Krista Goryl is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and its predecessor entities since 2010. Outside of her advisory role, she is a 50% owner of Secrets of Superwomen, LLC, a sports company based in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Caden Kelley is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, with prior roles at Bank of America NA and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan organization, offering access to a wide range of products through its institutional consulting services.

Alexander Voils is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include nine years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Gregory Overland is a financial advisor with Ameriprise in Solana Beach, CA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he has involvement in multi-family real estate ownership in Panama City, Panama, and Cartagena, Colombia. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools overseen by a dedicated team to deliver tailored retirement income advice.

Chris Jalonen is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Sagepoint Financial, Inc. for 14 years. He also sells life and health insurance on a limited basis, primarily to existing clients. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services with integrated portfolio management tools and access to third-party money managers.

Mitchell Severe is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has been with LPL Financial since 2024. Prior to his current role, he has experience in various industries including education and the cannabis sector. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management supported by research and diversified investment strategies.

Harvey Frank is a financial advisor at Stifel with 35 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Marci Mauro is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has worked at Wells Fargo and its affiliates since 2017 and previously at Pacific Southwest Realty Services. Outside of her advisory role, she coaches a functional interval training program at Bay Club Carmel Valley. 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 approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Michael Heidtbrink is a financial advisor with Thrivent Investment Management in Santee, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he serves as a lay minister at Atonement Lutheran Church, assisting with monthly communion services and participating in church board meetings. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial planning topics. The firm offers these services through a network of advisors but does not provide discretionary trading authority or institutional portfolio management.

Ryan Chavez is a CFP® certificant with nine years of industry experience. He is currently with Wells Fargo Clearing Services and has been affiliated with Wells Fargo Bank since 2008. Based in San Diego, CA, he holds multiple securities licenses including Series 63, 65, and 66. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Scott Kramling is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at California Credit Union, CUSO Financial Services, Bank of America, Merrill, John Hancock Financial Network, and the American Red Cross. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports through a centralized consulting team.

Paul Lamb is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Essick, Sims, Lamb & Associates team. He focuses on comprehensive wealth planning, employing a long-term outlook that emphasizes tax efficiency and exposure to private markets such as private equity, credit, infrastructure, and real estate when appropriate. He works closely with clients to develop personalized financial strategies designed to pursue their long-term goals. Paul's expertise spans college education planning, family wealth management strategies, legacy planning, philanthropic planning, and socially responsible, values-based, and ESG investing. He holds professional designations including Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Michigan and an MBA from San Diego State University. In addition to his professional work, Paul is involved with the community organization Just In Time For Foster Youth. His personal interests include golfing, ice hockey, pickleball, rock climbing, spending time with his family, traveling, and writing.

Shirley Cantu is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC, and over two decades at Wells Fargo Bank. 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 services. The firm’s approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

David Brookes is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Sagepoint Financial, Inc. since 2009. Outside of his advisory role, he owns a sole proprietorship focused on term life insurance and variable annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and third-party investment solutions.

Ian Friend is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with four years of industry experience. His prior work includes roles at Merrill and CLOVER SONOMA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by firm-approved tools and a broad array of investment and product offerings.

John Lowe is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and has previous experience including roles at Northwestern Mutual and various positions associated with the University of Arizona. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Ian Ugarte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and a variety of portfolio management options.

Mary Dorsey Evans is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 credential and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

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.