Erik Simmons is a financial advisor with Ameriprise who holds a Series 63 designation and has 30 years of industry experience. Prior to joining Ameriprise, he worked at Axxcess Wealth Management LLC and Arete Wealth Management LLC for eight years. He is based in Carlsbad, CA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Carlos Caceres Jr. is a financial advisor with Raymond James Financial, holding a Series 63 credential and bringing 33 years of industry experience. He has worked with firms including Mission Fed Investment Services, Raymond James Financial Services Advisors, and U.S. Bancorp Advisors. Outside of his advisory role, he serves as a trustee for a personal investment entity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and supports municipal advisory services and specialized employer advisory programs.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Terence Seymour is a Series 66-licensed financial advisor with Edward Jones in Carlsbad, CA, and has 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 advisors and 15,000 branch offices.

Kendra Williams is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has worked at Primerica Financial Services since 2023 and has held various roles, including positions at Mount San Jacinto College and Nordstrom. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program with model-based investment strategies managed by unaffiliated asset managers.

Christopher Wells is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 30 years of industry experience, including seven years at Commonwealth Financial Network prior to joining LPL Financial. His other business activities include involvement with AZCA Financial Group LLC, an entity related to his LPL business. 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, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving more than 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 strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Hachigian is a Series 66 licensed financial advisor with 11 years of industry experience. He is currently with LPL Financial, where he has worked since 2022, and previously spent seven years at Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, including access to third-party asset managers and institutional platforms.

Christine Wale is a financial advisor with LPL Financial in Carlsbad, California, holding a Series 66 designation and 6 years of industry experience. She has worked with LPL Financial since 2014 and also operates Wale Advisory Group Inc, which has been active since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and model portfolio programs. The firm supports its network of advisors with various investment tools and platforms, overseeing over $819 billion in discretionary assets.

Paul Wendee is the owner and Chief Investment Officer of Paul M. Wendee & Associates with 35 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Wendee has previously worked at firms including Entoro Capital, Exemplar Capital, and Silber Bennett Financial. He serves as an adjunct professor at California Baptist University and California State University Los Angeles and is the owner, editor, and publisher of the Intrinsic Value Wealth Report newsletter. Paul M. Wendee & Associates provides discretionary investment management primarily for pooled investment vehicles and institutional clients. The firm uses in-house analytical methods including security ratings and limited market timing and may engage sub-advisors to manage accounts.

Cynthia Tam is a CFP® with 23 years of industry experience. She has worked at several firms, including Newport Coast Securities and Questar Asset Management, before founding Native Finance Investment Advisory in 2013. Outside of financial advising, she owns businesses involved in tax preparation, insurance, and financial policy development for tribal governments. Native Finance Investment Advisory is an independent, solo advisory firm that serves individual clients, primarily focused on insurance products and brokerage activities rather than discretionary portfolio management. The firm emphasizes privacy and data practices related to client information.

Jonathan Moffat is a financial advisor at Aligned Advisors with 19 years of industry experience. He holds a Series 66 designation and has been with Aligned Advisors since 2015. Outside of his advisory role, he serves as secretary and board member of Launch Dental, LLC, a company focused on operations management for dental practices, and is a partner at DSO CFO, LLC, which provides bookkeeping and payroll services to dental offices. Aligned Advisors offers financial planning and advisory services primarily to high-net-worth individuals through a structured Financial Road Map process. The firm provides advice without exercising investment discretion, with clients responsible for implementing recommendations and using their chosen custodians or managers for execution.

Michael Belgard is a financial advisor at Aligned Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Waddell & Reed and Axiom Property Management. Outside of finance, he directs plays for small community theater companies. Aligned Advisors provides financial planning and advisory services primarily to high-net-worth individuals through a structured Financial Road Map process. The firm delivers advice without investment discretion and relies on clients for implementation and oversight.