Tanner Carter is a CFP® professional with six years of industry experience, currently with LPL Financial. His prior experience includes roles at City National Bank and RBC Capital Markets, LLC. He is involved with Cowboy Carter LLC and Dividend Capital LLC, two private business entities used for tax and investment purposes. LPL Financial serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Laura Taylor is a CFP® professional with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and Everstead Financial Group, having worked at Cetera Wealth Services, LLC since 2016. Her prior roles include positions at Cetera and Everstead Financial Group. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Michael Gondek is a financial advisor at Charles Schwab with 22 years of industry experience. He holds a Series 66 designation and previously worked at TD Ameritrade for 18 years before joining Charles Schwab. Outside of his advisory role, he is a part owner of Nomad Donuts, a retail cafe in San Diego. 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 multi-asset model portfolios supported by centralized custody and operational infrastructure.

Haris Gailani is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and having five years of industry experience. He previously worked at Wells Fargo in various roles before joining Merrill and Bank of America in 2022. Outside of his advisory work, he is the owner of a rental property. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Evan Angone is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. He previously worked at TD Ameritrade and Family First Life, among other firms, and has experience in both advisory and financial services roles. Outside the financial sector, he has worked in hospitality services at the Beverly Hills Hotel. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its large scale, integrated service model, and a range of advisory, brokerage, and custody solutions.

Kristen Vande Bossche is a CFP® professional affiliated with LPL Financial, with 12 years of industry experience. Her prior roles include seven years at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. She operates a financial planning and wealth management business through an LPL DBA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

Sydney Hays is a financial advisor at Merrill with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Merrill, Sydney worked at Accenture Federal Services and held positions in several organizations including PVH Corp and General Dynamics Information Technology. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Carter is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Carter is also involved with Carter Wealth Advisors LLC, a non-investment-related business entity. 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 representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by extensive research and diverse investment strategies.

Sylvia Geffen is a financial advisor with Wells Fargo Advisors in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Her career includes positions with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. She serves as a trustee for multiple family trusts and is majority owner of a non-investment related business, Gold Pip. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides comprehensive investment and financial planning services to individuals, trusts, and institutions, using Wells Fargo research and planning tools to develop tailored recommendations.

Kenneth Lee is a financial advisor with Ameriprise in Poway, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic automation overseen by internal committees to generate tailored retirement-income recommendations.

Bulent Erol is a financial advisor with Cetera, holding a Series 66 credential and over 13 years of industry experience. His background includes roles at Cetera Wealth Services, HBW Advisory Services, and HBW Securities. Outside of advising, he is a co-author of a book titled *The Informed Fed, A Survival Guide to Federal Employee Benefits* and serves as president and CEO of LHD Insurance & Financial Services, which offers financial services, tax planning, and insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management options, financial planning, and retirement services, with more than $256 billion in assets under management and over 10,000 advisors.

Gregg Schaefer is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tamara Huey is a financial advisor at Ameriprise with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise since 2005, including her current role starting in 2020. Outside of advising, she is involved in independent insurance brokering. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Emily Hughey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Tyler Baugh is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Before joining Morgan Stanley in 2022, he worked in various roles at Target, a community college, The Home Depot, and Cinemark. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client plans and corporate financial planning agreements.

Sean Manatt is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2007. Based in San Diego, CA, he is part of a large network of advisors within the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Xavier Ricart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2023, he spent a decade at Banco Santander Internacional from 2012 to 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm provides a broad range of services including portfolio management, financial planning, and capital markets solutions.

Brian Chan is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with 18 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jack Kilpatrick is a financial advisor with Morgan Stanley in La Jolla, CA. He holds Series 65 and Series 63 licenses and has one year of industry experience, including prior work at Florida Financial Advisors. Outside of advising, he has worked in security at The Library Bar. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and scenario modeling tools, offering services primarily in an advisory capacity.

Marc Rupnow is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade Institutional from 2012 to 2023. Outside of finance, he was involved with Bali Hai Restaurant for a decade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.