Amber Smith is a financial advisor with Wells Fargo Clearing in Temecula, CA, holding a Series 66 designation and six years of industry experience. She has previously worked at Merrill and has experience in the fitness industry with Orange Theory Fitness. Outside of financial advising, she is involved in independent sales for MONAT. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Mohammad Ali is a Series 66–licensed financial advisor at Edward Jones with seven years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2015 to 2024. 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 programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

John Ayala Sr. is a Series 66 licensed advisor with LPL Financial, based in Temecula, CA, and has 16 years of industry experience. He previously worked at Merrill from 2011 to 2016 and Morgan Stanley from 2010 to 2011. Outside of his advisory role, he is co-owner and COO of Ignite Human Capital, a staffing firm. 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 services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research and operational tools.

Vischha Wilson is a financial advisor at Ameriprise in Temecula, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Ameriprise, Wilson worked three years at Wells Fargo Clearing. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Tyler Johnson is a financial advisor at Ameriprise with seven years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its related entities since 2019, including a prior role at Ameriprise Financial Services, Inc. before joining the main firm. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written Recommendation Reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Jana Swenson is a financial advisor at Stifel with 46 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2008 and holds Series 63 and Series 66 licenses. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Hamasseh Pourhamzeh is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Vanguard Group and Instawork. Outside of finance, he sells secondhand clothing on Poshmark. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients through discretionary portfolio management, fund advisory, and model portfolio delivery, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Gilbert Caraveo is a financial advisor at Fidelity with Series 66 and Series 63 credentials and several years of experience across multiple firms, including Northwestern Mutual and Preply. His background includes roles in wealth management and investment services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a research-driven, quantitative approach to portfolio construction and managing model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Matthew Coiner is a financial advisor with Wells Fargo Advisors in Murrieta, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at Merrill for 10 years and Wells Fargo Clearing for 8 years prior to joining Wells Fargo Advisors. Coiner has ownership interests in two investment-related firms based in Murrieta. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services, and integrates advisory offerings with other financial products and referral channels.

Grant Ostapeck is a financial advisor at Ameriprise with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Gilberto Cardenas is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 2015. His prior experience includes work with The Acacia Group dating back to 2002. Outside of advisory services, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation, operating under a tiered wrap fee structure.

William Bohmer is a CFP® professional with 30 years of experience, currently serving at Thrivent Investment Management since 2002. He also holds Series 63 and Series 66 licenses. Outside of his advisory role, he is the treasurer of the Make A Difference Foundation, participating in project decision-making to assist individuals and families in need. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based, holistic analyses and written recommendations on various financial topics, with planning services separate from managed accounts and implementation.

Edward Botros is a financial advisor with J.P. Morgan Securities in Temecula, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and LYFT. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates an ESG eligibility framework.

Dale Maas is a Series 66 licensed financial advisor with Edward Jones, based in Oceanside, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is involved as a manager in real estate investment ventures, including a partnership focused on property development in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving more than 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, operating under a fiduciary standard.

Robert Erling is a financial advisor with Ameriprise in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2001. Outside of advising, he is involved in commercial real estate ownership. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines automated tools and personalized review to deliver tailored advice, primarily focusing on assets managed within Ameriprise accounts.

Kari Cierley is a financial advisor at Edward Jones with nine years of industry experience. She holds the CFP® designation as well as Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2017, she worked at Executive Business Services, Inc. from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. 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, operating under a fiduciary standard.

John Burg is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has previously worked at Wells Fargo Clearing, Citigroup Global Markets, and Morgan Stanley DW Inc. Outside of his advisory role, he is involved in winemaking as a hobby. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that focuses on retirement-income planning through written recommendation reports and ongoing advice. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools, with a focus on dependable income sources and tax-aware withdrawal strategies.

Cletus Emeziem is the principal advisor at CME Strategic Wealth Management in Temecula, CA, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has led CME Strategic Wealth Management since 2016 and is also involved with TradingBlock since 2015. Outside of advisory services, he owns and operates a tax preparation business and is engaged in a resort/vacation sharing marketing role. CME Strategic Wealth Management serves approximately 20 clients, including individuals, high-net-worth clients, charities, and business entities, managing about $549,166 in client assets. The firm offers financial planning, non-discretionary portfolio management, third-party adviser selection, and seasonal tax preparation, using a strategic asset allocation approach with tactical adjustments across various investment vehicles.

Jonathan Moffat is a financial advisor at Aligned Advisors with 19 years of industry experience. He holds a Series 66 designation and has been with Aligned Advisors since 2015. Outside of his advisory role, he serves as secretary and board member of Launch Dental, LLC, a company focused on operations management for dental practices, and is a partner at DSO CFO, LLC, which provides bookkeeping and payroll services to dental offices. Aligned Advisors offers financial planning and advisory services primarily to high-net-worth individuals through a structured Financial Road Map process. The firm provides advice without exercising investment discretion, with clients responsible for implementing recommendations and using their chosen custodians or managers for execution.