Stephen Whitman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services including estate planning and investment strategies.

Eduardo Villagrana is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at various J.P. Morgan entities since 2016 and was previously employed by Uber. 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 non-discretionary program. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Irene Gomez Ramirez is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. 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 representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Radia Hunter is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Ameriprise since 2013. She holds Series 63 and Series 66 licenses and is based in Carlsbad, CA. Hunter serves as Community Service Chair on the Board of Directors for Encinitas Rotary. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Kristi Brooks is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, transitioning to Fidelity Investments in 2025. Prior to her career in finance, she spent five years at Bonotel Exclusive Travel. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research and quantitative analysis to create model portfolios using mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and AI in investment research.

E Miller is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his financial advisory role, Miller is active as a musician, performing with various ensembles and church orchestras, and provides private music lessons. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes discretionary and non-discretionary services tailored to plan objectives, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

William Wild is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 credential and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2021, following prior roles at Wells Fargo Clearing Services LLC, DaVinci Financial & Insurance Associates, and Medco Healthcare Services. 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 a mix of non-discretionary and discretionary investment guidance via multi-asset model portfolios and alternative investment options, supported by a large integrated platform serving hundreds of thousands of clients.

Donald Lincoln is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including ten years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving plan sponsors with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Richard Nolan is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and provides tax preparation services through his ownership of SD Tax Associates, in addition to serving as HOA Board Treasurer. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and platforms, supporting both discretionary and non-discretionary accounts.

David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.

William Smith is a CFP® with 45 years of experience in financial services, currently affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He is an author of investment-related publications and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as Treasurer of the Rotary Club of Escondido. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research.

Brian Mancuso is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in San Diego, CA. He has been with Charles Schwab Bank SSb and Charles Schwab & Co, Inc. since 2006. 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 investment guidance and access to affiliated discretionary separately managed accounts, supported by a large client base and an integrated operational structure.

Rebecca Belloso is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 66 designation and has worked previously at Merrill and JPMorgan Chase Bank, N.A., among other roles. Prior to joining J.P. Morgan Securities, she spent time with San Diego Dining Group and La Mesa Farmers Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kent Thompson is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise in San Diego, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and president of Stillwater Vista LLC and serves on the investment committee of the San Diego Rescue Mission. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized retirement income plans, primarily for clients with assets managed within Ameriprise accounts.

Shily Sasinouan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and six years of industry experience. She has been with Wells Fargo Clearing since 2010. 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 based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His prior roles include positions at Goldman Sachs and Tonal Systems Inc., a fitness technology startup where he was granted stock options as part of his compensation. 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 applying an ESG eligibility framework in its recommendations.

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.