Hayley Beard is a CFP® with 18 years of industry experience and has been with Edward Jones since 2015. She holds the Series 63 and Series 66 licenses and is based in Coronado, 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 and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Danielle Ferrer is a financial advisor with Raymond James & Associates in San Diego, CA. She holds a Series 66 designation and has 12 years of industry experience, including 11 years with Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, charities, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Susan Boas is a financial advisor at Merrill with 30 years of industry experience. She has held her position at Merrill since 2007 and holds Series 63 and Series 65 designations. 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.

David Hankin is a CFP®-designated financial advisor with 31 years of industry experience. He is currently with Cetera, where he has worked since 2013, including time at Cetera Advisors LLC. Outside of his advisory role, he serves as a committee member for the Willow Creek Homeowners Association, reviewing property improvement applications to ensure compliance with guidelines. Cetera Investment Advisers LLC is an SEC-registered adviser supporting individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Helena Xu is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She has been with UBS Financial Services since 2010. Outside of her advisory role, she is involved with the San Diego Women's Foundation in community service. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Karla Camarena Villarreal is a financial advisor with Merrill in San Diego, CA, holding a Series 66 credential and 18 years of industry experience. She has worked at Merrill since 2019 and previously spent five years at RBC Capital Markets. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Diana Canales is a financial advisor at Edward Jones with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank NA and JP Morgan Securities LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christoph Scholz is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Planning Consultant, Relationship Manager, and Financial Representative at Fidelity Investments between 2021 and 2024. His earlier experience includes positions as a Service Support staff member at Citizens Business Bank and Lead Teller at Wells Fargo. In his current role, Christoph works with clients to support them in pursuing their financial goals by utilizing Fidelity's resources and tools. He emphasizes a flexible, professional, knowledgeable, and relationship-focused approach to financial planning. Christoph holds a California Insurance License. Outside of his professional career, Christoph has interests in baseball, cars, football, social events with friends, skiing, and traveling.

Nils Clark is a Certified Financial Planner (CFP®) and holds a Series 66 license with 25 years of industry experience. He has been with UBS Financial Services in San Diego since 2015. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and delivers advisory services supported by proprietary research and model-based asset allocations.

Steven Davis is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. His prior roles include seven years with Morgan Stanley DW Inc. and seven years at Independent Financial Partners. 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 provides a range of advisory and brokerage services supported by technology and research, overseeing over $819 billion in discretionary assets through a large network of advisors.

Adrian Prado is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Cetera, he worked at Planmember Securities Corporation for eight years. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, retirement plan, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to various third-party money managers and program platforms.

Robert Shultz is a financial advisor at Edward Jones with 17 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

James Froman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at LPL Financial since 2007 and previously held roles at Use Credit Union, SeCU Brokerage Services, Citicorp Investment Services, and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Matthew Stratton is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019 and previously worked at Business Acceleration Strategies and Movement Mortgage. Stratton registered a sole proprietorship intended for a vlogging/blogging business, which is currently dormant. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices nationwide.

Peter Bell Jr. is a CFP® certificant with 33 years of experience in financial advising, currently with Cambridge Investment Research Advisors. His prior roles include positions at Cetera and LPL Financial. He also serves as an agent at The Katz Nassau Agency, Inc., a business focused on insurance, benefits, and human resources. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, utilizing a variety of portfolio management approaches and platform arrangements.

Lorenzo Lucas is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Pyramid3 Enterprises LLC, Union Bank, and Wells Fargo. 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 applying an ESG eligibility framework in its recommendations.

Anthony Ricci is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Sagepoint Financial and American General Securities. Ricci also serves as a licensed non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its network of advisors with diverse investment strategies, including model portfolios and third-party management, and provides various financial solutions such as insurance, credit products, and institutional platforms.

Clare Truong is a financial advisor with Thrivent Investment Management based in San Diego, CA. She holds a Series 66 designation and has 12 years of industry experience. Clare has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping the services separate.

James Farley is a Series 66 licensed financial advisor with 20 years of industry experience. He has worked at Cetera since 2014 and was previously with Legend Equities Corporation from 2015 to 2019. He is currently based in San Diego, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Kylie Cusick is a CFP® and holds a Series 66 license, with eight years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously was employed at Banco Falabella from 2015 to 2017. Outside of her advisory role, she serves as a board administrator for the Fresh Start Surgical Gift Foundation in Carlsbad, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.