Jack Iler is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His work history includes multiple roles at Charles Schwab since 2021 and prior experience at Vidsig and 925 Junk. He also attended Purdue University from 2018 to 2022. 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 both non-discretionary and discretionary investment options, using multi-asset model portfolios and a combination of advisory, brokerage, custody, and cash-sweep services.

Eduardo Lemus Garcia is a financial advisor with Wells Fargo Clearing in San Diego, CA. He holds the Series 66 designation and has four years of industry experience, including ten years at Merrill prior to joining Wells Fargo. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Nathan Treadwell is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in the La Jolla office. Since joining the firm in 1999, he has partnered with Senior Financial Advisor Christopher Hokokian to provide comprehensive financial guidance. Nathan employs a goals-based approach, developing tailored roadmaps to help clients achieve their unique intermediate and long-term objectives. His expertise spans investment strategies involving ETFs, individual stocks and bonds, mutual funds, managed accounts, alternative investments, and variable annuities, with a focus on wealth accumulation and preservation. Additionally, he offers services in estate planning, life insurance, income replacement, business succession, and long-term care planning. Nathan's client focus includes college education planning, divorce transition planning, executive compensation, services for endowments, foundations, and non-profits, defined benefit plans, managing new wealth, personal retirement, philanthropic planning, portfolio management, and women and wealth. He works with executives and business owners across all stages of the business lifecycle, providing access to Business Finance Specialists and facilitating strategies such as concentrated stock plans, 401k plans, cash management, group benefit plans, financing solutions, company valuations, corporate divestiture, and succession planning. He holds a Bachelor's degree in Business Administration with an emphasis in finance from the University of California, Riverside. Nathan possesses the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Fluent in English and Spanish, he resides in Point Loma with his wife Katie and children Zachary and Mackenzie. Outside of work, Nathan enjoys adventure sports, biking, boating, camping, fishing, hiking, hunting, swimming, traveling, and spending time with his family.

Clinton Curtright is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley and its Private Bank division since 2014, following three years at Callan Capital, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process that uses scenario modeling and firm-approved tools.

Eugene Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Del Mar, California office. He develops investment portfolios for individuals, businesses, and tax-exempt organizations that prefer professional management of their assets. Gene serves a select group of clients, including individuals, families, and organizations with substantial wealth, providing confidential wealth management services that address both short-term and long-term needs. His approach emphasizes a disciplined, coordinated process designed to support informed decision-making while minimizing the influence of emotional factors on investment choices. Gene began his career with Merrill Lynch Wealth Management in April 1988. He holds a Bachelor of Science in Business Administration from Villanova University and has completed coursework at the Donald T. Regan School of Advanced Financial Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations including Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Gene has also served as an officer in the United States Marine Corps and is a frequent lecturer to fellow Merrill Financial Advisors in southern California. He previously held a board member position with Physician Advocates for Veterans. Fluent in English and Spanish, Gene’s professional focus areas include college education planning, family wealth management strategies, tax minimization, retirement income planning, and socially responsible investing, among others. He resides in San Diego with his wife Mary and their children, Patrick and Claire. Outside of work, Gene enjoys baseball, basketball, biking, chess, football, golfing, reading, skiing, traveling, and spending time with his family.

Kendal Glatthorn is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 registrations and bringing nine years of industry experience. Prior to joining UBS in 2021, he worked at Goldman Sachs & Co. from 2015 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, leveraging proprietary research and market insights to tailor solutions for its clients.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at LPL Financial since 2006 and previously spent a year at Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions supported by various proprietary and third-party investment strategies.

Debra Blemker is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with Morgan Stanley since 2009. 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 and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee’s return estimates and Monte Carlo simulations.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Maria Maldonado is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 63 and Series 66 credentials. Her prior roles include positions at J.P. Morgan Securities and Pier 1. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Laurie Burkhardt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Wells Fargo Clearing since 2006, with a four-year period at Morgan Stanley from 2011 to 2015. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Edward Jones and GrantLinkx before joining LPL Financial in 2020. Between 2019 and 2020, he took a year for extended travel. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Richard Clawson is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Wells Fargo Advisors since 2023, following a seven-year period at Wells Fargo Clearing and prior experience at Prudential Equity Group. Outside of his advisory role, Mr. Clawson is involved in investment-related activities through ownership interests in Lone Pine Run Inc. and CCS Capital Management LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and sports & entertainment planning, supported by proprietary research and planning tools.

Lake Lapp is a Series 66-credentialed financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities, where he has worked since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co and Securities America Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, and it offers services supported by affiliates including J.P. Morgan Wealth Management Solutions.

Jheneffer Carleto Borsoi Pacheco is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Her prior work includes roles at Bank of America, Global Financial Impact, and the Federal University of Espirito Santo. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Stephen Lowery is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at JPMorgan Chase Bank, N.A., and served at the YMCA of San Diego County. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Ethan Park is a financial advisor at J.P. Morgan Securities with two years of industry experience and a Series 66 designation. Prior to joining J.P. Morgan, he held positions at Charles Schwab and has involvement in his family’s restaurant business, The Original Pancake House in Fort Collins, where he assists with payroll, hosting, and business decisions related to cash management. J.P. Morgan Securities provides institutional consulting services for plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative research.

Raymundo Catalan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked with J.P. Morgan-affiliated firms since 2019 and previously with Axa from 2016 to 2019. Catalan serves as a board member and Treasurer for the Escondido Chamber of Commerce, a local nonprofit organization. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative screens and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Andrew Axelson is a CFP® professional with 17 years of industry experience, currently serving at Morgan Stanley in San Diego, CA. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, J.P. Morgan Chase Bank, and J.P. Morgan Securities. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and offers diverse investment services including retail and institutional solutions.