Tony Krvaric is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and with 28 years of industry experience. He has worked at LPL Financial since 2025, following roles at OSAIC and Woodbury Financial Services, Inc. He also manages Krvaric Capital, his advisory and risk management business founded in 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management, supported by model portfolios and research from multiple sources.

Emily Provino is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked with Lucia Securities, LLC since 2015 and has been with LPL Financial since 2020. Provino is also involved in business development through Lucia Management Company, a business service provider. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and portfolio management services, utilizing both discretionary and non-discretionary approaches supported by internal and third-party research.

Raymond Lucia Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 25 years of industry experience. Prior to joining LPL Financial in 2020, he was involved with several firms bearing his name, including Lucia Capital Management, LLC, and Lucia Wealth Management, LLC. He hosts a podcast titled Vaulted Views, which he started in 2024. 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, retirement plan consulting, and brokerage services, featuring both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Thomas Wyckoff is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and CFA® designations and the Series 66 license. He has 15 years of industry experience, including prior roles at Validus Growth Investors, Pinhook Capital, and Lucia Securities. Wyckoff is involved in investment-related business activities through affiliated entities connected to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, with access to model portfolios, third-party research, and technology-based investment solutions.

Ronnie Sanchez is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC from 2011 to 2020. Sanchez is also involved with Lucia Capital Group, an investment-related business connected to his LPL activities. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.

Patrick Klacka is a financial advisor with LPL Financial based in San Diego, CA. He holds the CFP® designation and has nine years of industry experience. Prior to joining LPL Financial in 2024, he worked at Graham Investment Management Inc. and operated as a self-employed advisor. Outside of advising, he is involved in several non-investment-related business ventures, including Thoroughfare Logistics LLC and auto maintenance companies in San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, and retirement consulting through a national network of investment adviser representatives.

Brian Rissman is a financial advisor at LPL Financial in San Diego, CA, holding a Series 65 designation. He has 17 years of industry experience, including 16 years with US Bank before joining LPL Financial in 2026. 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 brokerage services, utilizing model portfolios and research from in-house and third-party sources.

Darren Poland is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Lucia Securities, VO Engineering, Trinity Geotechnical Engineering, and San Diego State University. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

Ian Lucas is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 designation and 18 years of industry experience. He previously worked at Graham Investment Management, Inc. for 13 years and has been involved with Vx Logistics LLC since 2020. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Richard Plum is a Certified Financial Planner (CFP®) with 37 years of industry experience. He is currently affiliated with LPL Financial and has held roles at Lucia Securities, RJL Wealth Management, and operates Richard Plum Insurance. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a broad network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Rashard Cook is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked with Rjl Wealth Management and Lucia Securities prior to joining LPL Financial. Outside of his advisory work, he serves as an assistant football coach in Chula Vista, CA. 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 representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by extensive research and model portfolios.

John Prokos Jr. is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been affiliated with LPL Financial since 2020 and has concurrently maintained roles at Lucia Securities, LLC and RJL Wealth Management, LLC. He has also been involved with SOKORP since 1989. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and technology-driven strategies.

Lance Peters is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He has worked at LPL Financial since 2018 and is also associated with Lucia Capital Group. 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 services, including discretionary and non-discretionary portfolio management, supported by research from LPL and third-party subadvisors.

Wade Shumway is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior work includes five years at National Planning Corporation and multiple tenures with LPL Financial beginning in 2017. He is also involved with Lucia Capital Group, which operates as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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, research from LPL Research and third-party subadvisors, and advanced portfolio management techniques.

Joseph Gompers is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. He previously worked at New York Life Insurance Company and Carofin, and was a full-time student from 2012 to 2020. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Graydan Smith is a financial advisor with LPL Financial, holding a Series 66 credential and six years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America, Merrill, and Domas Capital Group. His background also includes experience at California Polytechnic State University and the San Luis Obispo Country Club. 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 provides a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Christopher Lloyd is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and ChFC® designations and possessing 27 years of industry experience. His prior roles include positions at Lucia Securities LLC and Planner Resource Group, LLC, along with managing his own consulting and capital group businesses. Lloyd operates an insurance agency as part of his other business activities. LPL Financial serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides various management approaches, model portfolios, and technology-driven solutions to support diversified investment strategies.

Jill Lukehart is a financial advisor with LPL Financial who holds a Series 63 designation and has 37 years of industry experience. She previously worked at RJL Wealth Management, LLC and Lucia Securities, LLC for eight years each before joining LPL Financial in 2020. 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. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Kristian Forster is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at U.S. Bancorp Advisors, U.S. Bank, and Wells Fargo in various capacities. Outside of his advisory role, he is a co-owner of an LLC that manages a short-term rental property used as a family vacation home. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Garrett Ringlever is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 licenses and two years of industry experience. His prior work includes roles at Primerica Advisors, Primerica Financial Services, and QualiCare. Garrett is also involved in non-investment related work with QualiCare. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting, supported by research and model portfolios, along with a range of non-advisory financial products.

Preston Schumacher is a CFP® and ChFC® with 21 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. He has worked at LPL Financial since 2020 and concurrently with Lucia Securities, LLC and Lucia Capital Group since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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, supported by research and model portfolios.

Tiy Oneal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 33 years of industry experience. Prior to joining LPL Financial in 2020, Tiy worked at Lucia Securities, LLC for five years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with investment options supported by research from both internal and third-party sources.

Raymond Seifritz is a financial advisor with LPL Financial in San Diego, holding ChFC® and Series 66 designations and possessing 17 years of industry experience. He previously worked at Advisor Group for 10 years and OSAIC for one year before joining LPL Financial in 2024. Outside of his advisory role, he is a FINRA arbitrator and owns a technology and software consulting business. 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, combining proprietary and third-party research with discretionary and non-discretionary management.

Ara Freedman is a financial advisor with LPL Financial who holds a Series 66 credential and has 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jonathan Savona is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Lucia Securities, LLC and Lucia Capital Group for nearly a decade before joining LPL Financial in 2020. Outside of his advisory role, he is involved with Westland Financial as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Janean Stripe is a CFP® certificant with 37 years of experience in the financial services industry. She has worked at LPL Financial since 2020 and previously spent nine years at Lucia Securities, LLC. Janean also maintains a role at RJL Wealth Management, LLC, where she has been active since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. She previously worked at Lucia Securities for eight years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Carie Phelps Estrada is a financial advisor at LPL Financial with 24 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Securities Equity Group and J2X Legacy Advisors. Outside of her advisory work, she serves as president of Phelps Farms, Inc. and is involved in several business ventures such as Gypsy Road Holdings, LLC. 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 consulting, utilizing model portfolios, third-party subadvisors, and various portfolio management tools.

Scot Fairchild is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial since 2020. His prior experience includes roles at RJL Wealth Management and Lucia Securities, and he has operated Success Financial Advisors since 1996. Outside of investment advisory, he is involved in tax preparation and accounting services through Success Financial Advisors and holds a role in Montecito Venture Partners. LPL Financial is a registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations through a national network of advisers. The firm offers various advisory programs, retirement consulting, and brokerage services, with access to model portfolios and research from multiple sources.