Danielle May is a financial advisor at OSAIC in San Diego, CA, with nine years of industry experience. She holds Series 65 and Series 63 designations and has previously worked at Brio Financial Group and TD Ameritrade. OSAIC serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm employs a model-based investment approach with tools such as risk-tolerance questionnaires and portfolio optimization, supporting multiple advisory strategies and third-party manager selections.

Nathan Treadwell is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in the La Jolla office. Since joining the firm in 1999, he has partnered with Senior Financial Advisor Christopher Hokokian to provide comprehensive financial guidance. Nathan employs a goals-based approach, developing tailored roadmaps to help clients achieve their unique intermediate and long-term objectives. His expertise spans investment strategies involving ETFs, individual stocks and bonds, mutual funds, managed accounts, alternative investments, and variable annuities, with a focus on wealth accumulation and preservation. Additionally, he offers services in estate planning, life insurance, income replacement, business succession, and long-term care planning. Nathan's client focus includes college education planning, divorce transition planning, executive compensation, services for endowments, foundations, and non-profits, defined benefit plans, managing new wealth, personal retirement, philanthropic planning, portfolio management, and women and wealth. He works with executives and business owners across all stages of the business lifecycle, providing access to Business Finance Specialists and facilitating strategies such as concentrated stock plans, 401k plans, cash management, group benefit plans, financing solutions, company valuations, corporate divestiture, and succession planning. He holds a Bachelor's degree in Business Administration with an emphasis in finance from the University of California, Riverside. Nathan possesses the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Fluent in English and Spanish, he resides in Point Loma with his wife Katie and children Zachary and Mackenzie. Outside of work, Nathan enjoys adventure sports, biking, boating, camping, fishing, hiking, hunting, swimming, traveling, and spending time with his family.

Clinton Curtright is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley and its Private Bank division since 2014, following three years at Callan Capital, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process that uses scenario modeling and firm-approved tools.

Don Adrian Ventura is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc., Independent Capital Management, and Ameriprise. He is also involved with Independent Capital Management, Inc. in a non-variable insurance capacity. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and a broad suite of financial products.

Armand Bryant is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Scottrade, Bank of America, and Merrill. 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 offers a multi-asset investment approach supported by centralized custody and due diligence on alternative investments.

Paul Neves is a financial advisor with LPL Financial based in San Diego, CA. He holds the CFP® and ChFC® designations and has 36 years of industry experience. Prior to joining LPL Financial in 2024, he worked with Securities America Advisors Inc. and Financial Strategies And Insurance Inc. He is involved in a wealth management business under FSI Wealth Management. 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 a wide range of investment strategies and tools.

Aaron Curtis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2026. He began his career at Fidelity Investments in 2021, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his role, Aaron partners with individuals and families to develop comprehensive financial plans by assessing current financial situations and future goals. He holds a California Insurance License. Outside of his professional work, Aaron's personal interests include golf, pets, reading, skiing, surfing, and table tennis.

Luis Izaguirre is a financial advisor at UBS Financial Services with 24 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at LPL Financial since 2006 and previously spent a year at Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions supported by various proprietary and third-party investment strategies.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

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.

Maria Maldonado is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 63 and Series 66 credentials. Her prior roles include positions at J.P. Morgan Securities and Pier 1. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Laurie Burkhardt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Wells Fargo Clearing since 2006, with a four-year period at Morgan Stanley from 2011 to 2015. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Brian Dawidowicz is a CFP® and ChFC® with 24 years of industry experience. He has been with OSAIC since 2004 and also conducts independent insurance sales. In addition to his advisory work, he engages in tax preparation services and owns a small business focused on financial planning administration. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple strategy options delivered through an extensive multi-advisor platform.

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.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Edward Jones and GrantLinkx before joining LPL Financial in 2020. Between 2019 and 2020, he took a year for extended travel. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Matthew Carmichael is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life Insurance Company and Eagle Strategies LLC. Carmichael serves as a board member of Operation Amped, a nonprofit that teaches surfing to wounded veterans. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, 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 risk-tolerance assessments and various managed account strategies.

Lake Lapp is a Series 66-credentialed financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities, where he has worked since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co and Securities America Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, and it offers services supported by affiliates including J.P. Morgan Wealth Management Solutions.

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.