Brandon Cass is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked previously at SagePoint Financial, D.A. Davidson & Co., and Crowell, Weedon & Co. He is also the president and founder of Intrepid Wealth Management, where he manages his existing client base and recruits financial advisors. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across multiple programs, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk-management tools.

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 with Merrill Lynch Wealth Management in Palo Alto. He has been with The Zanolli Staubli Group since 2019, where he started as an associate and progressed to his current role leading client relationships and strategic planning efforts. Steven specializes in goals-based wealth management, asset allocation, retirement planning, concentrated stock strategies, and alternative investments. He holds the CERTIFIED FINANCIAL PLANNER® designation and is a Chartered Retirement Planning Counselor™ designee. Steven collaborates closely with clients' CPAs and attorneys to develop coordinated financial strategies tailored to each client's goals and circumstances. 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 lives in San Francisco with his fiancée, Caroline. 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 with Merrill Lynch Wealth Management. She joined the firm in 2006 and is a senior partner with the VCMPT Group, a 16-member financial services team. This group serves a select clientele of families, corporate executives, and entrepreneurs by providing asset management and financial guidance. The team collaborates with Bank of America to offer clients integrated personal and commercial banking, lending solutions, and customized wealth planning, enabling comprehensive support through a single point of contact. Jennifer began her advising career in 1996. She earned a Bachelor of Science degree in Biology from Bob Jones University (BJU) and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She has also completed executive education programs at Wharton, Yale School of Management, and Chicago Booth School of Business. Jennifer focuses on areas such as legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer's personal interests include exercising, gardening, cooking, and travel. She is involved in philanthropy through the team's donor-advised fund and her own. Jennifer previously served on the board of the Rancho Santa Fe Garden Club and currently participates in Bank of America's Community Volunteer Network and the LEAD for Women Board. She also volunteers with her son's schools.

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 in San Diego, CA, holding Series 65 and Series 63 designations and bringing 18 years of industry experience. His prior roles include positions at LPL Financial, Trilogy Capital Inc., Trilogy Financial Services Inc., and National Planning Corporation. Outside of his advisory work, he has experience as an agent in insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and provides proprietary model strategies through its Founders Gate Capital brand.

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 Series 66 licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations and derivatives capabilities than many institutional programs.

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. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.

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.

Sydney Jang is a financial advisor at UBS Financial Services with one year of industry experience. They hold a Series 66 designation and have held positions at UBS Financial Services and the University of California, San Diego Economics Department. Sydney was also involved with the UCSD Student Sustainability Collective during their time at the university. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to client goals and risk tolerances.

Mica Lam is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 26 years of industry experience. Prior to joining UBS in 2021, Lam held roles at First Republic Securities Company, LLC, First Republic Investment Management, Inc., Bank of America, N.A., and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and provides a broad range of capital markets services.

Theresa Houle is a financial advisor with LPL Financial in Del Mar, CA, holding Series 63 and Series 65 credentials and seven years of industry experience. Her prior experience includes roles at PlanMember Securities Corporation and CalPro Network Financial Services, as well as operating as a self-employed advisor since 2015. She also owns a non-investment business entity, Franklin Marie Financial, for tax and investment purposes. 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 and access to third-party asset managers, and supports its advisors with research tools while overseeing over $819 billion in discretionary assets.

Lisa Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role she has held since 2018. She works closely with women business owners, corporate executives, and individuals experiencing significant financial transitions such as retirement, divorce, career changes, or the loss of a spouse. Lisa specializes in creating customized wealth management, retirement, education, and investment strategies to help her clients preserve, manage, and grow their wealth over time. With over 20 years of experience in financial services, Lisa previously spent 14 years in corporate management and financial consulting. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Divorce Financial Analyst® (CDFA®) designation, and the Personal Investment Advisor (PIA) designation. Lisa earned a Bachelor of Science degree in Management Science from the University of California, San Diego, and an MBA from the University of California, Irvine's Paul Merage School of Business. Outside of her professional responsibilities, Lisa enjoys spending time with her family, attending her son’s soccer games, participating in women's business organizations, playing soccer, mountain biking, and traveling. She is also involved with community organizations such as Guide Dogs of the Desert, Paul Merage School of Business, and Poinsettia Elementary.

Theodore Hageman is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at LPL Financial for 12 years and has been with Morgan Stanley Smith Barney LLC since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Thomas Stout is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior experience includes roles at Navy Federal Brokerage Services, California Credit Union, and Comerica Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Saba Solomon is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at several firms including UBS Financial Services, First Republic Bank, and Wells Fargo. 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 to build model asset allocations and incorporates an ESG eligibility framework.