Damon Friedman is a CFP® professional with 14 years of experience in the financial industry. He is currently affiliated with Commonwealth Financial Network and has prior experience at Independent Financial Group and Kestra Investment Services, LLC. Outside of advisory work, he is a co-owner of a general contracting business, Caliber Pacific Construction. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm offers a broad platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody/clearing services, serving individual and institutional clients across the United States.

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 with NewEdge Advisors in Temecula, CA, holding a Series 63 credential and 11 years of industry experience. Prior to joining NewEdge in 2025, he spent 10 years at Mission Trails Financial. He is also an attorney, owning Steven F. Bliss, Attorney at Law since 1991. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a wide range of services, including portfolio management, financial planning, and retirement consulting, utilizing both in-house and third-party manager strategies with an emphasis on due diligence and technology integration.

Debbie Payne is a Series 65 registered advisor with Brookstone Capital Management LLC, where she has worked since 2013, accumulating 13 years of industry experience. She also has 17 years of self-employment experience and is a partner in Payson Financial, an insurance and financial services partnership. Additionally, she is involved with Premier Social Security Consulting, LLC, coordinating social security classes, and serves as an associate business consultant with Asset Marketing Systems. Brookstone Capital Management provides fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other entities. The firm utilizes a range of strategic and dynamic asset-allocation models and integrates proprietary funds and sub-advisors to implement client portfolios.

Matthew Fallesen is a financial advisor at Guardian Life with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones and Farmers Financial Solutions. Outside of advising, he is the founder and CEO of Redy U, a life skills education company, and is involved in classical music teaching and singing with several local institutions. Guardian Life’s Park Avenue® Wealth Management offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses, combining advisor-led discretionary management with model-based strategies and providing access to proprietary and third-party investment solutions.

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 over 21 years of experience in the financial services industry. She is currently with Empower Advisory Group and has previously worked at firms including Charles Schwab, Fidelity, and Valic Financial Advisors. Outside of financial advising, she is a mineral rights owner and may receive royalty payments from inherited oil and gas interests. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio outcomes and savings rates, delivered through a platform tied to Empower’s recordkeeping and administrative systems.

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 a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Daniel Oropeza is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their advisory process combines quantitative screens and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Sergio Godinez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 23 years of industry experience. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, NA since 2010. Outside of his advisory role, he has spent ten years officiating collegiate football games in Southern California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research and includes an ESG eligibility framework.

Joseph Vignoni Jr. is a CFP® designated financial advisor with 17 years of industry experience, currently with Wells Fargo Clearing. His prior experience includes roles at Bank of America, Merrill, U.S. Bancorp Investments, and earlier positions within Wells Fargo affiliates. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of 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.

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.