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.

Ryan Essick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He co-leads the Sims/Essick Team and has been with Merrill Lynch Wealth Management for over 18 years. Ryan holds professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses estate planning services, portfolio strategy, asset allocation, tax-free municipal bond income, retirement planning, custom lending, and employee stock options. Ryan and his team collaborate closely with clients' accountants and trust attorneys to develop strategies tailored to tax and estate planning needs. They serve clients primarily across the Del Mar and San Diego areas as well as nationwide. Ryan earned his bachelor's degree from the University of Dayton. Outside of his professional work, he has interests in antiquing, boxing, chess, photography, reading, running, and yoga.

Bruce Treitman is a financial advisor with Raymond James & Associates in Rancho Santa Fe, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and charitable organizations. The firm provides financial planning, investment consulting, and institutional fiduciary solutions, with an emphasis on tailored, non-discretionary advisory relationships supported by a broad range of portfolio management styles and affiliated research.

Christopher Wells is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Commonwealth Financial Network for seven years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

Dale Maas is a Series 66 licensed financial advisor with Edward Jones, based in Oceanside, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is involved as a manager in real estate investment ventures, including a partnership focused on property development in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Denise Long is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 65 designations and over 26 years of industry experience. She has been with JPMorgan Securities since 2016. J.P. Morgan Securities LLC 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 applying an ESG eligibility framework in its investment recommendations.

Somsack Sayvong is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations with 12 years of industry experience. He previously worked at First Allied Securities, Inc. for 21 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services including tailored financial and estate planning.

Lesandro Mena is a financial advisor at Charles Schwab with 19 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Charles Schwab & Co., Inc. serves a large client base, mainly 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 offers a blend of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and an established alternative investments program.

Elena Navedo Alvarez is a financial advisor at Merrill with Series 66 and Series 63 licenses and five years of industry experience. Her prior experience includes roles at Bank of America, J.P. Morgan Securities, and Caixabank S.A. 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 investment strategies for a range of clients including individuals and institutions.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Fawn Westlund is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years before joining Wells Fargo Clearing in 2023. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

John Choi is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at LPL Financial and East West Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research combined with quantitative and algorithmic methods. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies.

Benjamin Duckett is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Additionally, he has service experience with the Department of Defense dating back to 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning and a wide array of advisory programs supported by structured planning tools and investment research.

Trisha Sinouanthavysouk is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds the Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018, following prior roles at UnionBanc Investment Services, LLC and her own advisory practice. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Michael Killeen is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client relationships and corporate financial planning agreements.

Richard Hachigian is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for seven years before joining LPL Financial in 2022. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Justine Girard is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 43 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Girard serves as trustee for two family trusts, managing investment-related responsibilities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Ortiz is a CFP® professional with 10 years of experience at Edward Jones, where he has worked since 2016. He holds a Series 66 license and operates out of San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

David Richman is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James for 10 years. Outside of his advisory role, Richman serves as CEO of Cycle of Lives, a nonprofit focused on raising funds and awareness for cancer care, and is also an author who self-publishes books and blogs unrelated to the financial industry. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a variety of portfolio management styles and affiliated research resources.