Michael Tamayo is a Series 66–licensed financial advisor with Edward Jones in Menifee, CA, and has 10 years of industry experience. Prior to joining Edward Jones, he worked for Wells Fargo Clearing Services LLC from 2015 to 2025. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Andrew Tenaglia is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Prior to joining Raymond James, he worked at Rubicon Advisors and LPL Financial. He is also associated with Amarillo National Bank, where he provides financial and investment advice to individuals and businesses. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored non-discretionary planning and consulting, utilizing analytical tools and supports clients through advisory programs and affiliated advisory firms.

Jon Ondracek is a financial advisor at Stifel with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2019. His prior experience includes tenures at Bank of America and Merrill from 2009 to 2019. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Vezafina Kirby is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Bank of America and Thrivent Financial. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

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.

Nathen Trujillo is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Charles Schwab, he worked at Tommy Bahama and The Walt Disney Company. Charles Schwab & Co., Inc. serves a large client base, 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 guidance, utilizing multi-asset model portfolios and a centralized operational structure.

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.

Garett Wilkinson is a financial advisor at Edward Jones with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

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, holding a Series 66 designation and 23 years of industry experience. She has worked primarily at Wells Fargo Clearing since 2012, with brief roles at 1st Global Advisers, Inc, 1st Global Capital Corp, and Ericksen Krentel, LLP between 2017 and 2018. 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 advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

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 designations and having 28 years of industry experience. He has been with Linsco/Private Ledger Corp., which merged with LPL Financial, since 2004. In addition to his advisory work, he is involved with outside sales of non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research, model portfolios, and various investment management options.

Sergio Rivera is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and previously worked at Bank of America Merrill Lynch for ten years before joining J.P. Morgan in 2026. J.P. Morgan Securities LLC provides institutional consulting services to 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, delivering non-discretionary advisory programs supported by a centralized due-diligence framework.

Michael Martin is a CFP® professional with 14 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial since 2019, following prior roles at Charles Schwab and LearnVest, Inc. He is based in Temecula, CA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm offers comprehensive, goal-based planning without discretionary trading authority and combines planning with managed-account programs through its WealthPlan option.

Parvez Howlader is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. He has worked with Cetera and its affiliates since 2014 and has experience as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts, offering diverse portfolio management and financial planning services through a nationwide network of independent advisors.

Jared De Soto is a financial advisor with Charles Schwab who holds a Series 66 designation and has 13 years of industry experience. His prior firms include LPL Financial LLC and td ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized custody and order-routing arrangements.

Jacob Lew is a financial advisor with Ameriprise in Temecula, CA, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining Ameriprise, he held various positions in the hospitality and food service industries while attending the University of California, Riverside. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on income sources and tax-aware withdrawal strategies. The firm’s retirement solutions involve a centralized service team and utilize proprietary investment research and tools within a defined investment universe.

Rachel Vela is a financial advisor with Primerica Advisors in Temecula, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked at Primerica Advisors since 2021 and has a broader career history including roles at Loma Linda University and Riverside Community Hospital. Outside of advising, she is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with a focus on model-based investment strategies delivered through a large network of advisors.

Michael Butsko is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at LPL Financial since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he serves as a boys tennis coach at Temecula Valley High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, supporting both discretionary and non-discretionary management with access to research, model portfolios, and various investment strategies.