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.

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.

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.