Ian Ugarte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2009, following prior roles at Associated Securities Corp. and National Planning Corporation. 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, model portfolio programs, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

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, bringing over 15 years of experience providing counsel to senior executives, public and private C-suite leaders, entrepreneurs, and families. He specializes in delivering guidance on wealth preservation, accumulation, and distribution, with a focus on navigating large liquidity transactions, personal and professional transitions, and unplanned life events. John applies a personal and thoughtful approach to address his clients' challenges and uncover emerging opportunities. John holds several 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 participates in the Merrill Next Generation Leadership Council and the USC Marshall School of Business Alumni Group. Beyond his professional commitments, John is involved with the American Heart Association and Miracle Babies. He enjoys activities such as basketball, football, golfing, tennis, reading, traveling, and spending time with his family.

William Lara is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo in various capacities since 2005. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Spencer Lewis is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 18 years of industry experience, including 20 years at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 at Merrill with seven years of industry experience. She holds Series 66 and Series 63 licenses and has been affiliated with Merrill and Bank of America for over three decades. Hobanchavez serves as a board member of the Theater and Arts Foundation of San Diego, also known as La Jolla Playhouse, contributing to governance and community engagement efforts. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gino Russo is a financial advisor with Mass Mutual Investors Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. His prior work includes positions at Northwestern Mutual and Adifo UCAP. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars. The firm structures financial planning as ongoing, collaborative relationships focused on goal analysis and written recommendations.

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.

Mona Corbett is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Woodbury Financial Services and U.S. Bancorp Advisors. Outside of her advisory work, she is involved in establishing a wellness center called Serenity Ranch and operates a sole proprietorship focused on financial wellness solutions. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by a range of discretionary and third-party manager strategies.

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.

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 with Wells Fargo Clearing in San Diego, CA, holding Series 66, Series 63, and Series 65 licenses and seven years of industry experience. His prior work includes roles at Wells Fargo Bank and SRM Capital Management, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to guide investment decisions, offering both discretionary and non-discretionary retirement plan services.

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 in San Diego, CA, holding a Series 66 designation and five years of industry experience. She previously worked at Wells Fargo Clearing for ten years before joining JPMorgan Chase Bank and J.P. Morgan Securities three years ago. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

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.