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 at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Goldman Sachs and Tonal Systems Inc. Outside of finance, he has been involved with Tonal, a fitness technology company, where he was granted stock options as part of his compensation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative and qualitative due diligence and may include ESG considerations.

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 65 and Series 63 licenses and six years of industry experience. His work history includes roles at Ameriprise since 2018 and positions at several other firms, including BuildOps and the Xenon Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and annual planning advice focused on income sources and tax-aware withdrawal strategies for clients near or in retirement.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes prior roles at Wells Fargo Bank, N.A., Bank of America/Merrill Lynch, and earlier tenure at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory work, he personally owns rental property, which is managed by a third party. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s approach involves non-discretionary, written asset allocation advice and manager searches supported by systematic quantitative and qualitative research, with a focus on customized reporting and a range of specialized regulatory registrations.

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 with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013, and previously worked at Edward Jones from 2010 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and offers customized performance reporting while clients retain final decision-making authority.

Steven Frigo is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding a Series 66 designation and two years of industry experience. He was previously with First Republic Bank for eight years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

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.

David Baldwin is a CFP® professional at LPL Financial with 20 years of industry experience. He has previously worked at Edward Jones, Waddell & Reed, Commonwealth Financial Network, and several other firms. Outside of advisory work, he is the author of the book "The Balancing Act, Rewriting your financial script" and provides tax preparation services through his firm Talents Financial Planning and Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a diverse range of financial planning and investment services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by research and technology tools.

Jacob Auger is a financial advisor at Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation with two years of industry experience. His background includes prior roles at LPL Financial and the Salt Lake Country Club, as well as extended experience in education at Westminster College and La Costa Canyon High School. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by diverse portfolio management styles and affiliated research.

Dekker Stebel is an advisor at LPL Financial based in Encinitas, CA, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to his current role, he worked at PURE Insurance for six years and attended Vassar College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of advisory and brokerage services. The firm supports its network of advisors with various portfolio and planning options, as well as advanced operational and research tools.

Kayla Hajeck is a Series 66-licensed financial advisor with J.P. Morgan Securities in San Diego, CA. She has one year of industry experience, including roles at JPMorgan Chase Bank and Goldman Sachs. Prior to joining J.P. Morgan Securities, she worked at Davidson Communities and attended Chapman University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

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.