Natalie Slemp is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2023. Her prior roles include positions at Benn Digital, 180Commerce, CPC Strategy, and USAopoly. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies and provides affiliated mutual funds, overlay and tax-efficient services, and operates under a fiduciary standard.

Timothy Cole is a financial advisor with LPL Financial, holding a Series 66 credential and based in Carlsbad, CA. He has prior experience at Fidelity Investments and a background in the medical device industry with NuVasive and DePuy Synthes J&J. 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 range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Mauro Ciarmoli is a financial advisor with Fidelity Investments in San Marcos, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes 17 years at LPL Financial, LLC before joining Fidelity. He is also the owner of MCC Discovery, LLC, an LLC registered for tax and business purposes. Mauro is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Erik Simmons is a financial advisor with Ameriprise who holds a Series 63 designation and has 30 years of industry experience. Prior to joining Ameriprise, he worked at Axxcess Wealth Management LLC and Arete Wealth Management LLC for eight years. He is based in Carlsbad, CA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Carlos Caceres Jr. is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds a Series 63 designation and has worked at Raymond James since 2019, following prior roles at CUSO Financial Services and Mission Federal Credit Union. Outside of his advisory work, he serves as a trustee for a family-related business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary investment consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Christopher Wells is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Commonwealth Financial Network for seven years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

Elena Navedo Alvarez is a financial advisor at Merrill with Series 66 and Series 63 licenses and five years of industry experience. Her prior experience includes roles at Bank of America, J.P. Morgan Securities, and Caixabank S.A. 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, offering model-based and discretionary investment strategies for a range of clients including individuals and institutions.

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.

Richard Hachigian is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for seven years before joining LPL Financial in 2022. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Paul Wendee is the owner and Chief Investment Officer of Paul M. Wendee & Associates with 35 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Wendee has previously worked at firms including Entoro Capital, Exemplar Capital, and Silber Bennett Financial. He serves as an adjunct professor at California Baptist University and California State University Los Angeles and is the owner, editor, and publisher of the Intrinsic Value Wealth Report newsletter. Paul M. Wendee & Associates provides discretionary investment management primarily for pooled investment vehicles and institutional clients. The firm uses in-house analytical methods including security ratings and limited market timing and may engage sub-advisors to manage accounts.

Cynthia Tam is a CFP® with 23 years of industry experience, currently serving as the sole advisor at Native Finance Investment Advisory since 2013. She also has a background with Newport Coast Securities, where she has worked since 2012. In addition to her advisory role, Tam owns and operates businesses in tax preparation and insurance, and leads the Native Finance Institute, which focuses on compensation research and financial policy development for tribal governments. Native Finance Investment Advisory is an independent, single-advisor firm that provides financial products and services primarily focused on insurance brokerage and product facilitation. The firm emphasizes privacy and data practices and does not offer discretionary portfolio management or percentage-of-AUM fee arrangements, which influences its service and compensation structure.

Jonathan Moffat is a financial advisor with Aligned Advisors in Oceanside, CA, holding a Series 66 license and bringing 19 years of industry experience. He has been with Aligned Advisors since 2013 and also operates Moffat Financial and Insurance Services Corp, which he founded in 2004. Outside of advisory work, he serves as secretary and board member for Launch Dental, LLC, a dental practice operations management company, and is a partner at DSO CFO, LLC, which provides bookkeeping and payroll services to dental practices. Aligned Advisors offers financial planning, practice consulting, and coaching primarily to high-net-worth individuals and business clients such as dental service organizations. The firm provides flat-fee consulting, fractional CFO services, and management support, focusing on a non-custodial, consultative approach rather than traditional portfolio management.

Michael Belgard is a financial advisor at Aligned Advisors with Series 63 and Series 65 licenses and 10 years of industry experience. Prior to joining Aligned Advisors, he worked in property management, credit services, and auto sales. Outside of finance, he directs plays for small community theater companies. Aligned Advisors provides financial planning and consulting services primarily to high-net-worth individuals and business clients such as dental service organizations. The firm focuses on flat-fee consulting, fractional CFO services, and management support, operating in a consultative, non-custodial capacity rather than managing client portfolios directly.