Brian Pedroza is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked at LPL Financial since 2014 and previously spent five years at Rancho Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, model portfolio programs, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports its advisors with a broad range of investment options and operational tools while overseeing more than $819 billion in discretionary assets.

Vezafina Kirby is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America and Thrivent Financial prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Ivette Taylor is a financial advisor with Ameriprise in Murrieta, CA, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its related entities since 2005 and also has a long tenure at Downey Savings & Loan. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these services through a centralized consulting team in collaboration with its financial advisors.

Michael Walsh is a financial advisor with Ameriprise in Valley Center, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank for a combined nine years. Outside of his advisory role, Walsh owns and operates a small engine repair business and is involved in retail sales of chainsaw parts and equipment on weekends. Ameriprise offers comprehensive retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations.

Michael Taylor is a financial advisor with Merrill in Temecula, CA, holding Series 63, 65, and 66 licenses and 21 years of industry experience. He has been with Merrill and Bank of America since 2016 and has also been associated with Donna Carmichael since 2008. Outside of his advisory role, he serves as a Co-Trustee for a private trust. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lee Ann Hodapp is a financial advisor with Wells Fargo Clearing who holds a Series 66 designation and has 24 years of industry experience. Her work history includes roles at Wells Fargo Clearing Services, 1st Global Advisers, Ericksen Krentel, LLP, and Merrill. 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 emphasizes diversification and modern portfolio theory in its investment approach.

Peggy Allen is a financial advisor with Stifel, holding a Series 66 designation and bringing 26 years of industry experience. Her career includes roles at Bank of America and Merrill prior to joining Stifel in 2019. Outside of her advisory work, she is involved with a family-held real estate investment LLC. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

James Goodin is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience, he serves as a lifetime resource and guide to individuals and families, helping them achieve financial security through a cohesive approach tailored to their unique vision and values. His client focus areas include personal retirement planning, portfolio management services, special needs planning strategies, and retirement income. James holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and holds Series 7, 63, 66, and 31 licenses, as well as a State of California Life, Health, and Variable Contracts insurance license. He earned his high school diploma from Brigham Young University. Outside of his professional life, James and his wife are active in their church and are advocates for adoption and special needs children, drawing from their own family experience of adopting a daughter with cerebral palsy. They have five children and enjoy spending time together.

Richard Duby is a financial advisor with LPL Financial in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked with Osaic FA, Inc. and has been with Linsco/Private Ledger Corp. since 2004. He is involved in outside sales of non-variable insurance. 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, third-party asset management, and institutional platforms.

Benjamin Smits is a financial advisor at Fidelity with 9 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Merrill, Bank of America, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and manages multiple registered investment companies and model portfolios with systematic, long-term asset allocation strategies.

Sergio Rivera is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America Merrill Lynch for ten years. Rivera is based in Murrieta, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating both quantitative and qualitative research.

Michael Martin is a CFP® professional with 15 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2019 and previously held roles at Charles Schwab and LearnVest. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive written financial recommendations across various planning topics without implementing those recommendations. The firm combines goal-based analyses with managed-account programs while maintaining separate planning and portfolio management services.

Christian Azalde is a financial advisor with Fidelity Investments in Fallbrook, California, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at Fidelity since 2021 and has prior experience at several organizations, including N26 and the Bronco Foundation. In addition to his advisory role, he serves as an adjunct professor for the healthcare department at Concordia University Irvine. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment approach that combines proprietary research, quantitative analysis, and algorithmic portfolio construction.

Jacob Lew is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he has work experience in various roles including at Temecula Creek Inn, In-N-Out Burger, Luna Grill, and the University of California, Riverside. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Rachel Vela is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked with Primerica Financial Services since 1996 and has held positions at Riverside Community Hospital and Loma Linda University. In addition to her advisory role, she receives compensation for sales of loan products and referrals for home security and automation services. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and delivers services through a large network of advisors.

Michael Butsko is a financial advisor with LPL Financial and holds a Series 63 designation. He has 34 years of industry experience, including previous roles at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside of his advisory work, he coaches boys tennis at Temecula Valley High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad platform of advisory and brokerage services.

Christian Rojas is a Financial Advisor with over 14 years of experience in banking and wealth management. He currently works with Merrill Lynch Wealth Management, where he helps individuals and families build personalized strategies that reflect their priorities while adapting to today's evolving markets. He leverages Merrill's investment insights alongside the banking and lending solutions of Bank of America to provide comprehensive financial guidance. His expertise encompasses a variety of focus areas including college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Christian's professional philosophy centers on understanding clients' life priorities to create tailored plans that align with their goals and aspirations. Christian holds a Bachelor's Degree from the California State University System and has earned the Personal Investment Advisor (PIA) designation. He is bilingual in English and Spanish. Beyond his professional work, he is involved in community service, including volunteering with Habitat for Humanity. In his personal time, Christian enjoys basketball, biking, bowling, football, hiking, running marathons, soccer, spending time with his family, and traveling.

Mae Patton is a financial advisor with Charles Schwab in Temecula, CA, holding Series 63 and Series 66 credentials and four years of industry experience. Her previous roles include positions at TD Ameritrade and Aerotek, as well as six years at Revenue Point Cycle Solutions. Charles Schwab & Co., Inc. serves a large client base, mainly high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and a formal alternative investment program.

Michael Batchelor is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2021. In addition to his advisory role, he serves as an adjunct professor at Chaffey College, where he teaches and evaluates students in the Radiology Technologist Program. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Thompson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on delivering personalized wealth management strategies tailored to clients' individual financial goals and adapting to changing market conditions. His approach emphasizes collaboration to create flexible financial plans. Thompson's expertise includes employee benefits planning, personal retirement planning, portfolio management services, small business strategies, and retirement income. He holds professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of California Riverside and a Juris Doctorate Degree from Chapman University, following his graduation from Rancho Verde High School. Outside of his professional work, Thompson enjoys adventure sports, baseball, camping, and traveling. He is committed to achieving meaningful, enduring results both in his personal life and his work with clients.