Juleane Spittler is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services Inc. Outside of her advisory role, she is involved in family agricultural ventures through membership in farmland rental LLCs. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include diverse financial products such as group annuity contracts and bank deposit sweep options.

William Bishoff is a CFP® and ChFC® with 30 years of experience in the financial services industry. He is currently with OSAIC, having joined in 2025, and previously worked at Cambridge Investment Research Advisors and LPL Financial among others. Bishoff is also the owner of Bishoff Tax Advisors and serves as President and CEO of Bishoff Financial Group, where he manages advisors and develops business strategies. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory programs supported by a model-based investment process and features extensive affiliated broker-dealer and RIA relationships.

David Massey is a Senior Resident Director specializing in short-term liquidity strategies for corporations and institutions. He currently serves in Merrill’s Rancho Santa Fe office, where he focuses on corporate executive services, institutional investment consulting, and liquidity management. David has 15 years of experience in the financial services industry. He began his career as a Client Associate at Merrill Lynch Wealth Management in La Jolla. He then spent eight years as a partner in UBS’s Corporate and Institutional Services Group before forming his own Corporate Cash Management team at Smith Barney. During his tenure as a Corporate Client Group Director at Smith Barney, he was recognized on On Wall Street’s “Top 40 Advisors Under 40” list, ranking 17th in 2009 and 8th in 2010. David joined Merrill’s Carlsbad office as a Senior Vice President in 2011 and was promoted to Resident Director in 2013. David holds a bachelor’s degree from Wheaton College, where he also played football. He resides in Rancho Santa Fe, California, with his wife Denise and their two sons. Outside of work, he enjoys camping, weight lifting, coaching his son’s flag football team, and spending time with his family.

Elizabeth Mc Quade is a financial advisor at Cetera with eight years of industry experience. She holds the Series 66 designation and has previously worked at firms including Ameriprise, Wells Fargo, Morgan Stanley, and Merrill. Mc Quade is based in San Diego, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary portfolio structures.

John Jacobson is a financial advisor with Osaic, holding the ChFC® designation and Series 63 and 66 licenses, and has 36 years of industry experience. His prior work includes positions at Sagepoint Financial, Wealth Preservation Group, LPL Financial, Merrill, and U.S. Bancorp Advisors. Outside of his advisory role, he operates a sole proprietorship as a life insurance agent. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by various advanced tools and strategies, and is notable for its scale and complex affiliate network.

Katherine Gros is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has been with UBS since 2017 and previously worked at Alliance Residential for one year. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

Alisha Leone is a CFP® and holds a Series 66 license, with 10 years of experience in the financial services industry. She has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party sources.

John Steccato is a financial advisor with Equitable Advisors holding a Series 66 designation and five years of industry experience. His prior roles include positions at AXA and experience at San Diego State University. Outside of his advisor duties, he has operated a small business in the food service sector. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs primarily through a network of Investment Adviser Representatives and third-party managers.

Joseph Ortega is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. Before joining Raymond James in 2024, he spent over a decade at Morgan Stanley and its affiliated entities, including Morgan Stanley Private Bank, N.A. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a range of portfolio management styles and a broad affiliate network.

Jill Lukehart is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 37 years of industry experience. She previously worked at Rjl Wealth Management, LLC and Lucia Securities, LLC for eight years each. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of financial planning and investment management services to individuals, retirement plan participants, and institutional clients through a large network of advisors.

Jeannette Fonoti is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked within JP Morgan Chase Bank and its affiliates since 2015. Outside of her advisory role, she owns Recruiting Mentality, a business that guides parents through the athletic recruitment process from high school to college. 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 searches, and customized performance reporting. The firm’s approach incorporates centralized due diligence and may include ESG eligibility criteria.

Isaiah Souza is a Financial Consultant at Fidelity Investments, where he works closely with his team to assist clients in developing personalized financial plans. He follows a structured four-step process to co-create strategies that align with clients' goals, concerns, and visions for their financial futures. Isaiah has held various roles within Fidelity Investments since 2021, including Investment Consultant, Workplace Planner III, and Central Relationship Manager. Prior to Fidelity, he held positions such as Senior Financial Assistant at Bangerter Financial, Financial Advisor at MassMutual, and Client Service Specialist at Ameriprise Financial. His career in the financial services industry began in 2013 as a Financial Services Professional. Isaiah holds a California Insurance License. Outside of his professional endeavors, he has interests in fitness, food, and traveling.

Robert Smith is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Dynatronics, Inc. and Breg, Inc., and spent a year self-employed. He serves as President of the Teen Volunteers in Action SD5 Chapter in Encinitas, CA, a parent-son volunteer organization partnering with local nonprofits. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard with a nationwide network of financial advisors and branch offices.

Nathan Fogleman is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at TD Ameritrade Investment Management, LLC, and Td Ameritrade, Inc. before joining Charles Schwab. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset investment approach supported by centralized operational and custody arrangements.

Nicole White is a financial advisor with Edward Jones in Vista, California. She holds the ChFC® designation and Series 66 license and has eight years of industry experience, all with Edward Jones since 2018. Prior to joining the firm, she took two years away from the industry as a stay-at-home mom. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and affiliated financial services, managing over $1 trillion in assets through a large nationwide advisor and branch network.

Jeffrey Johnson is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Sagepoint Financial, Inc. for 14 years and DePauw Johnson Inc. for 18 years, where he is also the owner providing tax preparation, bookkeeping, payroll, and other business services. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a broad range of brokerage and advisory services with an investment process centered on model-based asset allocation, portfolio optimization, and flexible implementation options through a complex platform supported by multiple affiliates and alternative investment opportunities.

David Saviage is a financial advisor with Thrivent Investment Management in Del Mar, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves on the Board of Directors for the Rotary Club of Carlsbad Foundation, which awards scholarships to local students. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach integrates financial planning with managed-account programs under a consolidated billing system, serving clients through its network of financial advisors.

Kenneth Klauber is a financial advisor at Stifel with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2009. His prior experience includes positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Stifel serves a broad client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and planning methodologies.

Scott Tompkins is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers a structured financial planning process supported by firm-approved tools and methodologies.

Kristian Forster is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, U.S. Bank, Wells Fargo, and HSBC Securities. 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.