Vezafina Kirby is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America and Thrivent Financial prior to joining J.P. Morgan Securities. 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. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Ivette Taylor is a financial advisor with Ameriprise in Murrieta, CA, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its related entities since 2005 and also has a long tenure at Downey Savings & Loan. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these services through a centralized consulting team in collaboration with its financial advisors.

Michael Walsh is a financial advisor with Ameriprise in Valley Center, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank for a combined nine years. Outside of his advisory role, Walsh owns and operates a small engine repair business and is involved in retail sales of chainsaw parts and equipment on weekends. Ameriprise offers comprehensive retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations.

Thomas Tedesco is a financial advisor at Edelman Financial Engines with eight years of industry experience. He holds a Series 65 designation and previously worked at Fisher Investments for ten years. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

Michael Taylor is a financial advisor with Merrill in Temecula, CA, holding Series 63, 65, and 66 licenses and 21 years of industry experience. He has been with Merrill and Bank of America since 2016 and has also been associated with Donna Carmichael since 2008. Outside of his advisory role, he serves as a Co-Trustee for a private trust. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lee Ann Hodapp is a financial advisor with Wells Fargo Clearing who holds a Series 66 designation and has 24 years of industry experience. Her work history includes roles at Wells Fargo Clearing Services, 1st Global Advisers, Ericksen Krentel, LLP, and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and emphasizes diversification and modern portfolio theory in its investment approach.

Arlon Enmeier is a financial advisor at OSAIC with 44 years of industry experience. He holds a Series 63 designation and has previously worked with Securities America, Inc. and Dynamic Healthcard Systems, Inc. He also has longstanding involvement in life insurance sales and has owner responsibilities related to office operations. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services supported by a multi-advisor platform. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and risk management.

Cory White is a financial advisor at Edward Jones in San Clemente, CA, holding a Series 66 credential with one year of industry experience. His prior work includes roles at Birdwell California! LLC, William Ray Valentine LLC, and The Pacific Financial Group, Inc., as well as consulting through CM White Consulting. 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 wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Peggy Allen is a financial advisor with Stifel, holding a Series 66 designation and bringing 26 years of industry experience. Her career includes roles at Bank of America and Merrill prior to joining Stifel in 2019. Outside of her advisory work, she is involved with a family-held real estate investment LLC. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

James Goodin is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience, he serves as a lifetime resource and guide to individuals and families, helping them achieve financial security through a cohesive approach tailored to their unique vision and values. His client focus areas include personal retirement planning, portfolio management services, special needs planning strategies, and retirement income. James holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and holds Series 7, 63, 66, and 31 licenses, as well as a State of California Life, Health, and Variable Contracts insurance license. He earned his high school diploma from Brigham Young University. Outside of his professional life, James and his wife are active in their church and are advocates for adoption and special needs children, drawing from their own family experience of adopting a daughter with cerebral palsy. They have five children and enjoy spending time together.

Richard Duby is a financial advisor with LPL Financial in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked with Osaic FA, Inc. and has been with Linsco/Private Ledger Corp. since 2004. He is involved in outside sales of 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 portfolio programs, third-party asset management, and institutional platforms.

Benjamin Smits is a financial advisor at Fidelity with 9 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Merrill, Bank of America, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and manages multiple registered investment companies and model portfolios with systematic, long-term asset allocation strategies.

Sergio Rivera is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America Merrill Lynch for ten years. Rivera is based in Murrieta, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating both quantitative and qualitative research.

Michael Martin is a CFP® professional with 15 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2019 and previously held roles at Charles Schwab and LearnVest. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive written financial recommendations across various planning topics without implementing those recommendations. The firm combines goal-based analyses with managed-account programs while maintaining separate planning and portfolio management services.

Christian Azalde is a financial advisor with Fidelity Investments in Fallbrook, California, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at Fidelity since 2021 and has prior experience at several organizations, including N26 and the Bronco Foundation. In addition to his advisory role, he serves as an adjunct professor for the healthcare department at Concordia University Irvine. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment approach that combines proprietary research, quantitative analysis, and algorithmic portfolio construction.

Parvez Howlader is a financial advisor at Cetera with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including VOYA Financial Advisors, Equitable Advisors, and Edward Jones. In addition to his advisory role, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account management.

Jared De Soto is a financial advisor with Charles Schwab who holds a Series 66 designation and has 13 years of industry experience. His prior firms include LPL Financial LLC and td ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized custody and order-routing arrangements.

Jacob Lew is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he has work experience in various roles including at Temecula Creek Inn, In-N-Out Burger, Luna Grill, and the University of California, Riverside. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Rachel Vela is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked with Primerica Financial Services since 1996 and has held positions at Riverside Community Hospital and Loma Linda University. In addition to her advisory role, she receives compensation for sales of loan products and referrals for home security and automation services. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and delivers services through a large network of advisors.

Michael Butsko is a financial advisor with LPL Financial and holds a Series 63 designation. He has 34 years of industry experience, including previous roles at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside of his advisory work, he coaches boys tennis at Temecula Valley High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad platform of advisory and brokerage services.