Melyssa Lloyd Parmenter is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2022. In this capacity, she collaborates with clients, their Wealth Management Advisors, and other team members to develop and implement comprehensive financial planning strategies aimed at helping families achieve their financial objectives. Her tenure at Fidelity Investments includes positions as a Planning Consultant from 2020 to 2022, Senior Relationship Manager from 2017 to 2020, and Relationship Manager from 2016 to 2017. This progression reflects her experience in wealth management and client relationship roles within the firm. Melyssa holds a California Insurance License.

Marcus Shaw is a financial advisor with Thrivent Investment Management in Del Mar, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Thrivent in 2019, he spent 25 years at Allergan Pharmaceuticals. Outside of his advisory role, Shaw is a partner in a high-end car recreation business and serves on the board of the Mitchell Thorp Foundation, a nonprofit supporting families of children with rare diseases. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. Their approach focuses on holistic, goal-based analyses and a broad range of planning topics without discretionary trading authority, allowing clients to integrate planning with managed accounts under a consolidated billing option.

Richard Chase is a financial advisor with J.P. Morgan Securities in Del Mar, CA. He holds Series 63 and Series 65 licenses and has 12 years of industry experience, including 14 years at Wells Fargo Bank NA before joining J.P. Morgan in 2025. 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 an ESG eligibility framework to inform its recommendations.

Joshua Thompson is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and three years of industry experience. He has been with Ameriprise and Wisdom Wealth Management since 2021. Joshua was previously a full-time student at Chapman University and worked at Santa Fe Christian School. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies through a centralized consulting team and offering a broad range of advisory, brokerage, and insurance solutions.

Jaime Morgan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. Morgan has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 services. The firm’s approach 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.

Matthew Poznicek is a CFP® with 15 years of industry experience, currently serving at Wells Fargo Clearing since 2021. His prior roles include positions at Northwestern Mutual Investment Management and Cetera Advisors LLC. 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 employs an IPS-driven advisory process based on modern portfolio theory and includes a broader set of financial product offerings than many institutional advisers.

Brian Coffin is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Carla Campbell is a CFP® professional at Cetera with 27 years of industry experience. She has held various roles including at Avantax entities for over two decades and currently serves as Chief Operations Officer of Clarion Wealth Management and President of Clarion Tax & Wealth Strategies. Outside of advising, she acts as trustee for a family trust and co-executor of a relative’s estate. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through an extensive nationwide network of independent advisors.

Dominic Myers is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Capital Inc and Independent Financial Group. Myers is also an educational speaker for the Foundation for Personal Financial Education, providing financial education to the general public. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial relationships.

Michael Larkin is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He has worked at Merrill since 2018 and has held prior positions at the University of Redlands, Keystone Property Management, and Palomar College. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joanne Wong is a financial advisor with Merrill based in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Merrill since 2003 and has been with Bank of America, N.A. since 2011. 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.

Gary Endres is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. Inc. since 2009. Outside of his advisory role, he is a 20% owner of Montrose LLP, which owns real estate property in Costa Rica. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support its investment analysis and allocation guidance.

Ara Freedman is a financial advisor with LPL Financial who holds a Series 66 credential and has 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Dushyanth Reddy is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. He has worked at Lincoln Capital, Inc. since 2007 and was previously with Independent Financial Group before joining Cetera. He volunteers with the Foundation for Personal Financial Education, providing one-on-one financial counseling. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Raseca Eustaquio is a financial advisor with UBS Financial Services in Los Angeles, holding a Series 66 designation and four years of industry experience. She has been with UBS Financial Services since 2020, following a 20-year tenure at Bank of America. UBS Financial Services Inc. 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 services and utilizes proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Bradley Cooperman is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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 its services on a non-discretionary basis.

John Taylor is a CFP® with 27 years of industry experience, currently serving at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America, N.A. for the past 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth investors, and institutions, utilizing model-based and discretionary strategies developed by internal and third-party managers.

Athena Constant is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in managing a business entity, Tyto Alba LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies, supported by a centralized team and proprietary research tools.

Jonathan Savona is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Lucia Securities, LLC and Lucia Capital Group for nearly a decade before joining LPL Financial in 2020. Outside of his advisory role, he is involved with Westland Financial as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Sandra Cohn is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She previously worked at Independent Financial Group and Intuit, and she operates Cohn Tax Company, Inc., a tax preparation and accounting business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations with a range of advisory programs, financial planning, and brokerage services. The firm offers both discretionary and non-discretionary management and utilizes model portfolios and research from multiple sources.