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.

Steven Richards is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 63 designation and bringing 40 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for 26 years. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory services with technology and operational tools across a broad network of more than 22,800 advisors.

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.

Gino Russo is a financial advisor with Mass Mutual Investors Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. His prior work includes positions at Northwestern Mutual and Adifo UCAP. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars. The firm structures financial planning as ongoing, collaborative relationships focused on goal analysis and written recommendations.

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.

Peter Savarese is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade Inc. from 2013 to 2024. Savarese is based in Escondido, CA. 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 offers both non-discretionary and discretionary investment solutions, employing multi-asset model portfolios and centralized operational support.

John Condos is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory role, he acts as a trustee and successor trustee for investment-related trusts. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that combine advisory and brokerage capabilities.

Ron Roff is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Charles Schwab since 2009 and also works with Charles Schwab Bank since 2011. 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 provides custodial, brokerage, and cash-sweep services within an integrated operational structure.

Christopher Carpou is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with a team of investment professionals to deliver financial strategies and advice for high net worth clients, focusing on fixed income portfolio management. Mr. Carpou began his career in the investment business 41 years ago, specializing in public finance and fixed income markets. He established the first municipal trading desk in California for Morgan Stanley and later served as Managing Director and Senior Municipal Bond Trader for Bank of America, where he was responsible for underwriting, trading, marketing, and portfolio structuring of municipal securities. His experience includes working with institutional and high net-worth retail investors as well as issuers of municipal debt at various government levels. Mr. Carpou earned a Bachelor of Science degree in Economics from San Diego State University and holds Series 7, 52, 53, 63, and 65 FINRA registrations. In addition to his professional work, Christopher Carpou has served on the Board of Directors of Options House, a nonprofit shelter for runaway and abused teens, and as President of the Los Angeles Municipal Bond Club. He is actively involved as a volunteer with his local Little League. His personal interests include baseball, biking, football, gardening, golfing, hiking, reading, scuba diving, swimming, and spending time with his family.

Nolen Quick is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 designations and 18 years of industry experience. He has worked with Wells Fargo entities since 2010. Outside of his advisory role, he serves as trustee for family trusts related to his deceased mother and his brother. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets and offering both brokerage and advisory solutions.

Christopher Jette is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 13 years. Outside of his advisory role, he has a part ownership interest in a rental property in Escondido, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Daniel Logan is a financial advisor with Raymond James Financial holding a Series 66 designation and three years of industry experience. He has held roles at Logan and Reed Wealth Partners and Raymond James Financial and is also a professional lacrosse player in the National and Premier Lacrosse Leagues. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

Suzanne Latour is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She worked at Merrill from 2009 to 2017 before joining Raymond James, where she has been since 2017. Outside of her advisory role, she is the CEO and sole owner of GolfTEC San Diego. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities with a range of financial planning and consulting services, offering both discretionary and non-discretionary solutions supported by extensive research and a broad network of affiliated managers.

Thomas Kaplan is a Financial Consultant currently with Fidelity Investments, where he has been since 2023, progressing from the role of Investment Consultant to Financial Consultant in 2024. Prior to this, he worked as a Financial Consultant at E*TRADE from Morgan Stanley between 2019 and 2023, and as a Financial Advisor at Baystate Financial from 2018 to 2019. Thomas' professional approach focuses on partnership, aiming to help clients connect their financial decisions to their life goals. He works collaboratively with clients to create customized wealth strategies that evolve as their circumstances change, providing ongoing support to help clients and their families navigate the future with confidence. He holds a California Insurance License. Outside of his professional work, Thomas is interested in family activities, exploring food, golf, scuba diving, tennis, and traveling.

Eric Cooper is a financial advisor with Edward Jones in Oceanside, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked in various roles across staffing, healthcare, and local government sectors. He serves as a board member for the Tri-City Hospital Foundation, a nonprofit organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a national network of financial advisors and branch offices. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Laudente Gallegos III is a CFP® certificant with six years of experience in financial advising, currently serving at Edward Jones since 2018. Prior to his role at Edward Jones, he worked at Morgan Run Country Club and also operated as a rideshare driver for Uber and Lyft. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds.

Julia De Loach is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at AllianceBernstein and Bernstein Private Wealth Management prior to joining J.P. Morgan in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research and integrates an ESG eligibility framework in its recommendations.