Christopher Pennington is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is registered as an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner and decision-maker in real estate investments through PMR Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services through a large network of financial advisors.

Rodney Graham is a financial advisor at OSAIC with nine years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and operated as a self-employed advisor. Graham serves on the board of the End Alz Association and runs a financial coaching and education business offering workshops on money management and retirement planning. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of advisors. The firm provides integrated brokerage and advisory services, utilizing various portfolio management tools and third-party solutions.

Kevin Bowcock is a CFP® professional with 13 years of industry experience, currently with Stifel since 2019. His prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. He serves as a board member of the Escondido East Rotary. Stifel provides brokerage and investment advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, supporting client decisions across a variety of financial areas.

Rashaad Shaw is an Investment Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2021 to 2023 and gained experience as a Banker at Wells Fargo from 2017 to 2021. His professional background encompasses investment consulting and financial representation within the financial services industry. Rashaad holds a California Insurance License, supporting his work in financial advising and investment consultation. His approach focuses on partnering with clients to understand their unique situations and goals, aiming to develop clear and understandable financial strategies. Outside of his professional work, Rashaad has personal interests in cars, fitness, music, snowboarding, and surfing.

Marissa Maiorca is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at several firms including JP Morgan Chase Bank and Limoncello LLC. Outside of her advisory role, she has experience in the hospitality industry through her involvement with Sorrento Ristorante & Pizzeria. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering customized asset-allocation advice, investment manager searches, and performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He joined Edward Jones in 2025 after four years at Guidepoint and prior roles in academia and public service, including positions at the Institute of Transportation Studies at UC Davis and CalSTRS. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory strategies and affiliated investment products, supported by a nationwide network of more than 23,700 financial advisors.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. She previously worked at Lucia Securities for eight years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Brandon Cass is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and previously worked at SagePoint Financial for eight years. He is also the founder and president of Intrepid Wealth Management, where he manages his client base and recruits financial advisors. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and multiple third-party resources to construct diversified portfolios.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Steven Navarra is a Financial Advisor based in Palo Alto affiliated with Merrill Lynch Wealth Management. He has over five years of experience and specializes in goals-based wealth management and tailored investment strategies. Steven's areas of expertise include retirement planning, concentrated stock strategies, alternative investments, asset allocation, and portfolio management services. He works closely with clients' CPAs and attorneys to develop coordinated financial strategies. Steven began his career with Merrill Lynch in February 2019 as part of The Zanolli Staubli Group. Over the years, he has advanced to lead client relationships and strategic planning efforts within the team. He holds the CERTIFIED FINANCIAL PLANNER® designation and is a Chartered Retirement Planning Counselor™. Steven also holds the Personal Investment Advisor (PIA) designation. He earned a Bachelor's degree in Economics and Accounting from the University of California, Santa Barbara, and studied business at Bocconi University in Milan. Steven resides in San Francisco with his fiancée, Caroline. Outside of work, they enjoy traveling, spending time at the beach, and being with family.

Lori Robinson is a financial advisor at UBS Financial Services with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2016. Outside of her advisory work, she serves as a member of the estates and trust committee at Rady Children's Hospital in San Diego. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client strategies.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she is a senior partner with the VCMPT Group. This 16-member team serves a select clientele including families, corporate executives, and entrepreneurs, providing asset management and financial guidance. The group collaborates with Bank of America to offer clients banking and lending solutions alongside customized wealth planning services. Jennifer began her advisory career in 1996 and joined Merrill Lynch in 2006. She holds a Bachelor of Science degree in Biology from BJU and has earned multiple professional certifications, including CFP®, CIMA®, CPWA®, and PIA. Additionally, she has completed executive education at Wharton, Yale School of Management, and Chicago Booth School of Business. Her expertise covers legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer is actively involved in philanthropy through both the team's donor-advised fund and her own efforts. She serves on Bank of America's LEAD for Women Board, volunteers with the Bank of America Community Volunteer Network and her sons' schools, and has previously served on the board of the Rancho Santa Fe Garden Club. Her personal interests include gardening, cooking, exercising, and travel.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. Charles Schwab & Co., Inc. serves primarily 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 both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

John Ronan IV is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 credentials and 17 years of industry experience. His prior roles include positions at LPL Financial and Trilogy Capital Inc. He has an extended work history outside finance, having been employed at P.F. Chang's China Bistro for 17 years. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers multiple investment implementation options and proprietary as well as third-party strategies, with a notable emphasis on compliance, advisor business structures, and conflict-of-interest disclosures.

Jacob Kohut is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at U.S. Bancorp Investments, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of his advisory role, he owns and operates a t-shirt company, designing and selling apparel at farmers markets and wholesale. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options within its investment menus, serving a broad range of institutional clients.

Hunter Trusty is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His prior roles include positions at Charles Schwab and APES Trading. 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 through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kurt Schleehauf is a Planning Consultant at Fidelity Investments, where he partners with clients to understand their financial situations and collaborates with planning teams to develop financial plans tailored to clients' goals. He has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, both in 2024. Prior to joining Fidelity, Kurt worked as an Account Specialist at AIG Corebridge Financial from 2017 to 2023. He holds a California Insurance License.

Serena Kim is a financial advisor with LPL Enterprise holding Series 63 and Series 65 designations and 12 years of industry experience. She has worked at multiple firms including Prudential Insurance Company of America and SRK Consulting Services, where she also serves as a business owner specializing in marketing and business administrative consulting. Additionally, she owns several insurance-related businesses in Carlsbad, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with brokerage and insurance product sales and includes participation in collateralized lending programs.

Erik Tappin is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1996. He is based in Carlsbad, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and quantitative models to support its financial planning services.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.