Joshua Byer is a financial advisor at J. W. Cole Advisors, Inc. with 21 years of industry experience. He has been with J. W. Cole Advisors and its affiliated entities since 2013 and has worked at Milton Financial since 2001. He holds a Series 66 designation. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, and access to multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Deanna Williamson is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 66 designation and bringing 24 years of industry experience. She has been with J.W. Cole Advisors and its affiliated firm since 2013. Outside of her advisory role, she owns and operates Williamson Financial Investments and Planning, providing investment management and retirement consulting services since 2005. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, fee-based financial planning, and multiple managed account solutions, utilizing discretionary and non-discretionary approaches that include fundamental and technical analysis as well as algorithmic allocations.

Samuel Payne is a financial advisor with Brookstone Capital Management LLC in Temecula, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has been with Brookstone Capital Management since 2010. Outside of his advisory role, he is involved in referral services for estate planning documents and coordinates social security education through Premier Social Security Consulting, LLC. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions, and supports a large advisor network with back-office and TAMP services.

Yazmin Valdez is a financial advisor with Empower Advisory Group in Murrieta, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, as well as six years at Briseno Tire & Towing before entering financial services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Steven Lebaron is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been affiliated with LeBaron Financial Group, Inc. and Independent Financial Group since 2006. Lebaron also provides estate planning services as an independent contractor with Anchor Legal, PC. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of Investment Adviser Representatives.

Robert Britton is a financial advisor at NewEdge Advisors with 14 years of industry experience. He holds the CFP®, CFA®, and Series 66 credentials and has previously worked at HUB Investment Partners, TCG Advisors, and Wheelerfrost Wealth Managers. Outside of his advisory role, he is involved in the management of the Vine House Bed & Breakfast in Temecula, California. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisors. The firm offers a variety of portfolio management and consulting services and utilizes centralized due diligence and technology tools to support its multi-structured advisory programs.

Kalpnesh Patel is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Accenture Inc. He is also involved with RH Benefits Insurance Services, Inc., where he works as an insurance agent focusing on Medicare, life insurance, and annuities. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary services, utilizing model portfolios, third-party sub-advisers, and custom strategies.

Adam Horde is a financial advisor at Kestra Advisory with 14 years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network, Cabrillo Mortgage, and Monarch Retirement Group. He is a 16.5% owner/member of Monarch Retirement & Investments LLC, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves clients including sovereign wealth funds.

Britton Meland is a financial advisor with Transamerica Financial Advisors in Temecula, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has held positions at Celestar Corporation, Net Law, Bryant & Associates Certified Public Accountants, WealthWave, Lockhead Martin Corporation, and WFGIA. Outside of financial advising, he owns Meland Marine, LLC, a business involved in small boat handling, transportation, and maintenance. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm provides advisory and broker-dealer services through proprietary model portfolios, third-party money managers, and both fee-based and commission-based products.

Brett Clarke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Independent Financial Group since 2015 and has operated under his own name since 2010. Clarke is also the owner of Clarke Financial Services, Inc., which provides tax preparation and bookkeeping services. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that offers brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm delivers advisory services through a national network of Investment Adviser Representatives and provides multiple program options tailored to client risk profiles.

Christopher Burlingame is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at firms including Bank of America, Merrill, and Wells Fargo. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Ryan Trantum is a CFP® professional with six years of industry experience currently with J.W. Cole Advisors, Inc. He has worked at J.W. Cole since 2019 and has held various roles including positions outside of finance such as at Sycamore Academy and Welk Resorts. Outside of his advisory work, he serves as president of a Toastmasters public speaking club and holds leadership roles in local professional and nonprofit organizations. J.W. Cole Advisors operates a large network of independent advisers providing fee-based portfolio management, financial planning, and retirement services to individuals, high-net-worth clients, and institutions. The firm utilizes a combination of discretionary and non-discretionary account management strategies and offers access to digital advice platforms and third-party managers.

Mark Fitzpatrick is a financial advisor at Empower Advisory Group with 14 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Empower Retirement, ICMA RC, Advised Assets Group, LLC, and GWFS Equities, Inc. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Dennis Odin is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked with WealthWave since 2018, Transamerica Financial Advisors since 2012, and World Financial Group since 2007. Outside of advising, Odin is involved in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a broad client base including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm delivers services through a large advisor network and multiple program platforms, utilizing model portfolios and third-party managers for investment implementation.

Jonathan Lopez is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Ameriprise in 2026, he was affiliated with Platinum Wealth Management, Inc. and Independent Financial Group LLC. He also teaches a college course on investing at Mesa College. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which emphasizes written recommendations and ongoing tax-aware income strategies.

Reem Moussa is a financial advisor with LPL Financial in Temecula, CA, holding a Series 66 designation and 13 years of industry experience. She has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research.

Allen Montemagno is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Waddell & Reed, and various insurance carriers. Montemagno operates under the DBA Abundant Wealth Management as part of his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Keith Meeker is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on providing clients with personalized wealth management strategies that are flexible to adapt to changing market conditions and aligned with their individual goals and priorities. Keith leverages investment insights from Merrill and the banking and lending solutions of Bank of America to address the comprehensive financial needs of his clients. Keith’s expertise covers a broad range of client focus areas including college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, small business strategies, individual and corporate investment strategies, and retirement income. He emphasizes understanding his clients’ full financial picture and life priorities to collaboratively create customized plans. Keith holds a Bachelor’s Degree from Rider University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in his community, volunteering as a coach for MVGSA softball and TLL baseball. Outside of work, Keith enjoys baseball, billiards, football, skiing, softball, spending time with his family, traveling, and watching movies.

Dannielle Thomas serves as a Financial Solutions Advisor with Merrill Lynch Wealth Management. In her role, she collaborates with clients to develop strategies aligned with their short-, mid-, and long-term financial goals. She provides guidance on investing, retirement planning, and contingency savings and connects clients with Bank of America specialists for additional services including banking, credit, home financing, and small business solutions. Dannielle holds the Personal Investment Advisor (PIA) designation and completed her high school education at Etiwanda High School. Her approach focuses on understanding the priorities of clients and their families to create tailored financial strategies.

Ryan Mc Cray is a financial advisor at Edward Jones with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2012. 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 mutual funds.