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 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.

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. His prior positions include roles at Sagepoint Financial, OSAIC Services, Wells Fargo Clearing, and Prudential Equity Group. Klenske is also involved in healthcare market activities outside of his advisory work. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

Peter Savarese is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade Inc. from 2013 to 2024. Savarese is based in Escondido, CA. Charles Schwab & Co., Inc. serves 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 solutions, employing multi-asset model portfolios and centralized operational support.

John Condos is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory role, he acts as a trustee and successor trustee for investment-related trusts. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that combine advisory and brokerage capabilities.

Eric Cooper is a financial advisor with Edward Jones in Oceanside, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked in various roles across staffing, healthcare, and local government sectors. He serves as a board member for the Tri-City Hospital Foundation, a nonprofit organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a national network of financial advisors and branch offices. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Vicente Hinojosa III is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and offering 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Edward Jones, and Comerica Securities and Bank. He serves as president of the Vista Optimist Club and the Vista Education Foundation, and is a board member of the Vista Chamber of Commerce. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, providing a range of brokerage and advisory services supported by advanced portfolio management tools and multiple advisory platforms.

Debra Blemker is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee’s return estimates and Monte Carlo simulations.

Jheneffer Carleto Borsoi Pacheco is a Series 66-licensed advisor with Merrill, based in Carlsbad, CA, and has been with the firm since 2025. Prior to Merrill, she held positions at Bank of America, Global Financial Impact, and other organizations in various roles from 2019 onward. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, with prior experience at Axa and Medline Industries. He serves as a board member and treasurer for the Escondido Chamber of Commerce, a nonprofit organization supporting local businesses. J.P. Morgan Securities 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.

Mark Buckman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 36 years of industry experience. His prior work includes roles at Family Investment Management, LP, where he was involved for 11 years, and UBS Financial Services for 2 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 provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Rene' Flores is a CFP® professional with 29 years of industry experience, currently serving at Edward Jones since 1998. He holds Series 63 and Series 65 licenses and is based in Escondido, CA. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products.

Curt Beyer is a financial advisor with LPL Financial in Escondido, CA, holding Series 63 and Series 66 designations and 26 years of industry experience. He has worked previously at City National Bank, RBC Capital Markets LLC, and Merrill. LPL Financial is a national broker-dealer and 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, with advice delivered primarily through a large network of investment adviser representatives.

David Zerkle is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services, Inc. for 24 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves 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 solutions supported by multi-asset model portfolios and centralized operational resources.

Patrick Weishan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has operated his own advisory services since 1997. In addition to advisory work, he has served as Vice President of Operations at Pacific Custom Systems, Inc. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset allocation tools and third-party platforms to manage portfolios through both discretionary and non-discretionary accounts.

Yesenia Gil is a Series 66-licensed financial advisor at Morgan Stanley with two years of experience in her current role. She previously worked at Wells Fargo Private Bank for six years and held other positions within the Wells Fargo organization from 2010 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its financial planning services.

River Coop is a financial advisor with Ameriprise in Oceanside, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Ameriprise, River worked at Professional Cleaners and Auburn University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.