Glori Crumpley is a financial advisor with Ameriprise in Fallbrook, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. Her career includes roles at Davies Financial Advisors, Gramercy Securities, and other firms. Outside of her advisory work, she owns Crumpley Consulting Services LLC and GC Consulting, which provide consulting, bookkeeping, and notary services. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations delivered through a centralized consulting team.

Victor Koby is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of integrated custody, brokerage, and advisory services.

Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stephen Rohde is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Ameriprise Financial Services and Southwest Securities. Outside of his advisory work, he has been involved in real estate rental ownership since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting supported by model portfolios and research from multiple sources.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and over 26 years of industry experience. He has been with Equitable Advisors since 2005 and maintains a separate accounting practice through Bandemer Accountancy Corporation, where he serves as owner and president. Bandemer is also involved in community and local governance activities, including serving on the board of directors for the Carlsbad Rotary Foundation and as president of the Bressi Ranch Home Owners Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model that incorporates multiple third-party asset managers and offers both advisory and brokerage services.

Valerie Arenas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Norma Arroyo Bravo is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan Chase Securities and JP Morgan Chase Bank since 2016. Outside of her advisory role, she is an owner and partner of Bucked Up, a dietary and athletic nutrition business that she promotes through social media platforms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory process.

Randy J. Taylor is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been a part of the firm for nine years within his 17-year career in financial services. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation and serves as a founding member and one of three senior partners of the Merrill Lynch Wealth Management team, Taylor & Associates. Randy and his team provide clients with a comprehensive wealth management service model, emphasizing work ethic, dependability, trust, and accessibility. Randy works closely with business owners, senior executives, physicians, families, and beneficiaries of generational wealth, focusing on personalized wealth management strategies that are disciplined, purposeful, and tax efficient. His team's expertise covers personal financial planning, lending, business acquisitions, private business sales, custom lending, and business transitions with tax efficiency considerations. He also coordinates with clients’ external advisors such as estate planning attorneys and CPAs and offers access to additional services through Bank of America, including Investment Banking, Commercial Banking, and Personal Banking. Randy’s educational background includes a High School Diploma from Torrey Pines High School and attendance at Liberty University. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional life, Randy is a husband and father to three children. He enjoys fitness activities such as playing pickleball and surfing, as well as writing and performing original music. Traveling and making memories with his family are among his personal interests.

Hillary Clarke is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on developing personalized financial strategies tailored to clients' risk tolerance, liquidity needs, and time horizons to support their unique life goals. Hillary holds a California Insurance License, which complements her financial consulting expertise. Outside of her professional work, she engages in personal interests such as gardening, tennis, traveling, and volunteering.

Hayley Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked with LPL Financial since 2014 and was previously affiliated with Stratos Wealth Partners, Ltd. Outside of her advisory roles, she has been involved in providing investment advisory services through Stratos Wealth Partners, an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by internal research and third-party subadvisors.

Ben Bresnahan is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63, 65, and 66 registrations and has worked at various J.P. Morgan entities since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Gerald Brown is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and over 12 years of industry experience. He has worked with various divisions of JPMorgan Chase since 2009. Outside of his advisory role, he is involved in selling sports memorabilia through an e-commerce platform. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Lauren Peck is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. She has been with J.P. Morgan Securities LLC since 2016. Outside of her advisory role, she manages short-term rental properties through Airbnb. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Alan Willenbrock is a CFA® charterholder with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2019. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside his advisory work, he serves on an advisory committee for UA Venture Capital Find III, which involves reviewing valuations and fairness of fund acquisitions. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

David Delino is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Unionbanc Investment Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Mohammad Ali is a Series 66–licensed financial advisor at Edward Jones with seven years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2015 to 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Ann Reagan is a financial advisor at Cetera with 13 years of industry experience and holds the Series 66 designation. She has worked at several firms including Avantax and Landmark Financial Management, where she also serves in an administrative capacity. Reagan is additionally involved with Monheit Frisch Group PLC as an assistant. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform and supports diverse investment strategies with discretionary and non-discretionary authorities.

Andrea Ashbacher is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Her prior work includes 14 years at SagePoint Financial, Inc. She also operates a corporate investment advisory service and provides insurance recommendations related to life, health, and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Ara Hunt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of experience primarily with Wells Fargo since 2019. Prior to joining Wells Fargo, Hunt worked in the hospitality industry with Hilton Hotels and DoubleTree By Hilton. 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 and offers a range of brokerage and advisory solutions supported by research and analytics from internal and third-party sources.