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 licenses and bringing 35 years of industry experience. His career includes roles at Sagepoint Financial, Inc. and operating his own financial services firm since 1997. Outside of advisory work, he serves as Vice President of Operations for Pacific Custom Systems, Inc., where he oversees operations, budgeting, and contract negotiation. OSAIC Wealth serves a wide range of clients including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple programs and a multi-advisor platform. The firm’s investment approach uses model-based asset allocation and portfolio optimization, supported by advanced tools and a variety of discretionary and non-discretionary strategies.

Yesenia Gil is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 license and two years of industry experience. She previously worked at Wells Fargo Private Bank for six years and Wells Fargo Clearing for two years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Greer Moseman is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 license and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021. Prior to that, she was involved with The Art Of Coaching and Coast Volleyball Club, and attended the University of North Carolina Chapel Hill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and proprietary planning tools as part of 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.

Robert Winston is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he serves as a lifetime-appointed board member of the Selective Service System, a position made by the President of the United States. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Brian Mclean is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His career includes roles at The Retirement Group, LLC; FSC Securities Corporation; Wilsey Asset Management Incorporated; and LPL Financial. He serves as a volunteer director on the board of Casa de las Campanas, a nonprofit retirement community in North San Diego County. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a multi-advisor platform offering brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and a range of customizable strategies.

Ross Hansen is a financial advisor affiliated with LPL Financial, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience with previous roles at firms including Edward Jones, Morgan Stanley, and U.S. Bancorp. Hansen is based in Carlsbad, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions through a broad network of investment adviser representatives.

Kathleen Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in investing, wealth management, and tax minimization, working closely with individuals and families to help them preserve and invest their wealth smartly and tax efficiently. Kathleen focuses on understanding the goals and values of her clients to provide tailored planning across various areas such as retirement income, legacy planning, philanthropic planning, and small business strategies. Before joining Merrill, Kathleen spent a decade at investment management firms including Goldman Sachs and AllianceBernstein. She holds the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) designations. Kathleen earned a Bachelor of Science in Finance and Bachelor of Arts degrees in Economics, Spanish, and International Studies from The Pennsylvania State University. Originally from Philadelphia, Kathleen resides in Carlsbad, California with her husband and two daughters. Outside of her professional work, she is involved with the Carlsbad Fire Department Foundation and the San Diego Penn State Alumni Association. Her personal interests include cooking, football, interior decorating, music, reading, running, soccer, traveling, yoga, and spending time with her family.

Shane Terry is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with LPL Financial since 2015. Terry also operates Terry Capital, Inc., an investment-related business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives who utilize a range of discretionary and non-discretionary investment strategies.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. 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 through a large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.

Mark Vigil is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and with 28 years of industry experience. His prior roles include positions at Kestra Investment Services, Morgan Stanley, Merrill, and Wells Fargo Investments. He is also Managing Director of Tailwind Wealth Advisors, an independent RIA providing investment advisory services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools across a wide range of investment strategies.

Robert Otwell is a Series 66-licensed financial advisor with over 21 years of industry experience. He is affiliated with LPL Financial and has worked concurrently at Lincoln Park Financial Group since 2004. Otwell also has a longstanding association with Commonwealth Financial Network and is connected to Loyola University Chicago. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, incorporating various portfolio management options and institutional platforms.

Ryan Montes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at E*Trade Financial Corporation, Morgan Stanley, Charles Schwab, TD Ameritrade, Massachusetts Mutual Life Insurance, and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Ariana Jordan is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA. She holds a Series 66 designation and has nine years of industry experience, including a prior role at Investment Technology Group. Jordan has been with Wells Fargo Clearing since 2017. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets, supporting a large network of financial advisors and offering both brokerage and advisory solutions.

Matthew Kaiser is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and five years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Wealth Management since 2021. Prior to his financial services career, he held positions at Chipotle Mexican Grill and the University of California, Irvine. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market models.

Monique Neal Corotis is a financial advisor at Edward Jones with 15 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. 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 provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.