Suman Achari is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked previously at Central Pacific Bank, LPL Financial, and Orange County's Credit Union. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to both affiliated and third-party money managers.

Megan Shoemake is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having also worked at JPMORGAN Chase Bank, N.A. since 2008. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Bryce Street is a financial advisor with LPL Financial in Temecula, CA, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Adam Henderson is a financial advisor with LPL Financial in Temecula, CA, holding a Series 63 designation and totaling 26 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

Robert Brood is a CFP® with 32 years of industry experience, currently affiliated with LPL Financial since 2025. Prior to joining LPL, he spent over two decades at Cetera and CETERA Financial Specialists LLC. Outside of his advisory role, he is a principal at Brood and Seibert CPA's, a tax preparation and accounting firm he has been involved with since 1995. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by in-house and third-party research, utilizing both discretionary and non-discretionary management approaches.

Adam Crane is a financial advisor with Edward Jones in Temecula, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Morgan Stanley from 2018 to 2022 and spent three years at Taylormade Golf Company. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment services through a large national network of financial advisors and branch offices.

Darren Canada is a financial advisor with Raymond James Financial, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. He has worked at Raymond James Financial since 1999 and owns TC Financial LLC, a support company related to his advisory activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports both advisory programs and institutional consulting.

Stephanie Oropeza is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with J.P. Morgan Securities since 2014 and has also worked with JPMorgan Chase Bank, N.A. since 2012. 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 brokerage, distribution, and investment management capabilities.

Steven Amacher is a financial advisor with Merrill, holding a Series 66 designation and based in Hemet, CA. He has one year of industry experience, having previously worked at NYLIFE Securities LLC and New York Life Insurance Company, as well as a 15-year tenure with IBEW Local 47. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mark Anselmo is a CFP® professional with 34 years of experience in the financial services industry. He is currently affiliated with LPL Financial and previously worked with Cambridge Investment Research, Inc. for over 20 years. He also owns a non-investment business entity, Anselmo Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Robert Seibert is a CFP® professional with 24 years of industry experience, currently associated with LPL Financial. He has held roles at Cetera and owns two CPA firms, Brood, Seibert & Lovcik, CPAs, LLP and Brood & Seibert CPA. He is also involved with Heritage Family Investments LLC and serves as a fiduciary for several family charitable remainder unitrusts. 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 advisory programs, financial planning services, and uses research and model portfolios to support discretionary and non-discretionary asset management.

Nguyen Vu is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America, N.A., Bank of America, and Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ramon Baez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior work includes roles at Edward Jones, Merrill Lynch Pierce Fenner & Smith Inc, Bank of America, JP Morgan Securities, and US Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Joshua Goldsmith is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at LPL Financial and leading Goldsmith Financial Corp since 2012. He holds a Series 66 license and operates out of Temecula, CA. Outside of his advisory work, he has entrepreneurial involvement in apparel sales through his home-based business, Poker Gods, and occasional employment as an Uber driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers comprehensive financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and various technology-driven strategies.

Antoni Lucas is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 36 years of industry experience. He previously worked at Wedbush Securities Inc from 2014 to 2025. Lucas is also involved with Genesis Advisors Group LLC, a business entity used for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by internal and third-party research and technology solutions.

Christopher Barbata is a financial advisor with J.P. Morgan Securities in Temecula, CA, holding Series 66 and Series 63 licenses and 10 years of industry experience. He has worked at various J.P. Morgan entities since 2016, including JPMorgan Chase Bank and JP Morgan Securities LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework. The firm offers these services on a non-discretionary basis, with clients retaining final decision-making authority.

Michael Cruz is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

David La Pointe is a financial advisor with LPL Financial in Temecula, California, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.) since 2003. Outside of his advisory work, he is a franchise owner of a Big O Tire store in Cathedral City and holds energy royalties from an investment made in 1984. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning and retirement plan consulting, with access to model portfolios, third-party subadvisors, and research through its network of investment adviser representatives.

Shawn Carvalho is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 2000, including its bank division since 2005, and briefly worked at TD Ameritrade in 2023. 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 a mix of non-discretionary and discretionary investment solutions, combining centralized custody and advisory services with multi-asset model portfolios and alternative investment access.

Jamie Stairs is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has worked at JPMorgan Chase Bank, N.A. since 2013. 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. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.