Ryan Langstaff is a financial advisor with Commonwealth Financial Network and holds Series 63 and Series 65 licenses. He has 23 years of industry experience, including ten years at Independent Financial Group and time at Legacy Retirement Advisors, which he co-owns. Langstaff operates in Paso Robles, CA. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Evan Langstaff is a financial advisor at Commonwealth Financial Network with Series 65 credentials and three years of industry experience. He previously worked at Legacy Retirement Advisors from 2018 to 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of about 2,900 affiliated advisors and managing approximately $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed account programs, third-party asset manager access, retirement consulting, and custody services.

Stacey Stanek Byars is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Independent Financial Group since 2017 and has been associated with The Thom Group, a marketing DBA she is involved with, since 2013. Additionally, she works as an independent contractor offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth clients, trusts, corporations, pension plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence, offering both active and passive investment exposures across multiple risk profiles.

Travis Loughridge is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 credential and five years of industry experience. He has been with Bankers Life Advisory Services since 2020 and has worked at Bankers Life & Casualty since 2015. Outside of advising, he serves as a Unit Field Trainer for Bankers Life & Casualty, recruiting and training insurance agents. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm focuses on customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide investment decisions.

Jennifer Langstaff is a financial advisor with Commonwealth Financial Network, holding the CFP® designation and Series 63 and 66 licenses, with 31 years of industry experience. She has worked at Commonwealth Financial Network since 2023 and previously was with Independent Financial Group, LLC for ten years. Langstaff is also a co-owner of Legacy Retirement Advisors, a private entity involved in securities, advisory, and insurance services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm offers a comprehensive adviser support platform with discretionary and nondiscretionary managed account programs, access to third-party asset managers, and a variety of investment options.

Theodore Athans is a CFP® professional affiliated with Commonwealth Financial Network, based in San Luis Obispo, CA, with 27 years of industry experience. He has worked at Commonwealth Financial Network since 2009, including time with its Wealth Management Group, and was a co-owner of WealthSpring Partners, LLC and WS Tax Services, LLC, the latter providing tax preparation services. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and hundreds of thousands of clients, offering a broad range of advisory and brokerage services including managed-account programs, third-party asset management, and retirement consulting.

Robert Carey is a financial advisor at Cetera Planning Partners with 19 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at multiple firms, including Avantax and Cetera Wealth Services. Carey is also involved with Carey & Hanna CPAs and has served as a principal of Snarpezel.com, Inc. for over a decade. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services with a diversified investment approach tailored to client objectives and risk tolerance.

Kurt Kennedy is a financial advisor at Independent Financial Group, LLC with 12 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank for nine and eight years, respectively. Outside of his advisory role, he owns a rental property in Fortaleza, Brazil. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm offers financial planning and portfolio management using proprietary and third-party models, combining passive and active strategies across various risk profiles.

Patricia Thom is a financial advisor with Independent Financial Group, LLC, holding a Series 63 designation and over 40 years of industry experience. She has worked with Independent Financial Group since 2017 and previously held roles at First Allied Advisory Services and First Allied Securities. Thom also operates The Thom Group, a marketing DBA under which she provides financial advisory services. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm uses a mix of strategic asset allocation and multi-manager portfolios, combining passive and active investment strategies through both firm- and third-party models.

Jeff Hood is a financial advisor with Bankers Life Advisory Services, Inc. in San Luis Obispo, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Bankers Life Advisory Services since 2017 and has worked across affiliated entities since 2009. In addition to his advisory role, he manages a team of insurance agents, overseeing hiring and training, and is appointed to write business for Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary and non-discretionary portfolio management and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analyses to create tailored asset allocations and manages portfolios across a variety of securities, with client-specific restrictions and periodic reviews.

Alicia Fleurquin is a financial advisor with Benjamin F. Edwards & Company, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to joining Benjamin F. Edwards, she worked at LPL Financial for 15 years. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, pension plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, retirement plan consulting, and investment management through a variety of strategies managed internally and by third-party managers.

Joan Tozer is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 23 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and previously was employed by the US Census Bureau. Outside of her advisory role, she is an agent selling fixed insurance products including life insurance, annuities, and long-term care. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Jesus Fernandez is a Financial Advisor with Merrill Lynch Wealth Management. In his role as a Merrill Financial Solutions Advisor, he works closely with clients to understand their priorities and develop personalized strategies to pursue their short-, mid-, and long-term financial goals. He provides guidance on a range of topics including investing, retirement planning, and saving for unexpected events, and also facilitates access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Jesus brings expertise in managing complex financial priorities such as home buying, college saving, elder care, and healthcare planning. He takes a one-on-one approach to define client goals and tailor portfolio strategies accordingly, offering ongoing advice and adjustments as client needs evolve. His professional certifications include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from the University of Phoenix and communicates with clients in both English and Spanish. Beyond his professional work, Jesus is involved in his community as a girls youth softball coach and assistant. He enjoys baseball, football, music, softball, spending time with his family, volleyball, watching movies, and woodworking.

Alex Sanchez is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities for 11 years before joining Wells Fargo in 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options that include both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Joel Dunbar is a financial advisor at Edward Jones with 12 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Ameriprise, LPL Financial, and TD Ameritrade. He is listed as a co-owner of Legends Salon in Atascadero, CA, a business owned and operated by his wife, though he holds no active role or compensation in the salon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ranajay Ghosh is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Eagle Strategies, NYLIFE Securities LLC, and New York Life, as well as experience outside the financial sector in companies such as Barycenter Foods and Guitar Center. 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 both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases.

Efrain Vera is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he is involved in managing a rental property with his spouse. 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 process 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.

Tingting Wu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, no additional activities are noted. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Armando Campos is a financial advisor with Wells Fargo Clearing in Montecito, CA, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Thomas Vigil is a CFP® professional with 23 years of industry experience, currently affiliated with LPL Financial since 2009. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He operates a separate business under the name Live Oak Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions, offering a range of financial planning and investment management solutions.