Damon Friedman is a CFP® professional with 13 years of experience in the financial industry. He has worked at Commonwealth Financial Network since 2021 and previously spent five years with an independent financial group. Outside of advising, he is a co-owner of Caliber Pacific Construction, a general contracting business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm provides a broad range of managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Sergey Lyubyatinskiy is a financial advisor at GWN Securities Inc. with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and AXA Advisors. Outside of his advisory role, he is also involved in fixed insurance and annuity business as an agent. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies from traditional asset allocation to legacy market-timing and momentum-based methods.

Robert Sneller is a financial advisor at J. W. Cole Advisors, Inc. with two years of industry experience. Prior to joining J. W. Cole, he worked at The Winfield Group and Grand Canyon University. In addition to his advisory role, he is licensed as a residential real estate agent in California. J. W. Cole Advisors operates a large network of independent Investment Adviser Representatives and provides fee-based portfolio management, financial planning, retirement plan services, and third-party manager platforms for individual, high-net-worth, and institutional clients. The firm employs a blend of fundamental and technical analysis along with model- and manager-based strategies to implement client solutions.

Steven Bliss is a financial advisor at NewEdge Advisors with 11 years of industry experience. He holds a Series 63 designation and has a background as an attorney, practicing law since 1991. He has worked at Mission Trails Financial since 2015 alongside his role at NewEdge Advisors. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, retirement plans, corporations, trusts, estates, and charitable organizations through independent adviser representatives. The firm offers a range of portfolio management and consulting services and employs multiple program structures incorporating in-house and third-party strategies, with an emphasis on centralized due diligence and technology integration.

Debbie Payne is a Series 65-licensed financial advisor with Brookstone Capital Management LLC, where she has worked since 2013. She has 12 years of industry experience and has been self-employed since 2009. Outside of her advisory role, she is a partner in Payson Financial, an insurance and financial services firm, alongside her spouse. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning services to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily through discretionary model portfolios and managed accounts and supports a large advisor network with back-office and turnkey asset management platform services.

Matthew Fallesen is a financial advisor with Primerica Advisors in Temecula, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at Edward Jones, Guardian Life Insurance Company, Farmers Financial Solutions, and Farmers Insurance. Outside of advising, he is the founder and CEO of Redy U, Inc., a life skills education company, and is involved in teaching and performing classical music with local colleges and the San Diego Master Chorale. He is also the author of *The Art of Phone Sales*. Primerica Advisors serves a broad retail client base with transaction-based brokerage and fee-based advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary and third-party managers and supports various account-level services including lending solutions and donor-advised fund options.

Eldon Gutierrez is a financial advisor with PNC Wealth Management, holding a Series 66 designation and seven years of industry experience. He previously worked at Edward Jones for five years and spent nine years with Enterprise Holdings before entering the financial services sector. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees. The firm’s approach utilizes algorithmic risk assessment and delegated portfolio management with mutual funds and ETFs.

Tiffany Dugas is a CFP® professional with 20 years of industry experience, currently serving at Empower Advisory Group. Her prior roles include positions at Valic Financial Advisors and Charles Schwab. She also owns mineral rights inherited from her family, which may generate royalty payments. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates in its financial planning approach.

Christopher Milton is a Certified Financial Planner (CFP®) with 34 years of industry experience. He has been with J. W. Cole Advisors, Inc. since 2013. Milton also operates Milton Wealth Advisors, which involves selling fixed insurance products. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions.

Aaron Johnson is a financial advisor with Transamerica Retirement Advisors, LLC in Temecula, CA, holding Series 63 and Series 66 licenses with four years of industry experience. His prior work includes roles at Fidelity Investments and Transamerica Investors Securities, LLC. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs and investment education services. The firm uses proprietary software and model portfolios from Morningstar Investment Management to provide personalized asset allocation and retirement guidance.

William Standridge is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2017, following a year at HSBC Bank USA, N.A. The firm serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. Citigroup Global Markets is notable for its large institutional scale, in-house research capabilities, and specialized market roles such as security-based swap dealing and futures commission merchant activities.

Joshua Byer is a financial advisor at J. W. Cole Advisors, Inc. with 21 years of industry experience. He has been with J. W. Cole Advisors and its affiliated entities since 2013 and has worked at Milton Financial since 2001. He holds a Series 66 designation. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, and access to multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Samuel Payne is a financial advisor with Brookstone Capital Management LLC in Temecula, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has been with Brookstone Capital Management since 2010. Outside of his advisory role, he is involved in referral services for estate planning documents and coordinates social security education through Premier Social Security Consulting, LLC. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions, and supports a large advisor network with back-office and TAMP services.

Christopher Burlingame is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at firms including Bank of America, Merrill, and Wells Fargo. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Jonathan Lopez is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Ameriprise in 2026, he was affiliated with Platinum Wealth Management, Inc. and Independent Financial Group LLC. He also teaches a college course on investing at Mesa College. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which emphasizes written recommendations and ongoing tax-aware income strategies.

Reem Moussa is a financial advisor with LPL Financial in Temecula, CA, holding a Series 66 designation and 13 years of industry experience. She has been with LPL Financial since 2013. 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, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research.

Daniel Oropeza is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Sergio Godinez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and possessing 23 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he has served as a football official with Southern California Collegiate Football Officials for 10 years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s offerings include asset-allocation advice, investment manager and fund searches, and customized performance reporting, delivered through a combination of quantitative modeling and centralized due diligence.

Joseph Vignoni Jr. is a CFP® professional with 16 years of experience in the financial industry. He is currently with Wells Fargo Clearing and has previously worked at Bank of America, Merrill, and U.S. Bancorp Investments. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs, and it acts as an ERISA fiduciary when advising clients.

Nattalie Villarreal is a financial advisor with Wells Fargo Clearing in Temecula, CA, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her prior experience includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, U.S. Bancorp Investments, Inc., and an earlier tenure at Wells Fargo Clearing. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing 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.