Irving Katz is a financial advisor at Cambridge Investment Research Advisors with over 22 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Katz has been with Cambridge since 2020 and previously operated Katz Financial, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a range of portfolio management and model-based solutions tailored to client objectives.

Monica Timmons is a financial advisor at Merrill with Series 63 and Series 66 designations and 32 years of industry experience. She previously worked at Stifel Nicolaus & Co Inc before joining Merrill in 2017. Outside of her advisory role, she owns and operates Rics BarkHaus, a family business in Fallbrook, California, where she boards and trains dogs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by its internal Chief Investment Office and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Garth Wallace is a CFP® and Series 66 credentialed advisor with J.P. Morgan Securities, based in Rancho Santa Margarita, CA. He has 16 years of industry experience and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.

Stephan Winn is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2013. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by over 10,000 advisors and more than $256 billion in assets under management.

Brian Henderson is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within JP Morgan entities since 2011. 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 through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

Anthony Monaco is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

Matthew Coiner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds the Series 66 designation and has worked within various Wells Fargo entities since 2009. Coiner is also a principal at independent wealth management firms based in Murrieta, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm provides a broad planning menu tailored to clients meeting net-worth thresholds, utilizing research, planning tools, and simulation models to develop customized recommendations.

Grant Ostapeck is a financial advisor at Ameriprise with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. He has been with Ameriprise since 2019. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Gilberto Cardenas is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 2015. His prior experience includes work with The Acacia Group dating back to 2002. Outside of advisory services, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation, operating under a tiered wrap fee structure.

William Bohmer is a CFP® professional with 30 years of experience, currently serving at Thrivent Investment Management since 2002. He also holds Series 63 and Series 66 licenses. Outside of his advisory role, he is the treasurer of the Make A Difference Foundation, participating in project decision-making to assist individuals and families in need. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based, holistic analyses and written recommendations on various financial topics, with planning services separate from managed accounts and implementation.

Edward Botros is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LYFT and California State University of San Marcos. Since 2018, he has been associated with various divisions of JPMorgan Chase, including J.P. Morgan Securities. 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 institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Ryan Mc Laughlin is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones for 12 years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party strategies.

Robert Erling is a financial advisor with Ameriprise in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2001. Outside of advising, he is involved in commercial real estate ownership. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines automated tools and personalized review to deliver tailored advice, primarily focusing on assets managed within Ameriprise accounts.

Kari Cierley is a financial advisor at Edward Jones with nine years of industry experience. She holds the CFP® designation as well as Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2017, she worked at Executive Business Services, Inc. from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Burg is a financial advisor with Ameriprise in Temecula, CA, holding Series 63 and Series 65 designations and 39 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in winemaking as a hobby. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm operates as a large institutional provider delivering advisory, brokerage, and insurance solutions through affiliated entities.

John Fountain is a financial advisor with Palomar Advisors Inc. in Temecula, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Palomar Advisors since 2016 and also serves as President and CEO of Creative Wealth Group, where he oversees sales and operations of fixed insurance products. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm offers tailored portfolios actively managed across a broad range of securities and emphasizes services for sponsored retirement plans, including fiduciary support and participant education.

Cletus Emeziem is the principal advisor at CME Strategic Wealth Management in Temecula, CA, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has led CME Strategic Wealth Management since 2016 and is also involved with TradingBlock since 2015. Outside of advisory services, he owns and operates a tax preparation business and is engaged in a resort/vacation sharing marketing role. CME Strategic Wealth Management serves approximately 20 clients, including individuals, high-net-worth clients, charities, and business entities, managing about $549,166 in client assets. The firm offers financial planning, non-discretionary portfolio management, third-party adviser selection, and seasonal tax preparation, using a strategic asset allocation approach with tactical adjustments across various investment vehicles.

Forrest Morrow is the sole advisor at Evidence Based Investing, LLC and holds Series 63 and Series 65 licenses with 23 years of industry experience. He has been self-employed since 2015, operating his independent advisory firm during this time. In addition to advisory services, he provides financial planning including estate planning and risk management, with insurance products offered through a separate entity. Evidence Based Investing, LLC serves individual and high-net-worth clients by selecting and referring them to third-party investment managers rather than managing accounts directly. The firm conducts due diligence on advisers, does not take custody of assets, and is compensated through fee-sharing arrangements instead of asset-based fees.

Robert Coady is a financial advisor with Wealthmark Advisory Group, LLC in San Clemente, CA. He holds Series 63 and Series 65 credentials and has 33 years of industry experience. Prior to founding Wealthmark Advisory Group in 2013, he has been associated with Wealthmark Financial & Insurance Services, Inc. since 1991. He is also an independent insurance agent specializing in disability, life, accident, and health insurance. Wealthmark Advisory Group is a single-advisor registered investment adviser providing discretionary portfolio management and financial planning to individuals and a select number of institutional clients, including corporations and retirement plans. The firm offers customized portfolio allocations using individual securities and mutual funds and delivers ERISA and retirement-plan consulting services.