Stephen (Steve) Moses is a Senior Financial Advisor with Merrill Lynch Wealth Management based in San Luis Obispo, California. He has been with Merrill Lynch since 2007 and brings over 20 years of experience in the financial services industry. Steve provides wealth and retirement strategies to individuals, executives, and corporations, utilizing a team of professionals within Merrill Lynch's global wealth management, investment banking, and research divisions. Prior to his current role, Steve served as CEO of a fine art company and was a Principal at Affinity Investment Advisors for six years. He holds several professional designations, including Certified Divorce Financial Analyst (CDFA®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA®). Steve is a graduate of the University of Southern California. Steve's approach emphasizes that true wealth encompasses more than money, focusing on achieving life goals, family security, career satisfaction, personal freedom, and the ability to assist others. Outside of his professional work, he has founded various organizations such as the Southern California Venture Network, the Orange County Hiking Club, the Orange County Medical Device group, and the CFO2CFO roundtable. Steve also enjoys cooking, surfing, and traveling.

Rodolfo Ruiz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has also worked at Wells Fargo Bank NA since 2014. Outside of his advisory role, he is involved in property management through partial ownership in rental properties and an investment group in Oxnard, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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, serving as an ERISA fiduciary when providing investment advice and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Matt Kokkonen is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked with Mass Mutual Life Insurance and MML Investors Services since 1990. Outside of his advisory role, he is involved in life, health, and property/casualty insurance as an agent and also participates in pension services and life settlements. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships that provide goal-based recommendations without investment discretion.

Joseph Boche is a financial advisor at Edward Jones with four years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Edward Jones, he worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He has also been employed in roles outside the financial sector, including positions at Santa Maria Ford and Galaxy Theaters Atascadero. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Aaron Paulsen is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 33 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Trina Cisneros is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with LPL Financial since 2010. Additionally, she is a certified notary with the State of California. 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 variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, with access to model portfolios, research, and multiple investment strategies.

Rebecca Mc Kenzie is a Series 66-licensed financial advisor with Edward Jones, based in Arroyo Grande, CA, and has two years of industry experience. She has been with Edward Jones since 2003, including the firm's institutional category since 2025. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients, offering a broad range of advisory programs and investment options supported by a large nationwide network of financial advisors and branch offices.

Hilda Gonzalez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2019 and has a longer tenure with Wells Fargo Bank NA dating back to 2006. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Edward Hollett is the sole advisor at Sierra Shore Financial, an independent firm based in Pismo Beach, CA. He holds Series 63 and Series 65 licenses and has 42 years of industry experience. Prior to founding Sierra Shore Financial, he worked at Sentra Securities Corporation from 1998 to 2003. In addition to his advisory role, he is involved in life and health insurance sales through Hollett Insurance Services. Sierra Shore Financial provides investment advisory and financial planning services to individuals, families, businesses, trusts, estates, charitable organizations, and retirement plans, serving clients across various wealth levels. The firm’s investment approach centers on portfolios primarily composed of mutual funds, ETFs, and individual stocks and bonds, offering both discretionary and non-discretionary account management with access to proprietary programs and independent third-party managers.