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 at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012, also maintaining a concurrent role with Jpmorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and includes a broader range of derivatives and commodities capabilities.

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 credentials and has worked at several firms, including Securities America Advisors, Inc., Securities Service Network, Inc., and Advantage Financial Group LLC, where he has maintained a long-standing affiliation. His other business activities include occasional insurance sales and servicing through Advantage Financial Group LLC. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing both discretionary and advisor-managed strategies supported by risk-tolerance analysis and rebalancing tools.

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.

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 and holds a Series 66 designation. Prior to joining OSAIC in 2025, she worked at The Vanguard Group, Inc. for five years. She also assists with tax return preparation for financial planning clients through her role as a tax associate with Bishoff Tax Advisors and Bishoff Financial. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and a range of managed account programs.

Darrell Hesford is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Wells Fargo Investments, LLC and Wells Fargo Clearing, contributing over 20 years within the Wells Fargo organization. Outside of finance, Hesford is a minority owner of a restaurant and brewery in Temecula, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Crane is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as Secretary of the San Diego Adult Baseball League Charity for Kids, a nonprofit supporting adult baseball and youth sports initiatives in the San Diego area. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers integrated planning and managed-account services with an emphasis on written recommendations across various financial topics.

Steven Richards is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 63 designation and bringing 40 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for 26 years. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory services with technology and operational tools across a broad network of more than 22,800 advisors.