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.

Paul Zawilenski is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory services with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

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.

Erik Simmons is a financial advisor with Ameriprise who holds a Series 63 designation and has 30 years of industry experience. Prior to joining Ameriprise, he worked at Axxcess Wealth Management LLC and Arete Wealth Management LLC for eight years. He is based in Carlsbad, CA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Jon Paul Witkop is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding Series 63 and Series 65 registrations and 10 years of industry experience. He previously worked at LPL Financial and Algonquin Advisors. Outside of his advisory role, he serves as an assistant coach for the U18 San Diego Saints Hockey team. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services with a non-discretionary approach, supported by various portfolio management styles and affiliated research.

Carlos Caceres Jr. is a financial advisor with Raymond James Financial, holding a Series 63 credential and bringing 33 years of industry experience. He has worked with firms including Mission Fed Investment Services, Raymond James Financial Services Advisors, and U.S. Bancorp Advisors. Outside of his advisory role, he serves as a trustee for a personal investment entity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and supports municipal advisory services and specialized employer advisory programs.

Catherine Ferguson is a financial advisor at J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials with seven years of industry experience. She has worked at JPMorgan Securities LLC and J.P. Morgan Chase Bank NA since 2019, including her current roles starting in 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a non-discretionary Institutional Consulting Services program that includes asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Nancy Parrett is a Series 66-registered financial advisor at Merrill with 18 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2007 and Bank of America, N.A. since 2011. Outside of her advisory role, she is the managing member and owner of Willowwood, LLC, an investment-related business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Alexander Monroe is a financial advisor with Stifel in San Diego, CA, holding the Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory role, Monroe serves as Vice President and Board Member of the La Jolla Golden Triangle Rotary Club Foundation, where he is involved in community communications. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Yvonne Good is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 4 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers diversified retail and institutional investment solutions.

Russel Upton is a Wealth Management Advisor with over 24 years of experience serving wealthy families and institutional investors across the United States, including in the metropolitan areas of Los Angeles, New York, San Diego, and San Francisco. He represents Merrill Lynch Wealth Management and directs financial strategy, asset allocation, manager evaluation, and liability management for senior business executives as well as select clients in the entertainment, sports, legal, and technology sectors. His practice includes a broad range of wealth management services for high-net-worth and ultra-high-net-worth clients, such as trust and estate planning management, cash management, single and restricted stock risk management, retirement planning, aviation, art and marine lending, derivatives trading, and alternative investments. Mr. Upton holds multiple professional designations, including the Certified Private Wealth Advisor® certification administered by the Investments & Wealth Institute in conjunction with The University of Chicago Booth School of Business, and the Sports & Entertainment Accredited Wealth Management Advisor™ certification, administered by the College for Financial Planning Institutes Corp. He also holds the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Russel earned both his Bachelor of Science degree and Master of Business Administration from the College of Business and Economics at California State University, Northridge, and has completed an Accredited Certificate Program from the University of Chicago. Prior to his current role, Russel served as Senior Vice President for U.S. Trust (now Bank of America Private Bank) and City National Bank in Los Angeles and San Diego, and worked in the entertainment industry as Manager of Finance for New Regency Productions and Senior Accountant for Morgan Creek Productions in Los Angeles. His community involvement has included serving on the Board of Directors and as Trustee for the San Diego Zoo Foundation Board, the San Diego Sports Commission Board, and the San Diego Opera Board.

John Willis is a financial advisor with UBS Financial Services in San Diego, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management, supported by proprietary research and capital market assumptions. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and banking solutions.

Steven Swanson is a financial advisor with Wells Fargo Clearing in Encinitas, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s 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.

Terence Seymour is a Series 66-licensed financial advisor with Edward Jones in Carlsbad, CA, and has 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 advisors and 15,000 branch offices.

Mark Lucia is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management (MSWM) serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to structured financial planning and investment advisory.

Gregory Flynn is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kendra Williams is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has worked at Primerica Financial Services since 2023 and has held various roles, including positions at Mount San Jacinto College and Nordstrom. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program with model-based investment strategies managed by unaffiliated asset managers.