Edward Hawley is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and 19 years of industry experience. His prior roles include positions at Homebridge Financial, Primeview Capital, and Salisbury Capital Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services through a large network of advisors, utilizing diverse strategies and advisor-facing tools.

Rachel Chryssostomides is a CFP® professional with 12 years of experience in the financial services industry. She is currently with LPL Financial and previously worked at Ameriprise and FSC Securities. She also has experience with The Root Cellar LLC. 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 portfolios, third-party asset management, and institutional platforms.

Avyn Strahlendorff is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients with college education planning, personal retirement planning, and women and wealth. Avyn emphasizes a relationship-based approach and provides thoughtful guidance tailored to each client's unique situation, values, and aspirations. Her professional designation includes Personal Investment Advisor (PIA). Avyn earned a Bachelor's Degree from San Diego State University. She believes that financial planning is about more than numbers; it involves understanding what matters most to people and using their resources to support the lives they want to live. Outside of her professional work, Avyn enjoys baseball, basketball, cooking, golfing, music, photography, pickleball, running marathons, softball, and spending time with her family.

Daniel Gunderson is the Vice President and Branch Leader at Fidelity Investments, where he leads a team focused on client-first strategies. He aims to simplify complex financial concepts and collaborates with clients to develop plans aligned with their goals. He has been with Fidelity Investments since 2009, progressing through various roles including Financial Representative, Investments Representative, Financial Consultant, Regional Planning Consultant, and now Branch Leader. His experience encompasses financial consulting and regional planning. Daniel holds a California Insurance License.

Miles Haug Jones is a financial advisor with Edward Jones in La Jolla, CA, holding a Series 66 registration and 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.

Scott Hagopian is a financial advisor at LPL Financial with 44 years of industry experience. He holds Series 63 and Series 65 designations. His prior career includes long-term roles at The Mutual Life Insurance Company of New York and Cambridge Investment Research, as well as involvement with Bloodstock Investments. 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, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Jamie Meronoff is a CFP® with 16 years of industry experience. He is currently with Wells Fargo Advisors in La Jolla, CA, having previously worked at Edward Jones for ten years and Wells Fargo Clearing for four years. Meronoff also owns and manages JAM WEALTH, LLC, a separate financial practice. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations using Wells Fargo’s research and planning tools, with clients choosing how to implement those recommendations through various brokerage or advisory programs.

David Martin is a financial advisor with LPL Financial based in San Diego, CA, holding two years of industry experience. He has a long career history that includes 20 years at The Argen Corporation and ongoing work with Quest Accounting & Financial Services, Inc. since 2018. 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 and institutional platforms, with a diverse set of investment options supported by operational and research tools.

Sven Meza is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He worked at Independent Financial Group, LLC for one year before joining LPL Financial in 2015. Outside of his advisory duties, he serves as a non-public FINRA arbitrator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, including third-party asset management and institutional platforms, with a focus on combining scale and breadth of services across advisory and non-advisory financial activities.

Steven Montgomery is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Charles Schwab since 2003 and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm operates on a large scale with integrated brokerage, advisory, custody, and cash management services.

Wade Steverson is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns a rental property in San Diego. 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 an IPS-driven process and modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options in its investment menus.

Andrew Duhovic is a Series 66-licensed financial advisor at LPL Financial with three years of industry experience. His prior roles include positions at Cetera Advisors, RemoteLink Solutions, and Pruco Securities LLC. He has also held various roles at the University of San Diego. 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 portfolios, third-party asset management, and institutional platforms, supported by research and operational tools.

Christopher Kosmo is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo in various roles from 2008 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jason Mubarak is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he is involved as a winemaker at a family-owned vineyard and winery. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, serving clients through both direct and corporate agreements.

Robert Demmler is a financial advisor at Merrill with Series 63 and Series 65 licenses and 51 years of industry experience. He has worked with Merrill and its predecessor firms since 1971 and has been associated with 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Seperack is a financial advisor at UBS Financial Services in San Diego, CA with 11 years of industry experience. He has been with UBS since 2014 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and offers research and lending programs as part of its platform.

Patricia Bennett is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Wells Fargo and JPMorgan Chase Bank. Outside of her advisory role, she is involved with M&A Pickle Performance LLC, operating under Kitchen Club LLC. J.P. Morgan Securities 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.

Dennis O Connell Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and generally delivers services on a non-discretionary basis.

Justin Steers is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Wells Fargo Clearing. Steers serves as a board member of the Exit Planning Institute, an educational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Alexander Brewer is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at RBC Capital Markets, The Vanguard Group, and RiverSource. Outside of advising, he is a partner in Malu Co LLC, a retail and online sales business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.