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 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors, Cooper McManus, and VOYA Financial Advisors. Outside of his advisory role, he serves as president of CB Financial Ins Services Inc., where he is involved in fixed insurance sales and retirement planning. OSAIC serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using asset-allocation tools and risk assessments to construct portfolios that may include a range of investment types, with management options tailored to client preferences.

David Winter is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at Ameriprise Financial Services and JPMorgan Securities. Outside of his advisory work, 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 through a program that combines quantitative asset-allocation modeling with centralized due diligence, offering clients customized and non-discretionary investment advice.

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. His prior positions include roles at Sagepoint Financial, OSAIC Services, Wells Fargo Clearing, and Prudential Equity Group. Klenske is also involved in healthcare market activities outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 in San Diego, CA, with nine years at the firm and three years of industry experience. Prior to joining LPL Financial, she worked at Victoria's Secret for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

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 affiliated with LPL Financial in La Jolla, CA. He has worked at California Bank & Trust since 2015 and previously held roles at Zions Capital Advisors, U.S. Bancorp Investments, and Principal Financial Services. Hodges also serves as a Relationship Manager and Business Development Officer for Zions Trust, N.A. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of representatives and employs a variety of portfolio strategies supported by research and technology tools.

Shari Miller is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 63 designation and 38 years of industry experience. She has been with LPL Financial since 1992. Outside of her advisory role, she is involved with Sun Marine Holdings, a business entity related to yacht ownership for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by operational tools such as machine learning for research and advisor support.

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 affiliated with LPL Financial in San Diego, CA, with 27 years of industry experience. He previously worked at Cetera Wealth Services, LLC, and Cetera Advisor Networks LLC. Diehl is co-owner of two insurance agencies specializing in Medicare Supplement, life, health, and employee benefits. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

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 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.

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.