James Carter is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. His previous roles include positions at Ameriprise Financial Services, UBS Financial Services, and Merrill. He is also involved with Carter Wealth Advisors LLC in a non-investment capacity. 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 provides a range of advisory and brokerage services, leveraging model portfolios, third-party subadvisors, and advanced operational tools.

Sylvia Geffen is a financial advisor with Wells Fargo Advisors in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Citigroup Global Markets, and Morgan Stanley DW Inc. She serves as a trustee for multiple family trusts and has ownership in an investment-related business outside her advisory role. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

Kenneth Lee is a financial advisor with Ameriprise in Poway, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic automation overseen by internal committees to generate tailored retirement-income recommendations.

Bulent Erol is a financial advisor with Cetera, holding a Series 66 credential and over 13 years of industry experience. His background includes roles at Cetera Wealth Services, HBW Advisory Services, and HBW Securities. Outside of advising, he is a co-author of a book titled *The Informed Fed, A Survival Guide to Federal Employee Benefits* and serves as president and CEO of LHD Insurance & Financial Services, which offers financial services, tax planning, and insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management options, financial planning, and retirement services, with more than $256 billion in assets under management and over 10,000 advisors.

Gregg Schaefer is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Merrill and its predecessor entities since 2005, including a long tenure with Bank of America, N.A. since 2009. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tamara Huey is a financial advisor at Ameriprise with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise since 2005, including her current role starting in 2020. Outside of advising, she is involved in independent insurance brokering. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Emily Hughey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at UBS Financial Services from 2003 to 2005. 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.

Tyler Baugh is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Before joining Morgan Stanley in 2022, he worked in various roles at Target, a community college, The Home Depot, and Cinemark. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client plans and corporate financial planning agreements.

Sean Manatt is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2007. Based in San Diego, CA, he is part of a large network of advisors within the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Xavier Ricart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2023, he spent a decade at Banco Santander Internacional from 2012 to 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm provides a broad range of services including portfolio management, financial planning, and capital markets solutions.

Brian Chan is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has 19 years of industry experience, having been with LPL Financial since 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Jack Kilpatrick is a financial advisor at Morgan Stanley in La Jolla, CA, holding Series 65 and Series 63 licenses. He has been with Morgan Stanley since 2026 and previously held roles in financial consulting, fixed insurance sales, and security at various businesses. Prior to joining the financial industry, his experience includes positions in education and hospitality. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques, serving clients in both advisory and brokerage capacities.

Marc Rupnow is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade Institutional from 2012 to 2023. Outside of finance, he was involved with Bali Hai Restaurant for a decade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Tina Pena is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has been with 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 a range of brokerage and advisory solutions supported by research and analytics.

Dakota Atchley is a financial advisor at Thrivent Investment Management with six years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Prior to his financial services career, he was involved in roles at DXC Technology, MetLife Investors Distribution Company, Spiritoux Wine & Liquor, Total Quality Logistics, and Brock Entertainment. Beginning in 2025, he plans to engage in freelance music production, including producing, songwriting, marketing, and music development. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based planning in areas such as retirement, tax, estate, and business continuation without discretionary portfolio management.

Stephen Denbraver is a financial advisor with LPL Enterprise, holding a Series 66 designation and three years of industry experience. He has previously worked with The Prudential Insurance Company of America, Pruco Securities LLC, and Pacific Advisors. Outside of finance, he teaches group fitness classes as a coach at MOA Fitness. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and institutional clients, including high-net-worth investors and retirement plans. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Heather Walter is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to her current role beginning in 2021, she worked eight years at In N Out Burger. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives.

Abby Nygren is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has a longer tenure with Wells Fargo Bank, N.A. dating back to 2004. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions with an emphasis on research-driven portfolio construction and a comprehensive range of financial products.

Juliana Najor is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 63 and Series 65 designations and has been with 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, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and supports over 14,000 financial advisors.

Michelle Jenkins is a Planning Consultant at Fidelity Investments, where she focuses on understanding clients' personal situations and financial objectives through comprehensive planning. She partners with clients to identify opportunities for education about Fidelity's investment strategies and available resources. Michelle brings nearly 30 years of industry experience, having held various roles at Charles Schwab & Co., Inc., including Senior Client Relationship Specialist, Client Relationship Manager, Investment Consultant, and Client Service Representative. She holds a California Insurance License. Outside of her professional work, Michelle enjoys attending concerts, traveling, and volunteering.