Matthew Stelmas is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Northwest Asset Management since 2017. Prior to this, he worked at Wells Fargo Advisors from 2013 to 2017. Outside of advising, he has a small rental property interest in Alaska. Northwest Asset Management serves individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and institutional clients. The firm uses strategic asset allocation and Modern Portfolio Theory with diversified investments, providing customized investment management, financial planning, consulting, tax preparation, and sub-advisory services.

Paul Arthur is a CFP® with 38 years of industry experience. He has worked at Wedbush Securities Inc. since 2011 and previously spent 12 years at Maxwell Noll Investment Advisors. He holds a Series 63 license and is based in Los Osos, CA. Wedbush Securities Inc. serves individual, high-net-worth, and institutional clients, offering a range of investment advisory and broker-dealer services including wealth management, fixed income, commodities, and capital markets. The firm provides tailored portfolio management and conducts due diligence on third-party managers while also offering custodial, clearing, and prime services.

John Mcmanus IV is a CFP® with 25 years of experience in the financial industry. He is currently with Sowell Management and also associated with WealthSource Partners, LLC. Prior to these roles, he spent 20 years at Edward D. Jones & Co., L.P. Mcmanus is a sole proprietor involved in insurance sales and owns a wealth advisory business, Central Coast Wealth Advisors LLC. Sowell Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, and other RIAs with portfolio management, financial planning, and retirement-plan advisory services. The firm employs multiple management styles and offers model portfolios, third-party manager selection, and unified managed account solutions.

Eric Hallin is a financial advisor with Advisory Solutions Group who holds Series 63 and Series 66 licenses and has 16 years of industry experience. His prior roles include positions at CS Planning Corp., Bank of America, Merrill, J.P. Morgan Securities, and Chase Investment Services Corp. Advisory Solutions Group, also known as FocusPoint Solutions, serves retail clients and supports other registered investment advisory firms with financial planning, portfolio management, and turnkey business services. The firm uses a combination of quantitative, momentum, and fundamental analysis to construct diversified portfolios and provides model portfolios, research, and reporting to RIAs.

Ashley Eckles is a financial advisor with Advisory Solutions Group and holds Series 63 and Series 65 licenses. She has three years of industry experience, including previous roles at Oak & Vine Wealth Management and CS Planning Corp. Outside of financial advising, she operates AE Clean, a residential and short-term rental cleaning business. Advisory Solutions Group serves retail clients and provides turnkey business and back-office services to other registered investment advisory firms. The firm uses a combination of quantitative, momentum, and fundamental analysis to construct diversified portfolios and supports RIAs with model implementation, asset allocation, and account administration.

John Mc Manus V is a financial advisor at Sowell Management with a Series 65 designation and two years of industry experience. He has held roles at Central Coast Wealth Advisors d/b/a Cayucos Wealth since 2021 and has been self-employed since 2014. His background includes positions at California Polytechnic State University and Edward Jones. Sowell Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, and other RIAs. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services through an independent-contractor model with over 100 investment advisor representatives.

Andrew Zinn is a financial advisor with Mutual Advisors, LLC, holding a Series 66 designation and bringing 28 years of industry experience. His prior firms include Citigroup Global Markets, UBS Financial Services, and Prudential Equity Group. Outside of his advisory work, he serves as a director for the Lions Club of Cambria, a nonprofit focused on community service and youth improvement. Mutual Advisors, LLC serves a diverse client base ranging from individual investors to institutional clients, managing approximately $9.45 billion through 154 advisors. The firm offers a variety of services including asset management and financial planning, utilizing both active and passive strategies tailored to each client’s objectives.

Kevin Klipfel is a financial advisor at J. W. Cole Advisors, Inc. with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including Grove Point Advisors LLC and LPL Financial, LLC. Outside of advisory roles, he serves as Vice President of Meritage Asset Management Group. J. W. Cole Advisors operates a large network of independent investment adviser representatives and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms for individuals, high-net-worth clients, and institutional accounts. The firm utilizes both discretionary and non-discretionary management strategies, combining fundamental and technical analysis, and integrates digital advice providers in its client solutions.

Rita Ingram is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and 15 years of industry experience. She previously worked at Principal Securities Inc and Principal Life Insurance Company from 2010 to 2023 before joining Elevare Advisors and Commonwealth Financial Network in 2023. Her other business activities include fixed insurance sales conducted during business hours at her branch location. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients through a variety of advisory programs and services. The firm provides operations, trading, technology, investment management, compliance, and practice-management support, with a focus on customizable portfolio construction and model portfolios managed by its Investment Management and Research team.

Peter Giannini is a financial advisor at Independent Financial Group, LLC with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including First Allied Advisory Services, INC., The Thom Group, and PRUCO Securities, LLC. Outside of his advisory role, Giannini serves as a board member of The Black Brant Group, a nonprofit, and volunteers on the board of Morro Bay Pups, a local dog park organization. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm offers financial planning and portfolio management using both firm- and third-party models, combining strategic asset allocation with active and passive investment strategies.

Andrea Klipfel is a financial advisor with J. W. Cole Advisors, Inc. She holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining J. W. Cole Advisors, she worked at Grove Point Advisors LLC and LPL Financial LLC. Outside of the financial industry, Klipfel owns and instructs at Zentegrity Yoga Therapies, an online yoga studio. J. W. Cole Advisors operates through a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms for individuals, high-net-worth clients, and institutions.

Ryan Langstaff is a financial advisor with Commonwealth Financial Network and holds Series 63 and Series 65 licenses. He has 23 years of industry experience, including ten years at Independent Financial Group and time at Legacy Retirement Advisors, which he co-owns. Langstaff operates in Paso Robles, CA. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Evan Langstaff is a financial advisor at Commonwealth Financial Network with Series 65 credentials and three years of industry experience. He previously worked at Legacy Retirement Advisors from 2018 to 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of about 2,900 affiliated advisors and managing approximately $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed account programs, third-party asset manager access, retirement consulting, and custody services.

Jennifer Langstaff is a financial advisor with Commonwealth Financial Network, holding the CFP® designation and Series 63 and 66 licenses, with 31 years of industry experience. She has worked at Commonwealth Financial Network since 2023 and previously was with Independent Financial Group, LLC for ten years. Langstaff is also a co-owner of Legacy Retirement Advisors, a private entity involved in securities, advisory, and insurance services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm offers a comprehensive adviser support platform with discretionary and nondiscretionary managed account programs, access to third-party asset managers, and a variety of investment options.

Robert Carey is a financial advisor at Cetera Planning Partners with 19 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at multiple firms, including Avantax and Cetera Wealth Services. Carey is also involved with Carey & Hanna CPAs and has served as a principal of Snarpezel.com, Inc. for over a decade. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services with a diversified investment approach tailored to client objectives and risk tolerance.

Alicia Fleurquin is a financial advisor with Benjamin F. Edwards & Company, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to joining Benjamin F. Edwards, she worked at LPL Financial for 15 years. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, pension plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, retirement plan consulting, and investment management through a variety of strategies managed internally and by third-party managers.

Joan Tozer is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 23 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and previously was employed by the US Census Bureau. Outside of her advisory role, she is an agent selling fixed insurance products including life insurance, annuities, and long-term care. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Bruce Williams is a CFP® professional with 25 years of industry experience. He has worked at LPL Financial since 2017 and previously spent 17 years at Blakeslee & Blakeslee. Bruce operates out of Paso Robles, CA. 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 offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Chloe Feingold is a financial advisor at Edward Jones in Paso Robles, CA, holding a Series 66 designation with two years of industry experience. She has previously worked at Silicon Valley Bank and Onymos. Outside of her advisory role, Feingold mentors startups on go-to-market strategies and sales. Edward Jones is a full-service wealth management firm serving individual and institutional clients nationwide. The firm manages a range of advisory programs and affiliated investment products, supported by a large network of financial advisors and branch offices.

Nelson Pamplona is a financial advisor with Edward Jones in Morro Bay, CA, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at Zimmer Biomet and Arthrosurface. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.