Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining LPL Financial in 2020, he spent 24 years at Uboc Investment Services, Inc. Based in San Diego, CA, he operates Roybal Wealth Management in conjunction with his LPL business. 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 both discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Steven Nartker is a CFP® and PFS™ professional with 17 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at firms including Avantax, Cambridge Investment Research, and Cetera. Nartker also maintains a tax preparation and accounting practice in San Diego, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Gloria Ruuspakka is a financial advisor with LPL Financial holding a Series 65 credential and three years of industry experience. She has previously worked with Carson Wealth/Cetera Advisor Networks and was involved with One Extraordinary Marriage before joining LPL Financial. 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 brokerage services supported by various research resources and technology solutions.

Susan Alefi is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors. In addition to her advisory role, she is involved in teaching seminars and owns a tax preparation and accounting business. 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, retirement consulting, and brokerage services with access to proprietary and third-party research and portfolio management solutions.

Jayne Byrne is a CFP® with 41 years of industry experience, currently serving as a financial advisor at LPL Financial. She has worked in the financial services industry since 1985, including over three decades at LPL Financial and prior roles at Cetera Advisor Networks and CWM. In addition to her advisory work, she is involved with Nautica Wealth Advisors, LLC, a business related to her LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by research and technology-driven portfolio management solutions.

Steven Gonzalez is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has worked with LPL Financial and Nautica Wealth Advisors since 2021, having previously been with LPL Financial from 2008 to 2021. 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 services, including model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Union Banc Investment Services for 10 years before joining LPL Financial in 2020. Roybal also manages Roybal Wealth Management as an ancillary business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and retirement plan consulting, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

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.

Michael Lerner is a CFP®-certified financial advisor with 30 years of industry experience, currently affiliated with LPL Financial. His career includes roles at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors, where he has maintained a longstanding connection. In addition to his advisory work, Lerner is a Notary Public. 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. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.