Clifford Breeden III is a financial advisor with LPL Financial in San Clemente, CA, holding a Series 66 designation and ten years of industry experience. His career includes roles at Ameriprise Financial Services, D.A. Davidson & Co., Waddell & Reed, and BMO Harris Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and oversight of substantial discretionary assets.

Steven Vasquez is a financial advisor with Primerica Advisors in San Clemente, CA, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of advising, he is involved in sales of home security and automation products through affiliated companies and participates in managing a family trust. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Kelsey Belsito is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016. Additionally, she has been involved with Woody's Diner since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers a wide range of investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Roy Woehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Wells Fargo Clearing from 2003 to 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, with advisors using a variety of discretionary and non-discretionary strategies supported by research and technology tools.

Diane Wegener is a financial advisor with Edward Jones in Laguna Beach, CA, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. She has been with Edward Jones since 1996. Outside of her advisory role, she owns a rental property in California. Edward Jones is a full-service wealth management firm serving a wide range of individual and institutional clients, offering various managed investment strategies and affiliated products through a large national network of advisors.

Douglas Mc Dowell is a financial advisor with Edward Jones in Pensacola, FL, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018, following roles at the College of William and Mary and Bradley-Morris, Inc. Outside of advising, he is a member of Kildare Restoration LLC, a real estate venture focused on residential properties, although he currently has no holdings in the entity. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a broad range of advisory services and maintains a nationwide network of advisors and branch offices.

Ronald Holliday is a financial advisor with LPL Financial in San Clemente, CA, holding a Series 63 designation and 30 years of industry experience, all with LPL since 1996. He serves as an elected member of the Murrieta City Council. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, and institutions, offering a range of financial planning and investment management solutions.

Daniel Palmer is a CFP®-designated financial advisor with Merrill, where he has worked since 2009. He has 32 years of industry experience and has also been affiliated with Bank of America, N.A. since 2003. Palmer serves as a power of attorney in a fiduciary role for a family member. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Harpootlian is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms including Citigroup Global Markets, FSC Securities, and The Retirement Group, LLC. Outside of his advisory role, he is co-owner, treasurer, and secretary of a video production company and serves as president of a consulting firm providing compliance services to independent investment groups. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services supported by a model-based investment approach and multiple platform arrangements.

Jasper Schanna is a ChFC® with 39 years of industry experience, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial Services, Inc. for eight years and has been president and CEO of Schanna Financial & Insurance Service, Inc. since 1977. He is also a trustee of the Schanna Family Trust with his wife, Jayne. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Jamie Reynolds is a financial advisor with Fidelity in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes multiple roles within Fidelity since 2007, as well as a brief tenure at Morgan Stanley in 2019. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-fund strategies and model portfolios.

Daniel Cota is a financial advisor with Merrill and holds Series 63 and Series 65 designations. He has 29 years of industry experience, including prior roles at Securian Financial Services, Inc. and PRUCO Securities, LLC. Cota has been with Merrill and Bank of America since 2016. Merrill, along 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, high-net-worth investors, and institutional entities.

Eric Cooper is a financial advisor with Edward Jones in Oceanside, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked in various roles across staffing, healthcare, and local government sectors. He serves as a board member for the Tri-City Hospital Foundation, a nonprofit organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a national network of financial advisors and branch offices. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Tory Thomas is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He has held positions at Wells Fargo since 2016 and previously worked at Morgan Stanley and its affiliates from 1998 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Robert Fisher is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he held roles at Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance Company in 2024, and worked in the healthcare sector at Caring Cardiology Medical Group from 2017 to 2022. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Roger Steele is a financial advisor with Wells Fargo Clearing based in San Clemente, CA, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes positions at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. He co-owns a rental property in Kahuka, HI with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory and financial planning services, relying on research and analytics to guide investment selections and offering solutions that include retirement plan consulting and brokerage services.

Mark Buckman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 36 years of industry experience. His prior work includes roles at Family Investment Management, LP, where he was involved for 11 years, and UBS Financial Services for 2 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

David Zerkle is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services, Inc. for 24 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves 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 solutions supported by multi-asset model portfolios and centralized operational resources.

Brad Thompson is a Series 66 credentialed advisor with eight years of industry experience, currently with J.P. Morgan Securities in San Clemente, CA. His career includes roles at Edward Jones and JPMorgan Chase Bank. Outside of finance, he owns Neptunium, a creative venture focused on photography, writing, and e-commerce sales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, emphasizing non-discretionary written asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative due diligence, including an ESG eligibility framework, and leverages broader derivatives and commodities capabilities.

Megan Stirrat is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 26 years of industry experience. She has worked previously at Merrill and Bank of America, and has been with LPL Financial since 2023. In addition to her advisory role, she is involved with Exclusive Insurance Brokerage, focusing on non-variable insurance. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.