Jerel Custodio is a Planning Consultant at Fidelity Investments, a position he has held since 2021. He works closely with clients to educate them on current financial topics. Prior to his current role, Jerel served as a Relationship Manager at Fidelity Investments from 2020 to 2021 and as a Financial Representative from 2016 to 2020. Jerel holds a California Insurance License. Outside of his professional career, he has personal interests in comedy, outdoor adventures, and traveling.

Bruce Treitman is a financial advisor with Raymond James & Associates in Rancho Santa Fe, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and charitable organizations. The firm provides financial planning, investment consulting, and institutional fiduciary solutions, with an emphasis on tailored, non-discretionary advisory relationships supported by a broad range of portfolio management styles and affiliated research.

Christopher Wells is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 30 years of industry experience, including seven years at Commonwealth Financial Network prior to joining LPL Financial. His other business activities include involvement with AZCA Financial Group LLC, an entity related to his LPL business. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Dale Maas is a Series 66 licensed financial advisor with Edward Jones, based in Oceanside, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is involved as a manager in real estate investment ventures, including a partnership focused on property development in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Denise Long is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. She has worked at J.P. Morgan Securities since 2016, following prior roles at Credit Suisse Securities, Merrill, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and may include ESG criteria in its recommendations.

Somsack Sayvong is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses with 13 years of industry experience. He worked at First Allied Securities, Inc. for 21 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and extensive asset management services.

Lesandro Mena is a financial advisor at Charles Schwab with 19 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Charles Schwab & Co., Inc. serves a large client base, mainly 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 blend of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and an established alternative investments program.

Elena Navedo Alvarez is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Caixabank S.A., J.P. Morgan Securities, and Bank of America. 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.

Lauren Truman is a Series 66 licensed financial advisor with eight years of industry experience. She has worked at UBS Financial Services since 2022 and previously spent six years at Merrill Lynch. Outside of her advisory role, she is a consultant for Elepreneurs, a supplement-related LLC. UBS Financial Services Inc. provides brokerage and advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and capital markets solutions through a platform that integrates proprietary research and institutional trading capabilities.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Fawn Westlund is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years before joining Wells Fargo Clearing in 2023. 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, including insurance-related vehicles and bank deposit sweep programs.

John Choi is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including LPL Financial, East West Bank, and National Planning Corporation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe. The firm is notable for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and use of AI and algorithmic methods in research.

Benjamin Duckett is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Additionally, he has service experience with the Department of Defense dating back to 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning and a wide array of advisory programs supported by structured planning tools and investment research.

Trisha Sinouanthavysouk is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, NA, and UnionBanc Investment Services, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes centralized due diligence and may incorporate ESG criteria, supported by affiliates for implementation and portfolio services.

Michael Killeen is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009. He also serves as a trustee and co-trustee for investment-related trusts in California and Florida. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Richard Hachigian is a Series 66 licensed financial advisor with 11 years of industry experience. He is currently with LPL Financial, where he has worked since 2022, and previously spent seven years at Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, including access to third-party asset managers and institutional platforms.

Justine Girard is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 43 years of industry experience. Her prior work includes positions at A. G. Edwards & Sons, Inc. and UBS Financial Services. She also serves as a trustee for family investment trusts. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide its investment approach and offers a broad range of brokerage and advisory solutions.

Michael Ortiz is a CFP® professional with 10 years of experience at Edward Jones, where he has worked since 2016. He holds a Series 66 license and operates out of San Diego, CA. 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 under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Christine Wale is a financial advisor with LPL Financial in Carlsbad, California, holding a Series 66 designation and 6 years of industry experience. She has worked with LPL Financial since 2014 and also operates Wale Advisory Group Inc, which has been active since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and model portfolio programs. The firm supports its network of advisors with various investment tools and platforms, overseeing over $819 billion in discretionary assets.

Deborah Severn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and 20 years of industry experience. Her prior work includes roles at The Murray Hougen Group, Waddell & Reed, and Cetera Wealth Services. She is also involved with InVision Wealth, an investment-related business associated with her LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools and a broad platform of products.