advisory board of a media production company, Kyro Digital. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional investment and trading activities.

Thomas Vieira is a financial advisor at OSAIC with 32 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 21 years before joining OSAIC in 2025. Vieira holds Series 63 and Series 65 credentials and serves as a co-trustee for his parents' revocable trusts. He is also involved in offering various insurance products and managing a 401(k) plan for his employees. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through an extensive network of advisors. The firm provides brokerage and advisory services with access to multiple investment platforms, utilizing asset-allocation tools and third-party manager solutions to construct tailored portfolios.

Bradford Benter is a financial advisor with UBS Financial Services in San Diego, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets and research-driven investment solutions.

Peter Moehrke is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he is the sole owner of MNM Thoroughbred, a business involved in breeding and racing horses. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Zachary Carson is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66 designation and previously worked at Pruco Securities LLC and The Prudential Insurance Company of America. Outside of finance, he provides in-home supportive services to a physically disabled family member. Ameriprise offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations.

Bruce Baker is a financial advisor with Stifel who holds a Series 63 designation and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Michael Puente is a financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, Puente is an artist. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Craig Kaiser is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory work, Kaiser owns rental property in Carlsbad, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes firm-approved planning tools and modeling techniques as part of its services.

Darcy Wolfe is a CFP® with 12 years of experience at Edward Jones in Carlsbad, CA. Prior to joining Edward Jones in 2014, he served 20 years in the U.S. Navy/Reserves. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory and investment services through a large national network of advisors and branch offices.

Steven Adkinson is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management, based in La Jolla, California. He advises ultra-affluent individuals, families, and foundations, providing personalized wealth management strategies that align with clients' long-term financial goals. Steven's approach includes creating flexible financial strategies that adapt to changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Steven joined Merrill in 2008 after serving as a Senior Vice President at Morgan Stanley from 2000 to 2008. His expertise includes corporate benefits, corporate executive services, employee benefits planning, managing new wealth, and personal retirement planning. He holds a Bachelor's Degree from the University of California at Santa Barbara and carries the Personal Investment Advisor (PIA) designation. Beyond his professional work, Steven is actively involved in his community, serving as a board member for the Free Wheelchair Mission and Operation Homefront. In his personal time, he enjoys golfing, practicing yoga, and spending time with his family.

Niels Mohler is a Senior Financial Advisor at Merrill Lynch Wealth Management and has been with the firm since 2007. In his role, he focuses on retirement planning, education strategies, liability management, and legacy planning. He leads a team of five dedicated teammates, providing expertise in areas such as college education planning, divorce transition planning, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Before joining Merrill Lynch, Niels accumulated 18 years of experience as a Management Executive in Operations Management, serving several Fortune 500 companies. He holds a Bachelor's of Business Administration from James Madison University and a Master's of Business Administration from San Diego State University. He also holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Niels is involved with the Boys & Girls Club and resides in Encinitas with his wife and three daughters. Outside of work, he enjoys basketball, football, golfing, music, spending time with family, and traveling.

Sarah Wallace is a Series 66-licensed financial advisor at Merrill with seven years of industry experience. She has worked at Merrill and Bank of America since 2017 and 2018, respectively. Outside of her advisory role, she serves as a trustee and successor trustee for family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering a range of asset allocation and tax-aware investment options.

Kathryn Bannister is a Series 63 licensed financial advisor with Morgan Stanley in Carlsbad, California, and has 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Afick Sharar is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been affiliated with Morgan Stanley entities since 2008. Sharar operates out of Carlsbad, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialty activities such as private funds and principal trading.