Jack Fox is a financial advisor at Ameriprise with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and its affiliated entities from 2021 to 2024. His earlier career includes roles at Bath Fitters, Farm Fresh to You, and running his own business, Jack Fox Forager, from 2003 to 2021. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning and ongoing advice focused on dependable income and tax-efficient withdrawal strategies.

Nicola Vincent is a financial advisor with Mass Mutual Investors Services based in Encinitas, CA. She holds Series 63 and Series 65 licenses and has one year of industry experience. Her prior work includes roles at Northwestern Mutual and VIP Remote Health. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements utilizing firm-approved software and provides specialized programs such as divorce planning and employer-sponsored planning services.

Toby Ferner is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at UBS Financial Services and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets and employing over 14,000 advisors.

Dustin Rief is a Certified Financial Planner (CFP®) with 23 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent time at Mercer Global Advisors Inc. and Mercer Advisors. He is based in San Diego, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through proprietary research and a broad service platform.

Krista Goryl is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She worked at Merrill from 2004 to 2009 before joining Wells Fargo in 2016. Outside of financial advising, she has a 50% ownership interest in a sports company called SECRETS OF SUPERWOMEN, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Karen Lacey is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2000. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Caden Kelley is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, with prior experience at Bank of America NA and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and integrates ESG considerations alongside traditional investment strategies.

Alexander Voils is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 credentials and 18 years of industry experience. He previously worked at Wells Fargo Clearing for nine years and Ameriprise for seven years. 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 clients, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Gregory Overland is a financial advisor with Ameriprise in Solana Beach, CA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he has involvement in multi-family real estate ownership in Panama City, Panama, and Cartagena, Colombia. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools overseen by a dedicated team to deliver tailored retirement income advice.

Chris Jalonen is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., and Sentra Securities Corporation. In addition to his advisory work, he sells life and health insurance to mostly existing clients through a sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with services ranging from comprehensive financial planning to advisor-managed portfolios, emphasizing model-based asset allocation and portfolio optimization.

Harvey Frank is a financial advisor at Stifel with 35 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Paul Lamb is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Essick, Sims, Lamb & Associates team. He focuses on comprehensive wealth planning, employing a long-term outlook that emphasizes tax efficiency and exposure to private markets such as private equity, credit, infrastructure, and real estate when appropriate. He works closely with clients to develop personalized financial strategies designed to pursue their long-term goals. Paul's expertise spans college education planning, family wealth management strategies, legacy planning, philanthropic planning, and socially responsible, values-based, and ESG investing. He holds professional designations including Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Michigan and an MBA from San Diego State University. In addition to his professional work, Paul is involved with the community organization Just In Time For Foster Youth. His personal interests include golfing, ice hockey, pickleball, rock climbing, spending time with his family, traveling, and writing.

Rial Barnett is a Private Wealth Advisor at Merrill Private Wealth Management, specializing in serving ultra-affluent clients. He provides strategic advice and support across areas such as investment management, trust and estate planning, credit and lending services through Bank of America, N.A., and philanthropy. Rial leads the design and implementation of comprehensive wealth strategies, collaborating with external tax and legal advisors as well as Merrill specialists to meet the complex needs of his clients. Rial has been in the financial services industry since 1989 and joined Merrill in 2008. Prior to that, he worked with the Private Client Group at Hambrecht & Quist, J.P. Morgan, and Morgan Stanley. He earned his M.B.A. from Pepperdine University's Graziadio School of Business and holds the Personal Investment Advisor (PIA) designation. Rial is bilingual in Spanish and English. Outside of his professional role, Rial is involved in community service and has served as chair of the board of the REACH Foundation and as a mentor for Teen Challenge Orange County. He resides in Rancho Santa Fe with his wife and daughter. His personal interests include health, travel, cooking, horseback riding, reading, tennis, watching movies, and Formula 1 racing. Rial has been recognized by Forbes on the "Best-in-State Wealth Management Teams" list multiple times as part of the Barnett, Coon, Armitage, Leach & Moore Group.

Robert Crane is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as Secretary of the San Diego Adult Baseball League Charity for Kids, a nonprofit supporting adult baseball and youth sports initiatives in the San Diego area. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers integrated planning and managed-account services with an emphasis on written recommendations across various financial topics.

David Brookes is a financial advisor at Osaic with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Sagepoint Financial, Inc. since 2009 before joining Osaic in 2023. Outside of his advisory role, he owns a sole proprietorship focused on term life insurance and variable annuities. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple managed account options.

Carolyne Morton is a financial advisor at Ameriprise with one year of industry experience. She previously worked at Portofino Beverly Hills for six years and served in the United States Navy for five years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and annual advice.

John Naviaux is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience providing counsel to senior executives, public and private C-suite leaders, entrepreneurs, and families. He specializes in delivering guidance on wealth preservation, accumulation, and distribution, with a focus on navigating large liquidity transactions, personal and professional transitions, and unplanned life events. John applies a personal and thoughtful approach to address his clients' challenges and uncover emerging opportunities. John holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from the University of Arizona and an MBA from the University of Southern California’s Marshall School of Business. He participates in the Merrill Next Generation Leadership Council and the USC Marshall School of Business Alumni Group. Beyond his professional commitments, John is involved with the American Heart Association and Miracle Babies. He enjoys activities such as basketball, football, golfing, tennis, reading, traveling, and spending time with his family.

Patricia Hobanchavez is a financial advisor at Merrill with seven years of industry experience. She holds Series 66 and Series 63 licenses and has been affiliated with Merrill and Bank of America for over three decades. Hobanchavez serves as a board member of the Theater and Arts Foundation of San Diego, also known as La Jolla Playhouse, contributing to governance and community engagement efforts. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Klenske is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and 39 years of industry experience. His prior positions include roles at Sagepoint Financial, OSAIC Services, Wells Fargo Clearing, and Prudential Equity Group. Klenske is also involved in healthcare market activities outside of his advisory work. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Mona Corbett is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Woodbury Financial Services and U.S. Bancorp Advisors. Outside of her advisory work, she is involved in establishing a wellness center called Serenity Ranch and operates a sole proprietorship focused on financial wellness solutions. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by a range of discretionary and third-party manager strategies.