Jose Thomas is a financial advisor at Edward Jones with 24 years of industry experience. He has been with Edward Jones since 2001 and holds Series 63 and Series 66 designations. 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 nationwide network of more than 23,700 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Isaac White is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served at the San Diego County Sheriff's Office for 17 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the United States.

Bryan Diaz is a Series 66-credentialed financial advisor with 22 years of industry experience. He has worked at LPL Financial since 2018 and previously held roles at Bank of America, Merrill, Banc of America Investment Services, and Morgan Stanley. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools that assist advisors in delivering customized investment strategies.

Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jeffrey Lung is a CFP® professional with 20 years of industry experience, currently serving at Fidelity Investments. His career includes roles at major firms such as Charles Schwab, Morgan Stanley, TD Ameritrade, and Mercer Global Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to diverse clients, including retail and institutional investors. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios and advisory services that include management oversight and fund consulting.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. Charles Schwab & Co., Inc. serves a large client base of 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 offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.

Robert Menz is a financial advisor with LPL Financial in Fallbrook, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at National Planning Corporation for eight years and UBS Financial Services for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Daniel Avan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Richard Kelly III is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Fantic USA, Lucidity Business Development, and Focus Bicycles USA. 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 under management through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products.

Jason Davis is a financial advisor with LPL Financial in San Marcos, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at California Bank & Trust since 2019 and previously held roles at Unionbanc Investment Services, MUFG Union Bank, and Wells Fargo Clearing. Outside of his advisory work, he acts in a fiduciary capacity for the Davis Family Trust. 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 portfolios, and institutional platforms, supported by extensive resources and a large network of advisors.

Olga Mazhar is a financial advisor with Primerica Advisors in Vista, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has work history including roles at Rensana, PFS Investments Inc., and Primerica Financial Services since 2021. Outside of her advisory work, she holds a membership interest in Dialysis Management Group, a healthcare organization management firm. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trades and custody through Pershing and BNY Mellon Advisors.

David Spataro is a financial advisor with Ameriprise in Carlsbad, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., The Quantum, and Ivy Distributors, Inc. He has been with Ameriprise since 2021. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver personalized, algorithm-supported advice.

Avinash Alwani is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with Jpmorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis with a centralized due-diligence framework that includes an ESG eligibility process.

Carlo Boton is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2021. His prior experience includes six years at Cuso Financial Services and 25 years at North Island Credit Union. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored recommendations that combine research, modeling, and tax-efficiency analysis through a centralized consulting team.

Pamela Givens is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her career includes positions at Wells Fargo Investments and Citigroup Global Markets. Outside of her advisory work, she manages a rental property. 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, and institutional platforms, supported by extensive operational and research tools.

Jennifer Forsstrom is a financial professional with Cetera and holds a Series 66 designation. She has four years of industry experience, including roles at Cetera Wealth Services, LLC and First Financial Equity Corporation. Outside of her advisory work, she is an independent wellness advocate for doTERRA, where she teaches others about the use of essential oils. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform that supports bespoke and model portfolio strategies.

Thomas Hurt is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2024. Prior to joining OSAIC, he was affiliated with Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network, Inc., and he also maintains an insurance sales and servicing role with Advantage Financial Group LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset allocation tools, risk assessments, and third-party platforms to construct and manage portfolios across a broad range of investment vehicles.

Don Williams is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently with LPL Financial and has held positions at several firms including CUSO Financial Services and Thrivent Advisor Network. Williams is involved with Financial Advocates, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions through a broad range of advisory and brokerage services, employing various investment strategies and technology tools.

Brock Bracamontes is a financial advisor at Edward Jones in San Marcos, CA, holding Series 63 and Series 66 designations with two years of industry experience. His prior work experience includes roles at Northwestern Mutual Wealth Management and Anheuser Busch InBev. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Roy Woehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Wells Fargo Clearing from 2003 to 2005. 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 financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, with advisors using a variety of discretionary and non-discretionary strategies supported by research and technology tools.