Alejandro Sardon is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at First Citizens Bank and the Vienna University of Economics and Business. Merrill, along 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 individuals, high-net-worth clients, and institutional investors.

Mark Kohn is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 63 designation and over 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1997. Outside of investment advising, he is involved in non-variable insurance through Kohn Wealth Management and as an insurance agent. 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 participant-level retirement advice, supported by technology tools and a broad network of over 22,800 advisors.

Ronald Thomas is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery and advanced planning tools, managing approximately $2.74 trillion in client assets.

Huiling Zhang is a financial advisor at Morgan Stanley with a Series 66 credential and one year of experience at the firm. Prior to joining Morgan Stanley in 2025, Zhang was with Zenth View Inc for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools to support clients in developing and implementing financial plans.

Victor Koby is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. His prior work includes tenures at Ameriprise Financial Services and Wells Fargo Clearing. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Steve Statzer is a financial advisor with LPL Financial based in Carlsbad, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior firms include Terramar Wealth, Commonwealth Financial Network, OSAIC, and Sagepoint Financial, where he spent 15 years. He is also co-owner of the Statzer Revocable Living Trust, which is involved in managing residential real estate in Big Bear City, CA. 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 broad range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives and a variety of investment strategies.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of integrated custody, brokerage, and advisory services.

Debra Avina is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated. She is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm integrates proprietary research and model-based asset allocations to tailor client plans and combines institutional trading capabilities with wealth management.

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.