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.

Coley Davis III is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors, Securities America, Inc., and Cooper McManus. Outside of his advisory role, he serves as President of CB Financial Ins Services Inc., which provides fixed insurance sales and investment-related retirement planning services. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to third-party money managers and managed account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a variety of asset classes, managing accounts on both discretionary and non-discretionary bases.

David Winter is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. He has worked with JPMorgan Securities since 2017 and previously spent a year at Ameriprise Financial Services. Outside of finance, he is a self-employed musician and instructor with Blue Fever, a role he has maintained since 2009. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

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.

James Kwei is a financial advisor at Morgan Stanley with 33 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 2016. He is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services that incorporate firm-approved tools and methodologies to model potential outcomes.

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.

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.

Shari Miller is a financial advisor with LPL Financial, holding a Series 63 designation and 38 years of industry experience. She has been with LPL Financial since 1992. Outside of her advisory work, Miller is involved with Sun Marine Holdings, a privately held business entity. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

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 with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023 and previously spent ten years at Wells Fargo Clearing. 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. The firm delivers advisory services alongside affiliated brokerage and investment management capabilities, with recommendations made on a non-discretionary basis.

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.

Colton Chapin is a financial advisor with Charles Schwab, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Charles Schwab Bank and Schwab & Co., as well as varied positions outside finance. In addition to his advisory work, he is involved in rehabilitating retired racehorses to help find them new homes. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a mix of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Tristan Macelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation. He joined Morgan Stanley in 2026 and has prior work experience across technology and industrial sectors, including roles at Saama Technologies, Icon Technologies, and Taurex Drill Bits. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services that encompass both direct individual plans and corporate financial planning agreements.