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 with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2019. Outside of advisory services, she is involved in real estate rental activities in the San Diego area. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with solutions implemented through a large network of investment adviser representatives.

Geojoe Thomas is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch/Bank of America since 2011, based in San Diego, CA. 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 and profit-sharing plans, corporations, and charitable organizations.

James Duncan is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at Bank of America, U.S. Bank, and Wells Fargo. Duncan serves as co-trustee on a family trust. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Anthony Law is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley, Charles Schwab, TD Ameritrade, and Premier Wealth Advisors, as well as experience outside finance at Cambridge University Press and Fordham University. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

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 at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Raymond James Financial and The Financial Planning Company. Outside of his advisory role, he serves as a middle school soccer coach for the Coronado Unified School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning and investment management solutions for individuals, retirement plan participants, and institutions.

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 CFP®-designated financial advisor with J.P. Morgan Securities, based in San Diego, CA, with 12 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and at JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he engages in e-commerce by selling a personal collection of trading cards. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing quantitative asset-allocation modeling and centralized due diligence. The firm delivers services on a non-discretionary basis through a select group of Wealth Advisors and incorporates an ESG eligibility framework in its investment recommendations.

Jose Hernandez Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank since 2015. Outside of advising, he manages rental properties in the San Diego area. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a broad range of retail and institutional investment offerings.

Matthias Jimenez is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. He is based in Coronado, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling paired with centralized due diligence and applies an ESG eligibility framework in its recommendations.

David Smith is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch for the past 15 years. Merrill, along 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.