Xavier Santana Jr. is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Cambridge, he worked in various roles including traffic management and healthcare. Outside of advisory, he is an independent insurance agent for multiple agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charities, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

Juan Forcado is a financial advisor with LPL Financial in Santa Maria, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at CoastHills, Aladdin Bail Bonds, Target Corp., and San Jose State University. He is also a commissioned Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a network of over 22,800 advisors.

Berenice Garcia is a financial advisor with Wells Fargo Clearing in Nipomo, CA, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has worked with Wells Fargo in various capacities since 2008. Garcia serves as treasurer for the Nipomo Youth Softball League, where she helps manage budgeting and financial reporting. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Ryan Sutherland is a financial advisor at Thrivent Investment Management with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill Lynch. He is based in Pismo Beach, California. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and portfolio management services separate.

Candy Soden is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 29 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she assists with invoicing and paperwork for an electrical business in Santa Maria, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment options among its offerings.

Peter Patag is a financial advisor with Thrivent Investment Management and holds Series 63 and Series 66 licenses. He has four years of industry experience, including roles at Thrivent Financial and Primerica. His prior background includes time at Blakeslee & Blakeslee Inc., Farmers Insurance Group, and California Polytechnic State University at San Luis Obispo. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers comprehensive, goal-based planning with a focus on topics such as retirement, tax, estate, and business continuation, without discretionary trading authority or institutional portfolio management.

Colton Dahlenburg is a financial advisor with LPL Financial, holding a Series 66 designation. He has six years of industry experience, including roles at The AdvisoryOne Group and Tesla. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing tools and a large network of over 22,800 advisors.

Brett Krausse is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Krausse is also the owner of Brett Krausse Publishing, a publishing business based in Santa Maria, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Megan Duarte is a Series 66 credentialed advisor at Ameriprise with eight years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Duarte serves on the boards of several community organizations, including Be Strong Your Loved, Tolosa Children's Dental Center, and Revival Tabernacle, where she holds various officer roles. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Jessica Yates is a financial advisor at Primerica Advisors with 10 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes roles with PG&E, San Luis Obispo County District Attorney, and San Luis Obispo County Sheriff’s Office. In addition to advisory work, she is involved in the sale of loan products and home security service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with approximately $15.5 billion in assets under management.

Derek Johnson is a CFP® professional with eight years of industry experience, currently advising clients at LPL Financial. Prior to joining LPL in 2018, he worked at Wilmer Cutler Pickering Hale and Dorr and was affiliated with the San Francisco Forty-Niners. 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 range of advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Ronald Vyse is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors. He serves as a board member of the Exit Planning Institute’s San Francisco Bay Area Chapter, focusing on networking within the business owner community. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Kyle Hunt is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has been with Wells Fargo Clearing since 2026 and has prior experience at Wells Fargo Bank since 2014. Outside of financial services, he has been involved with Heat Fitness since 2018. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, offering both brokerage and advisory solutions across a large national platform.

Jessica Tosti is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo since 2012 in various capacities. Outside of her advisory role, she owns and operates J. Tosti Farms LLC, a cattle and agriculture business in Lompoc, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with 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 providers.

Christine Womack is a financial advisor at Raymond James Financial with over 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Raymond James Financial since 2001. Outside of her advisory role, she serves in a political capacity with the Los Osos Community Services District. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Joseph Brittingham is a CFP® with 29 years of industry experience, currently serving as a financial advisor at LPL Financial since 2013. He previously worked at Edward Jones for seven years. In addition to his advisory role, he is involved in nonprofit fundraising activities related to Virgin Unite and Premiere Live. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and a range of advisory and non-advisory financial services.

Robert Rich is a CFP®-certified financial advisor with Edward Jones in Orcutt, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is a member of a band called Carry the 9, which sells merchandise online and at shows. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Terry Dworaczyk is a financial advisor with Ameriprise in Santa Maria, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the boards of Revival Tabernacle and the Marian Foundation. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide non-discretionary, written recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michael Favorite is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Cantella & Co., Inc. for over a decade before joining Cambridge in 2022. Outside of advising, he is president and owner of a business entity, Favorite Enterprises, and also works as an agent in insurance and benefits. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent financial professionals using both proprietary and third-party strategies, with multiple platform and custody options tailored to client objectives.

Kyran Million is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill Lynch, Appfolio Inc., and Apple Inc. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices.