William Tychsen II is a financial advisor at OSAIC with over 31 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at several firms including First Tech Federal Credit Union and Addison Avenue Investment Services. Tychsen is also the CEO of Tychsen Advisory Group, where he provides financial advice. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that emphasizes portfolio optimization and risk management.

Christopher Szot is a financial advisor with Wells Fargo Advisors who holds the ChFC® designation and has 21 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Szot owns Crown Wealth Management, LLC, an investment-related business based in Vista, California. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations based on Wells Fargo research and planning tools, with services designed to address various financial planning needs, including niche areas such as business-owner transition and special-needs planning.

Kenneth Patterson Jr. is a CFP® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2008. He has 17 years of industry experience. Outside of his advisory role, he serves as a head official and assists in training novice referees for adult recreational sports. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products through a large network of advisors and branch offices.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. He has worked at LPL Financial since 2004, with prior roles at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors.

Douglas Cole is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at SagePoint Financial, Inc., OSAIC Services, Inc., Cole Financial, LLC, and Sentra Securities Corporation. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and participant-level retirement advice, supported by a network of over 22,800 advisors.

Gary Glockzin is a CFP® professional affiliated with LPL Financial, based in San Diego, CA, with 40 years of industry experience. He worked for Crown Capital Securities, L.P. for 25 years before joining LPL Financial in 2024. In addition to his advisory role, he is a licensed real estate agent involved in mortgage and real estate services. 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 a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, with a focus on both discretionary and non-discretionary strategies.

Benjamin Kingsley is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2019. Prior to joining UBS, he worked at Mercer Global Advisors Inc. from 2015 to 2019. He is a member of the board of directors for The Anza Borrego Foundation, where he advises on financial decisions and supports advocacy for the state park. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a wide range of capital markets and advisory solutions.

Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.

David Menashe is a financial advisor with Merrill in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chad Brown is a financial advisor with Wells Fargo Advisors in Cardiff, CA, holding Series 63, Series 65, and Series 66 designations and 18 years of industry experience. His prior roles include positions at Aegis Capital Corp, LPL Financial, Wells Fargo Clearing, and UBS Financial Services. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, utilizing comprehensive planning tools and research to develop tailored recommendations. The firm’s services include a broad range of planning options and integrate advisory services with other financial products and referral channels.

Sarah Montoya is a Series 66-licensed advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015, and previously worked at Merrill from 2011 to 2013. Montoya serves as a board member for the University of California, San Diego, and is a member of M.M. Bodega, LLC, a retail and art-related business in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and approved planning tools, offering a range of investment and planning services without providing individual security recommendations as part of standalone financial plans.

Mandar Bhave is an Investment Management Consultant II at Fidelity Investments. In this role, he collaborates with clients to understand their individual financial situations and develop personalized financial plans that align with their specific goals. He focuses on educating clients about Fidelity's resources to help them make informed financial decisions tailored to their plans. Mandar has held several positions within the financial services industry, including Investment Consultant and Investment Solutions Representative at Fidelity Investments since 2021. Prior to that, he worked as a Financial Solutions Advisor at Merrill Edge from 2018 to 2021 and as a Workplace Investor Associate at T Rowe Price from 2016 to 2018. He holds a California Insurance License.

Joseph Macdougall is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cavanaugh Financial, Cal Ice Ventures, LLC, and Cavanaugh Financial Group. Outside of his advisory work, he is a partner in JWM Holdings, Inc., where he breeds and races horses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad range of clients through its extensive advisor network and specialized programs.

Megan Schenck is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Flynn Financial Group, CBRE, and other firms. She is involved with Flynn Financial Group LLC in a non-investment advisory capacity. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Kirsty Miller Hopkins is a financial advisor at J.P. Morgan Securities in San Diego, CA, with four years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan and JPMorgan Chase Bank since 2019. Outside of finance, she is a shareholder and development partner in California Fresh Almonds, an almond production company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Torreblanca is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 66 credential and 14 years of industry experience. He has worked at LPL Financial since 2015 and previously held roles at Stratos Wealth Partners, Ltd and Wells Fargo Clearing. Torreblanca also serves as an agent for fixed insurance through 3Mark Financial and Insurance Designers of America. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management programs, utilizing model portfolios, third-party subadvisors, and customized strategies supported by technology tools.

Christopher Fenimore is a Series 66 licensed financial advisor with 17 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics, with options to combine planning and managed account services under a consolidated billing arrangement called “WealthPlan.”

Pablo Contreras is a Financial Consultant at Fidelity Investments, a role he has held since 2019. In this capacity, he works closely with select individuals and families to provide clarity on their overall financial situation. He follows Fidelity's 5 pillars of wealth to guide clients toward a disciplined approach in meeting their financial objectives. Before becoming a Financial Consultant, Pablo held several positions within Fidelity Investments, including Investment Consultant in 2019, Relationship Manager from 2018 to 2019, and Financial Representative from 2017 to 2018. Prior to joining Fidelity, he worked as a Financial Services Professional at New York Life from 2015 to 2017. Pablo holds a California Insurance License. Outside of his professional work, Pablo has interests in cars, music, and outdoor adventures.

Jon Schmauss is a financial advisor at Morgan Stanley with 58 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.