Stephen Moses is a Senior Financial Advisor with Merrill Lynch Wealth Management in San Luis Obispo, California. He specializes in providing wealth and retirement strategies for individuals, executives, and corporations, leveraging a team of dedicated professionals within Merrill Lynch, a firm with a global presence in wealth management, investment banking, and research. With over 20 years of experience in the financial services industry, Stephen joined Merrill Lynch Wealth Management in 2007. Prior to this, he was a Principal at Affinity Investment Advisors for six years and also served as CEO of a fine art company. He holds professional designations including Certified Divorce Financial Analyst (CDFA®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA™). Stephen is a graduate of the University of Southern California. He founded several organizations including the Southern California Venture Network, the Orange County Hiking Club, the Orange County Medical Device group (now DeviceAlliance), and the CFO2CFO roundtable. He is also involved in community service, volunteering with local organizations. Outside of his professional commitments, Stephen 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 in San Luis Obispo, CA, holding Series 63 and Series 66 licenses with three years of industry experience. His prior work includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Additionally, he has experience in automotive sales and insurance. 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, offering a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

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 with LPL Financial in San Luis Obispo, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with LPL Financial since 2010. Outside of her advisory work, she is a certified notary with the State of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

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 a financial advisor with Independent Financial Group, LLC and holds Series 63 and Series 65 licenses. He has 41 years of industry experience and has been associated with both Independent Financial Group and Sierra Shore Financial since 2003. He is the sole owner and Investment Adviser Representative of Sierra Shore Financial, a California-registered investment advisor, and is also involved in insurance sales and service for life and health insurance through Hollett Insurance Services. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that serves individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement plan services, utilizing multiple advisory programs and third-party asset managers, with approximately $11.3 billion in regulatory assets under management.