Michael Sperlinga is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and scenario modeling.

Natalie Slemp is a financial advisor at Edward Jones in Escondido, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, she worked at Benn Digital and several other firms in various roles. 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 and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Liam Reid is a Series 66-credentialed financial advisor with Charles Schwab in Carlsbad, CA, and has one year of industry experience. Prior to joining Charles Schwab & Co., Inc. and Charles Schwab Bank, he worked in education and held roles at Troon Golf and Pristine Auction. Charles Schwab & Co., Inc. serves a large client base of 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 separately managed accounts and offers a multi-asset investment approach supported by research from its Schwab Center for Financial Research.

Brenda Quinn is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She worked at Janney Montgomery Scott for seven years before joining Wells Fargo Clearing in 2016. Outside of financial services, she has been an independent consultant for Jafra Cosmetics International since 1983, involved in skin care cosmetics sales. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and uses diversification and modern portfolio theory in its investment evaluation.

Cody Lenahan is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Golden State Orthopaedics for five years and was employed by the San Marcos Unified School District for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and strategies, supported by a large network of financial advisors and branch offices nationwide.

Nga Ying Chan is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016, with prior roles at Ameriprise and LPL Financial. 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, utilizing research and analytics to support investment decisions.

Timothy Canty is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. His work history includes two separate tenures at Wells Fargo Clearing and eight years at Wedbush Securities Inc. He serves on the Architectural Review Committee for the Del Mar Country Club Estates Homeowners Association. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversified investment principles to offer both brokerage and advisory solutions.

Brendan Mcnamara is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Merrill, and Fidelity. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational and research tools.

Timothy Cole is a financial advisor at LPL Financial based in Carlsbad, CA. He holds the Series 66 designation and has recently entered the industry, with experience beginning in 2026. Prior to joining LPL Financial, he worked at Fidelity Investments and has a background in the medical device industry with NuVasive and DePuy Synthes. 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 advisory and brokerage services, utilizing a variety of investment strategies and tools to support its network of over 22,800 advisors.

Skylar Momsen is a financial advisor at J.P. Morgan Securities with two years of industry experience. They hold a Series 66 designation and have worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2023. Prior to their financial career, Skylar was employed at Crumbl Cookies in 2021 and attended Villanova University from 2020 to 2024. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates derivatives and commodities capabilities not commonly offered by similar firms.

Edward Rodriguez is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James-affiliated firms since 2007, including one year at Raymond James & Associates and 19 years at Raymond James Financial Services, Inc. Raymond James & Associates, Inc. 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 that includes individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning, investment consulting, and institutional fiduciary services.

Dex Yudelson is a financial advisor with Charles Schwab holding Series 63 and Series 66 designations and has nine years of industry experience. He has been with Charles Schwab Bank since 2017 and with Charles Schwab & Co., Inc. since 2016, based in San Diego, CA. Charles Schwab & Co., Inc. serves a large client base, 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and centralized operational support.

Brian Sward is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Charles Schwab in San Diego, CA. His work history includes roles at Charles Schwab Bank, Pro Unlimited, and Olatu S.L. He was also involved with APEX Fun Run Southern California in 2022. Charles Schwab & Co., Inc. serves a large client base primarily comprised of 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 combination of non-discretionary buy/sell recommendations and access to discretionary separately managed accounts using multi-asset model portfolios and a centralized operational structure.

Egan Yamamura is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is involved in business ownership of a McDonald's franchise in Hawaii. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficient strategies to provide comprehensive, written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of large institutional firms.

Jerry Davis is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having 11 years of industry experience. He previously worked at Bank of America and Merrill. 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.

Caleb Chen is a financial advisor at LPL Financial in San Diego, CA, holding the Series 66 designation with five years of industry experience. His work history includes roles at LPL Financial since 2018 and Forester Financial in 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides diverse financial planning and investment management options, including model portfolios, third-party asset management, and institutional platforms.

Scot Fairchild is a financial advisor with LPL Financial in San Diego, CA, holding a CFP® designation and securities licenses Series 63 and Series 65. He has 33 years of industry experience, previously working at RJL Wealth Management, Lucia Securities, and Success Financial Advisors. Outside of advisory work, he is involved with Montecito Venture Partners, a member-managed LLC, and manages a tax preparation and accounting business called Success Financial Advisors, LLC dba Strategic Tax & Financial. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by proprietary research and technology.

Deane Curtiss is a Wealth Management Advisor with over 30 years of experience in the financial services industry. He works with individuals and companies to understand their financial goals and implement strategies that align with their objectives. Deane specializes in areas such as college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Deane holds a Bachelor's Degree from Babson College and is a Personal Investment Advisor (PIA). He operates within Merrill Lynch Wealth Management, leveraging the resources and investment insights of Merrill and the banking solutions of Bank of America to provide clients with tailored wealth management strategies. Deane emphasizes a personalized approach, working one-on-one with clients to develop financial plans designed to pursue their long-term goals. In addition to his professional work, Deane is actively involved in his community through volunteering. His personal interests include cooking, fishing, hiking, running, spending time with family, table tennis, and tennis.

Mauro Ciarmoli is a financial advisor with Fidelity Investments in San Marcos, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes 17 years at LPL Financial, LLC before joining Fidelity. He is also the owner of MCC Discovery, LLC, an LLC registered for tax and business purposes. Mauro is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Luke Van Houten is a CFP® professional with 11 years of experience in financial advising. He is currently with LPL Financial and has prior experience at Putnam Investments LLC and Lifetime Financial Advisors Inc. He is also involved in providing financial planning and consulting services through Lifetime Financial Advisors Inc., an independent investment advisory firm. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and non-advisory financial services.