Richard Nolan is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and holds several board and ownership roles in companies related to tax preparation, insurance, and investment management. He also serves as an HOA board treasurer in a volunteer capacity. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with tools for asset allocation and portfolio optimization, operating at a large scale with a complex affiliate network and private-equity ownership.

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®-certified financial advisor with Morgan Stanley, based in San Diego, CA, and has 45 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group. Outside of advising, he is a published author of motivational and financial articles and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as acting as treasurer for the Rotary Club of Escondido. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in assets and operates both as an investment adviser and broker-dealer.

Brian Mancuso is a CFP® professional with 30 years of experience in the financial industry. He has worked at 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, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and multi-asset investment approach backed by proprietary research.

Rebecca Belloso is a Series 66 licensed financial advisor with five years of industry experience. She is currently with J.P. Morgan Securities and has prior experience at Merrill and JPMorgan Chase Bank, N.A. Before her finance career, she worked in the foodservice industry with San Diego Dining Group and La Mesa Farmers Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Zachary Rogers is a financial advisor with Merrill, holding a Series 66 designation and currently based in Carlsbad, CA. His experience includes roles at Bank of America, OneAmerica, and GoldBook Financial (MassMutual), as well as prior positions outside finance with the Ultimate Fighting Championship and UFC Fit. 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, and institutions, with portfolio options designed and implemented by internal and third-party managers.

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 with Wells Fargo Clearing, holding a Series 66 designation and bringing seven years of industry experience. She has been with Wells Fargo Clearing since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Brett Atkinson is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2020. Prior to this, he worked for Ameriprise Financial Services, Inc. for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

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 at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Goldman Sachs and Tonal Systems Inc. Outside of finance, he has been involved with Tonal, a fitness technology company, where he was granted stock options as part of his compensation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative and qualitative due diligence and may include ESG considerations.

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.

Andrew Goyhenetche is a financial advisor with Ameriprise in San Diego, CA, holding Series 65 and Series 63 licenses and six years of industry experience. His work history includes roles at Ameriprise since 2018 and positions at several other firms, including BuildOps and the Xenon Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and annual planning advice focused on income sources and tax-aware withdrawal strategies for clients near or in retirement.

Sean McSweeny is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1992 as a Financial Advisor in Torrance, California, and has been serving as the Senior Resident Director of the Carlsbad office since January 2010. He is part of a team comprising four Financial Advisors and one Wealth Management Client Associate, focusing primarily on investment management. With over 30 years of experience in wealth management, Sean's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and tax minimization. His approach centers on collaborating with clients to align their wealth management with seven key life priorities: family, finances, health, home, leisure, work, and giving. Throughout his career, he has developed long-lasting client relationships through customized advice and a disciplined investment approach. Sean holds a Master's degree from the California State University System and a Bachelor's degree in Finance from Loyola Marymount University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Sean resides in San Diego with his wife and three children and enjoys baseball, football, golfing, soccer, and spending time with his family.

Blake Baxter Jr. is a financial advisor with LPL Financial based in Encinitas, CA, holding a Series 66 designation and seven years of industry experience. He is also involved in Baxter Law Corp, a law practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party strategies.

Christopher Kielar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes prior roles at Wells Fargo Bank, N.A., Bank of America/Merrill Lynch, and earlier tenure at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory work, he personally owns rental property, which is managed by a third party. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s approach involves non-discretionary, written asset allocation advice and manager searches supported by systematic quantitative and qualitative research, with a focus on customized reporting and a range of specialized regulatory registrations.

Samer Bordcosh is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Bank of America and Merrill since 2012. 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 strategies for individuals, high-net-worth clients, and various organizations.

Patrick Vento is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013, and previously worked at Edward Jones from 2010 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and offers customized performance reporting while clients retain final decision-making authority.

Steven Frigo is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding a Series 66 designation and two years of industry experience. He was previously with First Republic Bank for eight years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2023. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.