Don Adrian Ventura is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 22 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 13 years and has been involved with Independent Capital Management since 2004, where he also engages in non-variable insurance-related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Armand Bryant is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Scottrade, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and due diligence on alternative investments.

Paul Neves is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 36 years of industry experience. His career includes long-term roles at Financial Strategies And Insurance Inc and Securities America Advisors Inc. 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 and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Aaron Curtis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2026. He began his career at Fidelity Investments in 2021, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his role, Aaron partners with individuals and families to develop comprehensive financial plans by assessing current financial situations and future goals. He holds a California Insurance License. Outside of his professional work, Aaron's personal interests include golf, pets, reading, skiing, surfing, and table tennis.

Luis Izaguirre is a financial advisor at UBS Financial Services with 24 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Courtney Allen is a financial advisor with RBC Capital Markets in San Diego, holding Series 63 and Series 66 designations and 16 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients’ advisory risk profiles using a combination of in-house and third-party managers, with options for tax management and responsible-investing screens.

Brian Dawidowicz is a financial advisor with OSAIC in La Mesa, CA, holding the CFP® and ChFC® designations and bringing 24 years of industry experience. He has been with OSAIC since 2004 and also operates a sole proprietorship focused on life and fixed annuity insurance products and personal income tax preparation. Dawidowicz is president and owner of ThruLine Planning, an S-Corp engaged in small business administration activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm uses various asset allocation and portfolio construction tools, supporting both discretionary and non-discretionary management with access to third-party money managers and wrap programs.

Gordon Sinkoff is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 46 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Lake Lapp 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 J.P. Morgan Securities and JPMC Bank NA since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co., Securities America Inc., Advisor Group, Inc., and North Star Financial Partners. He also has a background at Creighton University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services through its Institutional Consulting Services program on a non-discretionary basis.

Nicolas Amodeo is a financial advisor with Cetera holding a Series 66 designation and has been in the industry since 2026. His prior work includes roles at Northwestern Mutual and various educational institutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and investment strategies.

Miryana Trgo is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Inc. from 2015 to 2019. Outside of advisory work, she is involved in real estate rental activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

James Duncan is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bank of America, U.S. Bank, and various Wells Fargo entities. He also serves as a co-trustee on a family trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies across a broad client base, including individuals, high-net-worth clients, and institutional investors.

Vincent Rodriguez is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 credential and previously worked at Stifel for six years before joining Fidelity Investments in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe, and it serves in formal advisory roles for multiple registered funds.

Zachary Macdougall is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. He has worked at firms including Minnesota Life Insurance Company and Securian Financial Services, and currently owns MacDougall Financial Planning Corp. Additionally, he serves as a financial professional for North Star Resource Group and has experience as an agent/broker for North Star Consultants. Cetera Investment Advisers LLC is a nationwide firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Jeffrey Dockan is a financial advisor at Cetera with 27 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior work history includes positions at UnionBanc Investment Services and several Cetera-affiliated entities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Shaun Alzate is a financial advisor at RBC Capital Markets with seven years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, LPL Financial, Wayne Hummer Investments L.L.C., and RSM Insurance Agency Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles through a combination of in-house and third-party investment managers.

Joe Woods II is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Raymond James Financial and The Financial Planning Company, as well as founding Woods Inc. Outside of his advisory work, he coaches middle school soccer for the Coronado Unified School District. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through numerous advisory programs and consulting services.

Kha Tran is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at Charles Schwab and its affiliates since 2022 and previously spent 15 years at TD AMERITRADE Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory models with access to discretionary separate managed accounts and maintains a centralized operational platform for custody, order routing, and alternative investment due diligence.

Jonathan Mendoza is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2013 and concurrently associated with JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, Mendoza operates an e-commerce business selling a personal collection of trading cards. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.