Thomas Stout is a financial advisor at Ameriprise with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Navy Federal Credit Union and affiliated brokerage and asset management firms. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations through a centralized consulting team.

Saba Solomon is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. Prior to joining J.P. Morgan, Solomon worked at UBS Financial Services, First Republic Bank, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Mark Kohn is a financial advisor at LPL Financial with 34 years of industry experience. He holds a Series 63 designation and has worked at Linsco/Private Ledger Corp. since 1997. Outside of advisory work, he is involved in non-variable insurance through his own business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

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, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

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 in San Diego, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. She previously worked at Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad platform of capital markets services.

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 with Charles Schwab, holding Series 66 and Series 63 credentials and six years of industry experience. His work history includes roles at Charles Schwab since 2022, TD Ameritrade from 2020 to 2022, and other diverse positions outside the financial sector. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and provides a broad range of integrated advisory, brokerage, custody, and cash-sweep services.

Douglas Peart is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to support investment decisions while offering a range of financial products through its bank and insurance affiliates.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2019 and previously worked at FSC Securities Corp from 2015 to 2019. Outside of his advisory role, Anderson is owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services, and he is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals and uses a range of portfolio management strategies across multiple custody platforms.

Michael Steelman is a Wealth Management Advisor with over 25 years of experience in investing and wealth management. He works closely with business owners, company founders, senior executives, and their families to pursue their life goals through a purposeful approach to wealth, careers, and legacies. Michael provides oversight of his clients' financial affairs, helping them regain precious time to focus on their personal and professional priorities. He also contributes to investment selection and team oversight within his team and facilitates access to an integrated approach through wealth management, investment banking, commercial banking, and personal banking services at Bank of America. Michael began his career in New York City in 1994, focusing on financial strategies for institutional and high-net-worth individuals, families, and foundations. He also has experience raising capital for hedge fund and private equity firms. He holds the Certified Investment Management Analyst® designation awarded by the Investments & Wealth Institute™ in conjunction with the University of Pennsylvania’s Wharton School and earned a Bachelor's degree in International Business from King's College in Pennsylvania, where he was an Academic-All-American wrestler. He has received national recognition, including being named in Forbes' "Best-In-State Wealth Advisors" list in 2022. Within his community, Michael is a member of the CFO Roundtable and supports First Step House of North County and the Challenged Athletes Foundation. He and his wife Stephanie live in Carlsbad and have three sons and identical-twin daughters. In his free time, Michael enjoys running, surfing, practicing yoga, coaching his children's sports teams, and participates actively in the triathlon community as a two-time Ironman triathlon finisher through both racing and fundraising.

Ryan Locanto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Based in San Diego, CA, he focuses on serving institutional clients. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Erin Johnson is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL Financial, Erin worked at Agia and Valic Financial Advisors. Outside of advising, Erin is involved with GradePoint Insurance Group LLC, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and nonprofits through a national network of representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialized services for institutional clients.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and over 26 years of industry experience. He has been with Equitable Advisors since 2005 and maintains a separate accounting practice through Bandemer Accountancy Corporation, where he serves as owner and president. Bandemer is also involved in community and local governance activities, including serving on the board of directors for the Carlsbad Rotary Foundation and as president of the Bressi Ranch Home Owners Association. 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 third-party programs. The firm uses a hybrid referral and implementation model that incorporates multiple third-party asset managers and offers both advisory and brokerage services.

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 at J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Craig Cohn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 license and bringing 25 years of industry experience. His prior roles include positions at Independent Financial Group, LLC and Commonwealth Financial Network. Outside of his advisory work, he is the sole owner of a business entity, COHN & COMPANY INC., which is non-investment related. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research.