Nathan Fogleman is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at TD Ameritrade Investment Management, LLC, and Td Ameritrade, Inc. before joining Charles Schwab. 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 affiliated discretionary SMAs and offers a multi-asset investment approach supported by centralized operational and custody arrangements.

Nicole White is a financial advisor with Edward Jones in Vista, California. She holds the ChFC® designation and Series 66 license and has eight years of industry experience, all with Edward Jones since 2018. Prior to joining the firm, she took two years away from the industry as a stay-at-home mom. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and affiliated financial services, managing over $1 trillion in assets through a large nationwide advisor and branch network.

Jeffrey Johnson is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Sagepoint Financial, Inc. for 14 years and DePauw Johnson Inc. for 18 years, where he is also the owner providing tax preparation, bookkeeping, payroll, and other business services. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a broad range of brokerage and advisory services with an investment process centered on model-based asset allocation, portfolio optimization, and flexible implementation options through a complex platform supported by multiple affiliates and alternative investment opportunities.

David Saviage is a financial advisor with Thrivent Investment Management in Del Mar, CA, holding Series 63 and Series 66 licenses and bringing 33 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 on the Board of Directors for the Rotary Club of Carlsbad Foundation, which awards scholarships to local students. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach integrates financial planning with managed-account programs under a consolidated billing system, serving clients through its network of financial advisors.

Kenneth Klauber is a financial advisor at Stifel with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2009. His prior experience includes positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Stifel serves a broad client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and planning methodologies.

Scott Tompkins is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers a structured financial planning process supported by firm-approved tools and methodologies.

Kristian Forster is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, U.S. Bank, Wells Fargo, and HSBC Securities. 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 portfolios, third-party asset management, and institutional platforms.

John Tchen is a financial advisor at Morgan Stanley with 30 years of industry experience. He has worked at Morgan Stanley since 2013 and has been involved with Thai Market since 2005. Tchen holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models as part of its advisory process.

Dolly Cooper is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at First Republic Bank for ten years. Cooper is also involved with Llama Haven LLC, a business activity noted in her background. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Brendan White is a CFP® with 17 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked with JPMorgan Chase Bank, Na and its affiliates since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice and customized performance reporting. The firm’s investment process includes centralized due diligence and a combination of quantitative and qualitative research, incorporating an ESG eligibility framework in its recommendations.

Jeffrey Todd is a financial advisor at Raymond James Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Raymond James since 2008, as well as operating Todd Financial Group since 2008. Outside of his advisory work, he assists with a vacation rental business in Carlsbad, California. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as pension plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a broad advisor network.

Griffin Gaughran is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and three years of industry experience. His prior work includes roles at Thrivent Financial and Pacific Dental Services. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers, providing ongoing financial planning, asset management, and educational seminars.

Yoko Wickersham is a CFP® professional with 28 years of industry experience, currently with LPL Financial since 2013. She previously worked at Wells Fargo Clearing for 10 years and Prudential Equity Group, LLC for three years. Outside of advising, she maintains a business managing property rentals. 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 supported by various investment platforms and tools.

Jeffrey Ross is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining Raymond James in 2023, he worked at Transamerica Capital, Inc. for eight years. He is also engaged in a support role at Addison Avenue Investment Services, assisting a financial advisor team. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes non-discretionary planning tailored to client goals and incorporates analytical tools such as risk profiling and probability modeling in its approach.

Jason Egnew is a financial advisor at J.P. Morgan Securities with 13 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley and its affiliated entities before joining J.P. Morgan in 2019. Outside of his advisory role, he serves in the U.S. Army Reserve. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a nondiscretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG criteria, and offers access to broader derivatives and commodities capabilities.

Gregory Ratchuk is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Crowell, Weedon & Co. and A. G. Edwards & Sons, Inc. He also operates a business under the name Ratchuk Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services.

Todd Clark is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has worked at Cambridge since 2010 and previously with OSAIC Services, Inc. and Sunamerica Securities, Inc. He is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Zoran Selakovic is a financial advisor at LPL Financial with 18 years of industry experience. He holds a Series 66 designation and has been associated with LPL Financial since 2008. He currently serves as Treasurer on the board of the nonprofit YACHTAID GLOBAL. LPL Financial is a national broker‑dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Union Banc Investment Services and U.S. Bancorp Advisors before joining LPL Financial in 2020. Roybal also manages a separate investment-related business, Roybal Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management services through a large network of advisory representatives.

Christopher Banta is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several notable firms including Merrill Lynch, Bank of America, and PNC Investments. Prior to his financial career, he worked with the San Diego Unified School District and as a self-employed consultant. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and centralized operational infrastructure.