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. She has been with LPL Financial since 2016. Outside of her advisory work, she manages a real estate rental property. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutions, offering various advisory programs and financial planning services.

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 financial advisor with LPL Financial based in San Marcos, CA. He holds a Series 66 designation and has 25 years of industry experience. His prior positions include roles at Independent Financial Group, Foreside Fund Services, Eventide Asset Management, and Thrivent Advisor Network. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and research from LPL Research.

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. Outside of his advisory role, he is a co-owner of a rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm provides a broad range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Jean Vincent is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked in various capacities within Morgan Stanley since 2004, including positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Karen Lacey is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2000. Merrill, along 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, retirement plans, corporations, and charitable organizations.

Jon Vance is a financial advisor at Raymond James & Associates with 16 years of industry experience. He has worked with Raymond James since 2017 and previously spent three years at RBC Capital Markets. Outside of his advisory role, he serves as a trustee for Vance IRA, a family trust he co-manages with his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing diverse portfolio management styles and an extensive affiliate network.

Douglas Mc Dowell is a financial advisor with Edward Jones in Pensacola, FL, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018, following roles at the College of William and Mary and Bradley-Morris, Inc. Outside of advising, he is a member of Kildare Restoration LLC, a real estate venture focused on residential properties, although he currently has no holdings in the entity. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a broad range of advisory services and maintains a nationwide network of advisors and branch offices.

Zachary Tapia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Farmstead, DoorDash, and Milliman, among others. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Amber Hepler is a financial advisor at OSAIC with three years of industry experience. She holds a Series 66 designation and has previously worked at The Vanguard Group, Inc. She is also involved in tax preparation activities through a tax associate role with an affiliated DBA firm. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services supported by firm-provided tools and multiple advisory platforms.

Darrell Hesford is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is a part-owner of Hendo's Brewing & Spirits, a restaurant and brewery in Temecula, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Robert Crane is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, Crane serves as Secretary for the San Diego Adult Baseball League Charity for Kids, a nonprofit supporting adult baseball players and youth programs in underprivileged areas. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering holistic, goal-based financial planning without discretionary trading authority. The firm allows clients to integrate planning with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate services.

Steven Richards is a financial advisor at LPL Financial with 40 years of industry experience. He has worked previously at Western International Securities, Inc. for eight years and Financial West Group for 26 years. Richards holds a Series 63 designation and is based in Carlsbad, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and advanced technologies.

Gino Russo is a financial advisor with Mass Mutual Investors Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. His prior work includes positions at Northwestern Mutual and Adifo UCAP. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars. The firm structures financial planning as ongoing, collaborative relationships focused on goal analysis and written recommendations.

David Klenske is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and 39 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 10 years before joining LPL Financial in 2019. Outside of his advisory role, he is involved in healthcare markets and operates a business entity related to his investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, employing both discretionary and non-discretionary management supported by model portfolios, research, and various investment strategies.

Mona Corbett is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Woodbury Financial Services Inc and Securities America Advisors. Corbett is involved in other business activities including operating a wellness center and providing financial planning and insurance services focused on life, disability, long-term care, and health insurance. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of advisors. The firm offers integrated brokerage and advisory services with portfolio construction that includes a range of asset classes, and it supports various third-party and legacy platform solutions.