Patricia Bennett is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. She has previously worked with Wells Fargo Clearing Services and Deutsche Bank Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, specializing in asset-allocation advice, investment manager research, and customized performance reporting through its Institutional Consulting Services program.

Dennis O Connell Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and generally delivers services on a non-discretionary basis.

Justin Steers is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Wells Fargo Clearing. Steers serves as a board member of the Exit Planning Institute, an educational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Alexander Brewer is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at RBC Capital Markets, The Vanguard Group, and RiverSource. Outside of advising, he is a partner in Malu Co LLC, a retail and online sales business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Alan Shapiro is a CFP® with 22 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC for one year. Outside of his advisory role, Shapiro serves as co-trustee of a family trust. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Sean Boylan is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services and has been involved with Guide My Finances since 2021, where he provides financial planning and investment management services. Outside of his advisory role, Boylan is a partner in Stratosphere Strategies LLC, offering travel-related research and support, and also operates a pet-sitting service in Carlsbad, CA. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm employs asset-allocation tools and risk assessments to construct portfolios across various investment vehicles, offering both discretionary and non-discretionary management options.

Erin Child is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Graham Child LLC and various entities within the J.P. Morgan organization. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services through a select group of Wealth Advisors.

Jose Cuellar is a CFP® professional with 18 years of industry experience, currently associated with Wells Fargo Clearing since 2025. Prior to this, he worked at JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2025, and at UBS Financial Services from 2015 to 2019. 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 manages approximately $671 billion in assets and supports a broad range of brokerage and advisory solutions.

Joshua Lozano is a financial advisor with Charles Schwab & Co., Inc., holding Series 65 and Series 63 licenses. He has experience working in both the financial services and hospitality industries, including roles at Neubloc and Karl Strauss Brewing Company. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services supported by proprietary research and integrated operational infrastructure.

Ian Jones is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is involved with ESGology, Inc., an investment-related business entity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and technologies such as machine learning.

Ian Kelly Thomas is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Tadich Capital and Affinity Financial Advisors. Outside of his advisory role, he serves as CEO of IKT Holdings Inc., a business consulting firm focusing on strategic growth and operational efficiency. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Gretchen Kibbe is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at Power Digital, Nike, and Free People, and has teaching experience at various educational institutions including the University of San Diego and local schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kelley Lee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo affiliates since 1996, including Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment 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.

Kimberly Biller is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She previously worked at The Wealth Advisors from 2011 to 2019 and has been with LPL Financial since 2007. Outside of her advisory role, she is a licensed California notary public and is involved in residential real estate sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, financial planning, and consulting services supported by in-house and third-party research, with options for discretionary and non-discretionary portfolio management.

Luken Wilson is a financial advisor at Charles Schwab with Series 66 credentials and one year of industry experience. His prior work includes roles at 3E Company and Gremlin, as well as involvement with the University of San Diego’s University Ministry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custodial services supported by centralized operations and extensive alternative investment due diligence.

Britain Kern is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2025, Kern held various roles including positions at Applied Minds and Nextbite. 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.

Sharon Peterson is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. She previously worked at SharMarc Financial Advisors, Inc. for 20 years and LPL Financial, LLC for 28 years. Peterson provides financial planning and consulting services through SharMarc Financial Advisors, an independent registered investment advisory firm she has been involved with since 2006. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates extensively through LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Joseph Stenovec is a CFP® professional with 17 years of industry experience, currently with LPL Financial since 2025. His prior roles include positions at OSAIC and Lifetime Financial Advisors, Inc. He is also involved with Wealth Manager Group LLC, a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions, through a national network of representatives offering various advisory and financial planning services.

Kristina Walden is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.