Jason Zeroll is a financial advisor with Charles Schwab in San Clemente, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset strategic allocation approach supported by in-house research and alternative investment options.

Glori Crumpley is a financial advisor with Ameriprise in Fallbrook, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. Her prior roles include positions at Davies Financial Advisors, Optivest, Inc., and Gramercy Securities, Inc. She also owns Crumpley Consulting Services LLC, a business offering consulting, bookkeeping, and notary services. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Stephen Rohde is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Ameriprise Financial Services, Southwest Securities Inc., Hilltop Securities Inc., STIFEL, Crowell, Weedon & Co., and A.G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in real estate rental activities in Fallbrook, California. 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 a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a broad network of investment adviser representatives.

Kun Er Lu is a financial advisor at LPL Financial with 23 years of industry experience. He has held his current role since 2008 and previously worked at Edward Jones for one year. He holds Series 63 and Series 66 designations. 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, portfolio management programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies with a range of investment options and supporting technology tools.

Douglass Cosgrove is a financial advisor with UBS Financial Services in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS Financial Services and its predecessor, Paine Webber, since 1994. Outside of his advisory role, he serves as a reserve police officer for the Huntington Beach Police Department. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm provides a wide range of services including fee-based financial planning, portfolio management, and institutional trading capabilities.

Norma Arroyo Bravo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with J.P. Morgan Chase Securities LLC and JP Morgan Chase Bank since 2016. Outside of her advisory role, she is a partner and owner of Bucked Up, a business focused on promoting dietary and athletic nutrition products through social media platforms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates systematic quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Brian Hale is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Morgan Stanley and Waddell & Reed. He is also involved in Hale Chaplain Ministries, Inc., a nonprofit organization he has been associated with since 2012. 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 with a broad platform that includes financial planning, model portfolios, third-party asset management, and institutional programs.

Hayley Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has worked at LPL Financial since 2014, following roles at Stratos Wealth Partners, Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning and model portfolio programs.

Ben Bresnahan is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at J.P. Morgan in various roles since 2013, as well as at Merrill and Banc of America Investment Services early in his career. 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 selection, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, and it maintains broader derivatives and commodities capabilities relative to many institutional advisory programs.

Gerald Brown is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities LLC since 2013. Outside of his advisory role, he engages in e-commerce by selling sports memorabilia on eBay. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility criteria in its recommendations.

Chase Jenson is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Transamerica Financial Advisors and World Financial Group. Outside of his advisory role, he is involved in business ventures including Rainmaker Marketing LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services, utilizing a variety of advisory strategies and advanced tools to support its network of over 22,900 advisors.

Mohammad Ali is a Series 66–licensed financial advisor at Edward Jones with seven years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2015 to 2024. 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, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Scott Brown is a financial advisor at UBS Financial Services with 23 years of industry experience and holds a Series 66 designation. He previously worked at Merrill for nine years before joining UBS in 2013. Scott is based in San Clemente, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to clients’ goals and risk tolerances.

David Lopez is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Osaic Wealth. His prior experience includes roles at Citigroup Global Markets and Wealthcare Alliance. He independently analyzes clients’ insurance needs, making recommendations concerning life insurance, estate plans, and long-term health care. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through multiple programs such as financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools, and is notable for its scale, complex affiliate network, and recent consolidation activities.

Austyn Plumlee is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior roles include positions at Spiegel Financial, Young Company, NDM Communications, SKD Studios, Orion Risk Management, and Rockin Baja Lobster. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by a range of managed portfolio options and third-party managers.

Tara Garcia is a Series 66-licensed financial advisor with Edward Jones in San Clemente, CA, where she has worked since 2016. She has two years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Scott Sinek is a financial advisor with Mass Mutual Investors Services in San Juan Capistrano, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2003. Outside of his advisory role, he is involved in legal work related to wills and trusts as "Of Counsel" at Blied Dillon & Mackey and coaches basketball. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to support collaborative, annual planning engagements.

Colin Smith is a CFP® professional with 18 years of experience in the financial industry. He has worked at Edward Jones since 2007 and is based in San Clemente, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm offers a range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

Reed Romo is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and has worked previously at Cetera and Cetera Wealth Services, LLC. Outside of his advisory roles, Romo was involved with Craft House for five years. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored planning and risk profiling tools and supports advisory programs with advanced technology and specialized municipal and retirement plan services.

Amir Arbabi is a financial advisor with OSAIC in Dana Point, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Woodbury Financial Services, Resources Investment Advisors, Independent Financial Partners, LPL Financial, Morgan Stanley, and Merrill. He is also the managing partner of Insight Endeavors LLC and managing director of ClearPath Strategic Consultants, both involved in investment and insurance advisory services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization with tools such as risk-tolerance questionnaires, efficient frontier analysis, and rebalancing.