Kathryn Gaggi is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2011. J.P. Morgan Securities LLC 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 brokerage and investment management capabilities.

Michelle Gonzalez is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing for ten years prior to joining J.P. Morgan in 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Robert Diehl is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. He previously worked for Cetera Advisor Networks and Cetera Wealth Services for over two decades. Diehl is co-owner of two insurance agencies specializing in Medicare and various life and health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment programs and platforms, combining advisory services with a broad suite of non-advisory financial products.

Miguel Herrera Fraga is a financial advisor at Charles Schwab with a Series 66 designation and recent entry into the industry. Prior to joining Schwab, his background includes roles at Vuori and involvement with Surfboardbroker Inc, alongside several years engaged in full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm provides a mix of non-discretionary and discretionary investment management using multi-asset model portfolios and offers a distinctive integrated operational structure.

Pablo Davila is a Series 66 licensed financial advisor with nine years of industry experience, currently serving clients at LPL Financial since 2018. His prior work experience includes roles at Uber, Proven Recruiting, and Thrivent Financial. Outside of his advisory role, he has participated in rideshare driving for Lyft and Uber. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions delivered through a large network of investment adviser representatives.

Kim Collins is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked previously at RBC Capital Markets and Wells Fargo in various capacities. Outside of his advisory role, Collins co-owns a commercial real estate business with his spouse. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed and implemented by internal teams and third-party managers.

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.

Kenneth Wong is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Securities America. Outside of his advisory role, he is the president of Resource One, a sole proprietorship offering life and health insurance along with financial advice and planning services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct portfolios that suit various client needs.

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.

Iris Marcovich is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 license and 11 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following several years at BBVA-affiliated firms. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, with a wide range of investment and advisory services.

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.

Alin Goryoka is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, and Merrill. J.P. Morgan Securities LLC 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Juan Gomez is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and four years of industry experience. His career includes prior roles at Stifel, UBS Financial Services, Shulson Collective, and Bank of America Merrill Lynch. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual engagements and corporate financial planning agreements.

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.

Kaleb Nortridge is a financial advisor with LPL Financial in San Diego, holding Series 63 and Series 65 licenses and two years of industry experience. Before joining LPL Financial in 2025, he was with Equitable Advisors for one year and has a background including roles in hospitality and real estate. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

James D'Alessio is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 1991, he has developed a client-centered approach focused on building lasting relationships and helping clients navigate the complexities of investing and wealth management. He works with a diverse client base including high net worth individuals, business owners, and non-business owners, offering expertise in retirement planning, investment strategies, liability and credit management, wealth accumulation, and estate transfer. James holds a Bachelor's degree in Finance from San Diego State University and has earned professional designations including Chartered Financial Consultant® (ChFC®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His practice emphasizes understanding clients' unique financial needs and goals, incorporating the emotional aspects of financial decision-making, and providing diversified solutions that align with risk tolerance and expectations. Communication and trust are central to his approach, aiming to deliver personalized and transparent financial guidance. Outside of his professional role, James enjoys spending time outdoors and with family. His personal interests include playing the saxophone, football, golfing, billiards, camping, hiking, and music. He lives in San Diego with his wife Lisa and their three children.

Scott Ida is a financial advisor with OSAIC based in La Jolla, CA, holding Series 63 and Series 65 credentials and having 22 years of industry experience. He worked at Lincoln Financial Advisors for 19 years prior to joining OSAIC in 2025. In addition to his advisory role, he is licensed as an insurance agent offering accident and health, disability, traditional life insurance, long-term care, and fixed and indexed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of advisory and brokerage services using asset-allocation tools, risk assessments, and multiple portfolio management platforms, including access to third-party money managers and unified managed accounts.

Carmen Garcia Sevillano is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Before joining Merrill in 2022, she worked at UC San Diego Health for three years. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Julia De Loach is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses. Her prior roles include positions at AllianceBernstein and Bernstein Private Wealth Management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support non-discretionary client decisions.