Stephan Winn is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2013. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by over 10,000 advisors and more than $256 billion in assets under management.

Brian Henderson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines systematic quantitative screens with qualitative research, incorporating ESG considerations and supporting clients with centralized due diligence and affiliated implementation services.

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.

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.

John Fountain is a financial advisor with Palomar Advisors Inc. in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Palomar Advisors (formerly Creative Benefits Inc.) since 2016 and also serves as President and CEO of Creative Wealth Group, a firm involved in fixed insurance product sales and captive insurance. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations, and corporations. The firm tailors portfolios to client goals and risk tolerance and emphasizes fiduciary standards in its retirement account services.

Noah Andrade is a financial advisor at Palomar Advisors Inc. in Temecula, CA, holding a Series 65 designation with approximately one year of experience in advisory roles. His prior work history includes positions at BMO Bank and University of California San Diego, among others. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, pension plans, charitable organizations, and corporations. The firm offers tailored portfolios actively managed across various securities and supports retirement accounts under ERISA/IRC fiduciary standards.