Vicente Hinojosa III is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and offering 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Edward Jones, and Comerica Securities and Bank. He serves as president of the Vista Optimist Club and the Vista Education Foundation, and is a board member of the Vista Chamber of Commerce. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, providing a range of brokerage and advisory services supported by advanced portfolio management tools and multiple advisory platforms.

Jheneffer Carleto Borsoi Pacheco is a Series 66-licensed advisor with Merrill, based in Carlsbad, CA, and has been with the firm since 2025. Prior to Merrill, she held positions at Bank of America, Global Financial Impact, and other organizations in various roles from 2019 onward. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Outside of his advisory role, he serves as a board member and Treasurer for the Escondido Chamber of Commerce, where he volunteers to support local businesses and community development. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to recommend investment strategies.

Rene' Flores is a CFP® professional with 29 years of industry experience, currently serving at Edward Jones since 1998. He holds Series 63 and Series 65 licenses and is based in Escondido, CA. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products.

Curt Beyer is a financial advisor with LPL Financial in Escondido, CA, holding Series 63 and Series 66 designations and 26 years of industry experience. He has worked previously at City National Bank, RBC Capital Markets LLC, and Merrill. LPL Financial is a national broker-dealer and 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 portfolio programs, and institutional platforms, with advice delivered primarily through a large network of investment adviser representatives.

Patrick Weishan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has operated his own advisory services since 1997. In addition to advisory work, he has served as Vice President of Operations at Pacific Custom Systems, Inc. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset allocation tools and third-party platforms to manage portfolios through both discretionary and non-discretionary accounts.

River Coop is a financial advisor with Ameriprise in Oceanside, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Ameriprise, River worked at Professional Cleaners and Auburn University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Kathleen Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in investing, wealth management, and tax minimization, working closely with individuals and families to help them preserve and invest their wealth smartly and tax efficiently. Kathleen focuses on understanding the goals and values of her clients to provide tailored planning across various areas such as retirement income, legacy planning, philanthropic planning, and small business strategies. Before joining Merrill, Kathleen spent a decade at investment management firms including Goldman Sachs and AllianceBernstein. She holds the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) designations. Kathleen earned a Bachelor of Science in Finance and Bachelor of Arts degrees in Economics, Spanish, and International Studies from The Pennsylvania State University. Originally from Philadelphia, Kathleen resides in Carlsbad, California with her husband and two daughters. Outside of her professional work, she is involved with the Carlsbad Fire Department Foundation and the San Diego Penn State Alumni Association. Her personal interests include cooking, football, interior decorating, music, reading, running, soccer, traveling, yoga, and spending time with her family.

Shane Terry is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with LPL Financial since 2015. Terry also operates Terry Capital, Inc., an investment-related business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives who utilize a range of discretionary and non-discretionary investment strategies.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. 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 through a large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.

Mark Vigil is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and with 28 years of industry experience. His prior roles include positions at Kestra Investment Services, Morgan Stanley, Merrill, and Wells Fargo Investments. He is also Managing Director of Tailwind Wealth Advisors, an independent RIA providing investment advisory services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools across a wide range of investment strategies.

Ryan Montes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at several firms, including E*Trade Financial Corporation, Morgan Stanley, Charles Schwab, TD Ameritrade, Massachusetts Mutual Life Insurance Co, and Edward Jones. Montes is based in Carlsbad, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Hector Del Castillo is a financial advisor with Raymond James Financial, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Mission Fed Investment Services, Integrated Wealth Concepts, LPL Financial, and Wells Fargo. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional entities. The firm provides tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Francisco Tirado is a financial advisor at Ameriprise with 17 years of industry experience, including 12 years at Edward Jones before joining Ameriprise in 2020. He holds a Series 66 designation. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Steven Much is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has previously worked at Cox Communications and several other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Timothy Shea is a CFP® practitioner affiliated with LPL Financial, based in San Marcos, CA, with 33 years of industry experience. He has held roles at LPL Financial since 2020 and previously worked with Lucia Securities, Lucia Capital Group, and Raymond J. Lucia Companies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a network of over 22,800 investment adviser representatives.

Ryan Coleman is a financial advisor at Edward Jones with 14 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. 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 and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Matthew Hampshire is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having worked at Jpmorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Todd Mcgraw is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth strategies tailored to families and local business owners. Based in San Diego, he emphasizes a personalized, goals-based approach that takes into account clients' financial situations, priorities, risk tolerance, and time horizon. His practice integrates investment insights from Merrill and banking services from Bank of America to address diverse financial needs, including education planning, retirement income, legacy planning, and socially responsible investing. With professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), Todd brings expertise in portfolio management, tax minimization, and wealth preservation and transfer strategies. He holds a Bachelor's Degree from San Diego State University and is affiliated with Merrill Lynch Wealth Management and Bank of America. Todd is active in his community, inspired by Merrill’s tradition of community participation. Outside of work, he enjoys adventure sports such as skiing, hiking, fishing, golfing, baseball, and football.