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. He has over 15 years of experience providing financial counsel to senior executives, public and private C-suite leaders, entrepreneurs, and families. His practice focuses on delivering guidance through complex situations including large liquidity transactions, personal and professional transitions, and unplanned life events. John holds multiple 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 is a member of the Merrill Next Generation Leadership Council and the USC Marshall School of Business Alumni Group. In recognition of his expertise, John has been named to the Forbes "Best-in-State Wealth Advisors" list for several years and has also been recognized as one of "America's Top Next-Generation Wealth Advisors" by Forbes. Outside of his professional work, he supports community organizations including the American Heart Association and Miracle Babies. John enjoys basketball, football, golf, tennis, reading, traveling, and spending time with his family.

William Lara is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following a four-year tenure at WELLS FARGO Advisors, LLC and over two decades at Wells Fargo Bank, N.A. Outside of his advisory role, he has ownership interests in rental properties in Hemet, CA, and Cleveland, OH. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Spencer Lewis is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2006. Based in San Diego, CA, he operates within one of the largest independent broker-dealer and investment advisory firms in the nation. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning services, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Matthew Hall is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license. He joined Morgan Stanley in 2025 and has prior experience in vacation rental management and education, having worked at Mission Sands Vacation Rentals and several schools. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Patricia Hobanchavez is a financial advisor with Merrill, holding Series 66 and Series 63 credentials and seven years of industry experience. She has been affiliated with Merrill and Bank of America since the late 1980s. Hobanchavez serves as a board member for the Theater and Arts Foundation of San Diego, also known as La Jolla Playhouse, where she provides strategic oversight and supports community engagement efforts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, combining internal and third-party portfolio management with comprehensive trading and custody support.

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. He previously worked at Sagepoint Financial, Inc. for 10 years before joining LPL Financial in 2019. Outside of his advisory role, he is involved in healthcare markets and operates a business entity related to his investment activities. 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 programs, employing both discretionary and non-discretionary management supported by model portfolios, research, and various investment strategies.

Mona Corbett is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Woodbury Financial Services Inc and Securities America Advisors. Corbett is involved in other business activities including operating a wellness center and providing financial planning and insurance services focused on life, disability, long-term care, and health insurance. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of advisors. The firm offers integrated brokerage and advisory services with portfolio construction that includes a range of asset classes, and it supports various third-party and legacy platform solutions.

Emerald Jimenez is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and three years of industry experience. She has been with LPL Financial since 2017 and previously worked at Victoria's Secret. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management strategies supported by research from LPL and third-party subadvisors.

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.

Reinna Gabriel is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles with Merrill and involvement in athletics and academic activities at Cornell University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Stephen Mcnally is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 66, Series 63, and Series 65 designations. Prior to his current role, he worked at Wells Fargo Bank from 2008 to 2019. 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.

Kyle Hodges is a CFP® professional with 29 years of industry experience, currently serving at LPL Financial and California Bank & Trust since 2015. He holds Series 63 and Series 66 licenses and works in La Jolla, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and proprietary research.

Robert Diehl is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2023. He previously worked at Cetera Advisor Networks LLC for ten years. He is co-owner of two insurance agencies offering Medicare, life, health, dental, vision, disability, and employee benefits products. 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 provides financial planning, advisory programs, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

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.

Pablo Davila is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has worked at LPL Financial since 2018 and has prior experience at Thrivent Financial and Proven Recruiting. Outside of his advisory role, he has worked as a rideshare driver for platforms including Uber and Lyft. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Peter Vignevic is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jesse Gonzales Jr. is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2005. Outside of his advisory role, he is a notary public in San Diego County and works as a sales associate at The Home Depot. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.