Diane Bienke is a CFP® and Series 66 credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and has previous experience at First Republic Investment Management, Wells Fargo Clearing Services, and Wells Fargo Bank. 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 a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

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.

Frances Pascua serves as the Resident Director and Wealth Management Advisor at Merrill, where she leads the Rancho Bernardo office in San Diego and advises clients as a partner of The Callahan Pascua Group. Since joining Merrill in 2014, she has focused on new client relationships and the implementation of wealth management services. Her areas of expertise include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, tax minimization, and retirement income. Frances holds several professional designations including the Certified Investment Management Analyst® and the Certified Plan Fiduciary Advisor. She earned a Bachelor's degree in Interdisciplinary Studies, majoring in 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 English and maintains active involvement in professional organizations such as serving on the Board of Directors of the Investments & Wealth Institute™ and chairing committees within Merrill's Women's Exchange. In addition to her professional commitments, Frances engages in community and industry leadership through her service on the Investments & Wealth Institute™. In her personal time, she enjoys traveling to learn about diverse cultures, as well as music, scrapbooking, spending time with family, tennis, watching movies, writing, and yoga.

Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

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.

Sandra Bazan is a financial advisor with Merrill in La Jolla, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. She has been with Merrill since 2006. Merrill, together 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 strategies for individuals, high-net-worth clients, and various institutional accounts.

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.

Monique Neal Corotis is a financial advisor at Edward Jones with 15 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. 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 and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Blake Foster is a CFP® with 29 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in managing rental properties in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Karen Mortimer is a financial advisor with Merrill in La Jolla, CA, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been affiliated with Merrill since 2009 and Bank of America since 2011. Outside of her advisory role, Mortimer has been active in the RB Sunrise Rotary, serving in leadership positions including President and Finance Committee Chair. 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, pension plans, corporations, and charitable organizations.

Timothy Gardner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Dean Pfremmer is a financial advisor at Morgan Stanley in San Diego, CA, with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Noelle Ohmann is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held various roles including customer service positions at The Cheesecake Factory and other companies. Outside of her advisory work, she continues to work as a waitress and delivery driver. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a variety of third-party programs. The firm operates a hybrid referral and implementation model, leveraging external asset managers and offering both advisory and brokerage channels.

Stasia Krahling is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Chad Anderson is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. His prior roles include positions at Digital Capital Management, Minnesota Life Insurance Co, and Morgan Stanley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research from LPL Research and third-party subadvisors.

Emmett Lichtenberg is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to help them build and maintain tailored financial plans designed to align with their financial goals. Prior to this, Emmett worked as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. He holds a California Insurance License.

Brian Rissman is a financial advisor at LPL Financial in San Diego, CA, holding a Series 65 designation. He has 17 years of industry experience, including 16 years with US Bank before joining LPL Financial in 2026. 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 model portfolios and research from in-house and third-party sources.

Jacob Yu is a Planning Consultant at Fidelity Investments, where he collaborates with wealth management teams to develop financial plans tailored to clients' goals and needs. He has held several roles within Fidelity Investments since 2020, including Relationship Manager, Central Relationship Manager, High Net Worth Associate, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Associate Banker at Chase from 2019 to 2020. Jacob holds a California Insurance License, supporting his work in financial planning and client services. Outside of his professional responsibilities, he engages in activities such as camping, fitness, golf, skiing, tennis, and participates in social events with friends.