Derek Hofeling is a financial advisor with LPL Financial in San Diego, CA. He holds Series 63 and Series 65 designations and has nine years of industry experience. Prior to joining LPL Financial in 2017, he worked at TD Ameritrade for one year. 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 retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Austin White is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior roles include positions at Money Concepts Capital Corp and Vision Solved Wealth Management Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Brian Talgo is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Brooke Duchaney is a financial advisor at LPL Financial with 11 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2014 to 2018. 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 retirement plan consulting, utilizing model portfolios and research from multiple sources.

Timothy Landry is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with East 2 West Properties, LLC and Cal Point Properties, LLC, which provides accommodations for client meetings on the East Coast. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a wide range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research and technology-driven portfolio strategies.

Samuel Castro is a financial advisor at Merrill with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. 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 plans, corporations, and charitable organizations.

Jeffrey Litel is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include eight years at Edward Jones and nearly two decades working with the Yucaipa-Calimesa Joint Unified School District. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Matt Hanhila is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he works with clients to design financial plans that provide a clear understanding of their current financial standing and a roadmap toward their future goals. His approach involves getting to know clients and their families, developing tailored financial plans, and offering ongoing guidance to help achieve those goals. Prior to his current role, Matt served as an Investment Consultant at Fidelity Investments from 2020 to 2021. Before joining Fidelity, he was a Registered Representative at AXA Advisors, L.L.C. from 2018 to 2020. He holds a California Insurance License.

Virginia Stagg is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and with 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Amber Smith is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2021. Outside of her advisory role, she serves on the San Pasqual High School Business Advisory Council and assists as a volleyball coach, organizing sports tournaments. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques, offering a broad range of financial services without providing individual security recommendations as part of standalone planning.

Daniel Cohn is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in the Del Mar San Diego office. He holds the Chartered Retirement Planning Counselor (CRPC) designation and operates within the line of business at Merrill Lynch Wealth Management. Daniel works collaboratively with clients to develop financial plans and investment strategies tailored to their individual goals, providing ongoing advice as their needs evolve. He has a Bachelor's Degree in Mathematical & Computational Science from Stanford University and holds three FINRA/SEC securities licenses. Prior to joining Merrill Lynch, Daniel spent his career on Wall Street in New York, working with wealth management teams, commodities and rates trading desks, and in equity research covering various sectors including Utilities and Clean Energy. His experience informs his approach to helping individuals and families navigate diverse market environments. Daniel's client focus encompasses areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, and sectors like sports and entertainment. Outside of his professional role, he has personal interests in fishing, golfing, pickleball, running, soccer, and tennis.

John Howells IV is a CFP® professional with 42 years of industry experience, currently serving at Equitable Advisors since 2005. His prior experience includes roles at Axa Advisors, LLC and Mony Securities Corporation. Outside of his advisory work, he is an instructor at Mira Costa College and Palomar College and serves as a ward mission leader for the Church of Jesus Christ of Latter-day Saints. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver a broad range of investment solutions.

Dylan Trauger is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Prior to joining Edward Jones in 2023, he served in the United States Navy from 2015 to 2019 and spent several years in full-time education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,000 advisors.

Christopher Cassi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2020. His prior experience includes roles at JPMorgan Chase Bank and Northwestern Mutual Investment Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ryan Wickman is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2007. 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, and retirement plan consulting, providing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Li Tian is a CFP® professional with 13 years of experience in financial advising, currently with LPL Financial. Prior to joining LPL Financial in 2021, Li held roles at Transamerica Financial Advisors and was involved with several organizations including the Palomar College Foundation and Grand Line Consulting. Li is also the author of a memoir titled *Westbound: A Memoir: My Journey from Beijing to New York City*. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and brokerage services supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Charles Brown Jr. is a CFP®-designated financial advisor with 19 years of industry experience, currently with Raymond James & Associates. He previously worked at City National Securities and USAA Financial Advisors Inc. Outside of his advisory role, he is the Owner and CEO of C. Brown Properties LLC, a company involved in acquiring and managing rental properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Alex Gitelson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, City National Bank, and other firms. Outside of financial services, he is the owner of ORQID MANAGEMENT LLC, a holding company for proprietary AI software he developed with a partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

John Prehatny is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. He has worked at LPL Financial since 2019 and previously held roles at Axos Bank and California State University Channel Islands. His experience also includes conducting an independent research project at Cal State Channel Islands and a brief involvement with ThinGap LLC. 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, with both discretionary and non-discretionary management options supported by extensive research and diverse investment strategies.

Giancarla Ferrara is a financial advisor at LPL Financial with 20 years of industry experience. She holds the Series 66 designation and has worked at notable firms including Morgan Stanley, UBS Financial Services, JP Morgan Chase, and RBC Capital Markets. Giancarla is based in Del Mar, CA. LPL Financial is a national firm serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified and alternative investment strategies.