Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. 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. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Karim Gadalla is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 66 and Series 63 licenses. His prior work experience includes roles at TD Ameritrade, Doordash, Caliclean, ESERP Business School, and Careem. Charles Schwab & Co., Inc. serves a large client base, 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 a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Chelsea Bullen is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. She has held roles at Voyager Wealth Advisors and Raymond James Financial Services, Inc. since 2026. Outside of her advisory work, she has been involved with SpotOn since 2017. 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, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and also provides specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Douglas Peart is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he was with Prudential Equity Group, LLC for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets. The firm provides a range of brokerage and advisory solutions and employs research-driven investment evaluation methods.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes positions at Fsc Securities Corp and OSAIC Services, Inc. Anderson is also the owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms and proprietary model strategies.

Ryan Locanto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He previously worked at UBS Financial Services from 2000 to 2005 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Erin Johnson is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 18 years of industry experience, including prior roles at Valic Financial Advisors and Nationwide Investment Advisors. Outside of her advisory work, Johnson is involved with GradePoint Insurance Group LLC, a non-variable insurance business. 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 broad range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies and incorporating technology-driven research tools.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2005 and has operated his own accountancy corporation since 1988. Bandemer serves on the board of the Carlsbad Rotary Foundation and is president of the Bressi Ranch Home Owners Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm employs a range of advisory models delivered through third-party sponsors and in-house programs, offering access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Timothy Thomas is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2002 and Charles Schwab Bank, SSB since 2005. Based in San Diego, CA, his career has been focused within the Schwab organization. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 combines non-discretionary advisory recommendations with access to discretionary separate managed accounts and offers a multi-asset, model portfolio-based investment approach supported by centralized custody and execution services.

Kathy Petersen is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at Bank of America N.A., Merrill, Securities America, Inc., and KMS Financial Services, Inc. She is also involved in providing administrative, marketing, and business development support through Prosperity Wealth Management. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Valerie Arenas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes an ESG eligibility framework in its recommendations.

Craig Cohn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. His prior roles include tenures at Independent Financial Group, LLC and Commonwealth Financial Network, as well as an earlier period at LPL Financial. He is the sole owner of COHN & COMPANY INC., a non-investment-related business entity. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

David Loseke is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for First Republic Bank and First Republic Securities Company. Outside of his advisory role, he serves on the Board of Directors for the San Diego Police Foundation and is President of the Torrey Pines High School Foundation. He is also involved as an advisory board member for Chargenet Stations and holds ownership interests in biotechnology firms MelioLabs, Inc. and Goltech Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Randy J. Taylor is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been a part of the firm for nine years within his 17-year career in financial services. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation and serves as a founding member and one of three senior partners of the Merrill Lynch Wealth Management team, Taylor & Associates. Randy and his team provide clients with a comprehensive wealth management service model, emphasizing work ethic, dependability, trust, and accessibility. Randy works closely with business owners, senior executives, physicians, families, and beneficiaries of generational wealth, focusing on personalized wealth management strategies that are disciplined, purposeful, and tax efficient. His team's expertise covers personal financial planning, lending, business acquisitions, private business sales, custom lending, and business transitions with tax efficiency considerations. He also coordinates with clients’ external advisors such as estate planning attorneys and CPAs and offers access to additional services through Bank of America, including Investment Banking, Commercial Banking, and Personal Banking. Randy’s educational background includes a High School Diploma from Torrey Pines High School and attendance at Liberty University. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional life, Randy is a husband and father to three children. He enjoys fitness activities such as playing pickleball and surfing, as well as writing and performing original music. Traveling and making memories with his family are among his personal interests.

Jeff Prichard is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 25 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Global Atlantic Financial Group and Global Atlantic Distributors, LLC from 2016 to 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms.

Hillary Clarke is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on developing personalized financial strategies tailored to clients' risk tolerance, liquidity needs, and time horizons to support their unique life goals. Hillary holds a California Insurance License, which complements her financial consulting expertise. Outside of her professional work, she engages in personal interests such as gardening, tennis, traveling, and volunteering.

Jeffrey Hackett is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he is involved in a family-run LLC that rents out a recreational vehicle, where he focuses on financial modeling, entity structure, and tax coordination. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Jasreen Sidhu is a financial advisor with Wells Fargo Clearing who holds a Series 66 designation and has one year of industry experience. Prior to joining Wells Fargo, she worked at Edward Jones, Morgan Stanley, BMO, First Foundation Bank, UBS, and Questrade Inc. Sidhu is also listed as CEO of a photography and videography business, Divine Mantra LA LLC, though it is currently not operating. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 advisors and offers a broad range of brokerage and advisory solutions.

Hayley Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has worked at LPL Financial since 2014, following roles at Stratos Wealth Partners, Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning and model portfolio programs.

Gerald Brown is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities LLC since 2013. Outside of his advisory role, he engages in e-commerce by selling sports memorabilia on eBay. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility criteria in its recommendations.