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.

Steven Gonzalez is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has worked with LPL Financial and Nautica Wealth Advisors since 2021, having previously been with LPL Financial from 2008 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

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 OSAIC since 2023. Prior to that, he spent 14 years at Sagepoint Financial, Inc. and has been involved with DePauw Johnson Inc. since 2008, where he provides tax preparation, bookkeeping, and payroll services. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services utilizing various platforms and third-party resources to construct portfolios managed on discretionary or non-discretionary bases.

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 43 years of industry experience. He has held the Series 63 and Series 66 licenses and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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.

Devon Buenrostro is a Financial Advisor at Merrill Lynch Wealth Management. He has been a part of the Mohler Polo Mofty Group since 2021, where he assists clients with cash management, wealth strategies, and personalized financial services to simplify their financial lives. Devon holds dual bachelor's degrees in Accounting and Business Administration with a concentration in Finance from Chapman University, earned in 2020. He has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA), which support his professional expertise. Originally from Northern California, Devon currently resides in Pacific Beach. Outside of his professional role, he enjoys staying active and running along the boardwalk.

Kristian Forster is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at U.S. Bancorp Advisors, U.S. Bank, and Wells Fargo in various capacities. Outside of his advisory role, he is a co-owner of an LLC that manages a short-term rental property used as a family vacation home. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

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, an activity outside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Brendan White is a CFP® with 16 years of experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his advisory role, he owns a rental property in Baja California, Mexico. J.P. Morgan Securities provides institutional consulting services to clients such as 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

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®-certified financial advisor with 28 years of industry experience, currently serving clients at LPL Financial since 2013. Based in Escondido, CA, she holds Series 63 and Series 66 licenses. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers discretionary and non-discretionary management, model portfolios, and research from multiple sources, along with specialized programs for institutional clients.

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 12 years of industry experience. He holds a Series 66 designation and has prior experience at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, Egnew serves in the U.S. Army Reserve. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary recommendations supported by a centralized due-diligence framework.

Gregory Ratchuk is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 48 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Todd Clark is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and with 30 years of industry experience. He has been with Cambridge Investment Research, Inc. since 2010 and is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Union Banc Investment Services for 10 years before joining LPL Financial in 2020. Roybal also manages Roybal Wealth Management as an ancillary business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.