Michael Marangola is a CFP® and ChFC® with 26 years of experience in the financial industry. He is currently affiliated with LPL Financial and also serves as president and owner of Marangola Financial Group, Inc., where he provides financial advice and income tax return preparation. His career includes prior experience at OSAIC and FSC Securities Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Christopher Gregson is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his advisory career in 2025. His prior work experience includes roles in roofing and insurance services, and he maintains involvement with Emerald Street Capital and I-Surance Insurance Services. Gregson also acts in a fiduciary capacity for a family trust and will. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients by offering financial planning, advisory, and brokerage services through an integrated platform that includes insurance products and access to third-party asset managers.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. 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 through a large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.

Jason O Reilly is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at HSBC Bank USA, HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He has also served as a bank officer for HSBC Bank (USA) N.A., where he engaged in the sale of bank-related products and services alongside his registered representative duties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Mark Vigil is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Kestra Investment Services and Morgan Stanley, with roles spanning investment advisory and private banking. In addition to his work at LPL, he serves as Managing Director of Tailwind Wealth Advisors, an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Naief Al Chaikh is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at Ameriprise and Comerica Securities, Inc., where he spent nine years. Al Chaikh is also engaged in outside business activities related to investment platforms connected to Comerica Bank. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and multiple portfolio management options.

Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Ryan Montes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at several firms, including E*Trade Financial Corporation, Morgan Stanley, Charles Schwab, TD Ameritrade, Massachusetts Mutual Life Insurance Co, and Edward Jones. Montes is based in Carlsbad, CA. 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 applying an ESG eligibility framework in its recommendations.

Morgan Seymour is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2019 and worked previously at San Diego State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ariana Jordan is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA. She holds a Series 66 designation and has nine years of industry experience, including a prior role at Investment Technology Group. Jordan has been with Wells Fargo Clearing since 2017. 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, supporting a large network of financial advisors and offering both brokerage and advisory solutions.

Daniel La Page is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004. Outside of his advisory role, he owns a rental property in Cottontown, Tennessee. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm uses an IPS-driven advisory process grounded in modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, and participant education.

Cheryl Giustiniano is a CFP®-certified financial advisor with 34 years of industry experience. She is currently with LPL Financial and previously worked at Raymond James Financial Services, Morgan Stanley DW Inc., and other firms. Cheryl operated her own practice, Giustiniano Wealth Strategies, for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of representatives. The firm offers a broad range of advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources.

Michael Shanahan is a Certified Financial Planner® with 26 years of industry experience, currently affiliated with LPL Financial. He co-founded Overland and Shanahan, where he has been practicing for over 20 years. Shanahan is also involved as a 401(k) trustee and has experience in non-variable insurance sales. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Matthew Kaiser is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and five years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Wealth Management since 2021. Prior to his financial services career, he held positions at Chipotle Mexican Grill and the University of California, Irvine. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market models.

Frances Pascua is the Resident Director and Wealth Management Advisor at Merrill, where she has been since 2014. She specializes in new client relationships and the implementation of financial and wealth management services for existing clients. Frances is a partner of The Callahan Pascua Group. She holds the Certified Investment Management Analyst® designation issued by the Investments & Wealth Institute® and completed coursework taught in conjunction with The Wharton School, University of Pennsylvania. Frances earned a B.A. in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology from San Diego State University and a Master's of Business Administration from Alliant International University. Frances is fluent in Filipino and active in several professional organizations, including serving as President of the Merrill Women's Exchange, San Diego Chapter, and as National Chair of the Investments & Wealth Institute® Conference Committee. In her spare time, she enjoys traveling to learn about different cultures, spending time with family, and pursuing interests such as music, scrapbooking, tennis, writing, yoga, and watching movies.

J Coghlan is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 designations and over 33 years of industry experience. His prior roles include long tenures at Securities America Advisors, Inc. and Coghlan Financial Group, Inc. Outside of advisory services, he operates as an independent agent selling fixed insurance products and provides living trust document services to clients. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party managers. The firm utilizes asset-allocation tools and automated rebalancing to manage diverse portfolios and supports multiple advisory platforms and legacy program transitions.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options, supported by centralized custody and operational infrastructure.

Jesse Starr is a CFP® with 18 years of experience in the financial industry, currently serving at Morgan Stanley in San Diego, CA. His prior work includes roles at Wells Fargo Clearing and JPMorgan Securities LLC. Outside of his advisory work, he is a partner at Starr Ventures 1738 LLC, a real estate investment business based in Montana. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, including personalized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to assist clients in their financial decisions.

Maverick Martin is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His work history includes roles at several organizations, including SD Adventures and The Sandbox. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features such as registration as a commodity pool operator and formal advisory roles to multiple registered investment companies.