Donald Pickford is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and four years of industry experience. He has been affiliated with Cetera and its related entities since 2019. Outside of advising, he sells life insurance and annuities and provides client service support through telemarketing at Haupt Financial Group Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporations, charities, and institutional accounts. The firm offers a variety of investment management and planning services through a multi-manager platform with discretionary and non-discretionary options.

William Milton is a financial advisor at Edward Jones in Temecula, CA, holding CFP® and Series 66 designations with three years of industry experience. Prior to joining Edward Jones in 2024, he worked at Independent Financial Group and Goodsell & Company CPA, and he was the owner and attorney of The Milton Law Firm specializing in estate and tax planning from 2011 to 2021. He is also an instructor for the Certified Medicare Transition Advisor (CMTA) certification program. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated financial products, supported by a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Michael Quitazol is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for TD Ameritrade from 2007 to 2023 before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a blend of non-discretionary and discretionary investment management along with integrated custody and brokerage services. The firm’s scale and operational structure support a broad client base with multi-asset model portfolios and access to alternative investments.

Harold Craig is a ChFC® and Series 66 designated financial advisor with Edward Jones, based in Temecula, CA. He has 15 years of experience, all of which have been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory solutions under a fiduciary standard through a nationwide network of financial advisors and branch offices.

Robert Charlebois is a financial advisor with Osaic and holds Series 63 and Series 65 licenses. He has 25 years of industry experience and has been with Royal Alliance Associates Inc. since 2001. In addition to his advisory role, he is licensed to offer term and health insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using firm-provided tools and multiple platform options to manage portfolios.

Rachel Pierson is a financial advisor at LPL Financial with five years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Cetera and Heritage Family Investments. Outside of advising, she is a business owner at Brood, Seibert & Lovcik, CPAs, LLP. 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 various advisory and brokerage services, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Eric Busch is a financial advisor with Charles Schwab and Co., Inc. in Temecula, California, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Prior to Schwab, he worked at TD Ameritrade Inc. for 12 years. Charles Schwab 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 combination of non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Daniel Venne is a financial advisor with Cetera, holding a Series 66 designation and over 25 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2004 and has operated his own public accounting practice since 1990. Outside of his advisory and accounting work, he serves as director and treasurer of the Temecula Sister City Association, a nonprofit focused on educational cultural exchanges. Cetera Investment Advisers LLC is a large SEC-registered firm supporting individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across diverse program structures.

Michael Passero is a financial advisor at Edward Jones with 7 years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. Prior to his career in finance, he was employed by Verizon Wireless for nine years. 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, operating under a fiduciary standard.

Daniel Schepe is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank 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 broker-dealer and investment adviser registrations to deliver a range of advisory and market-facing services.

Darren Haupt is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at Voya Financial Advisors, as well as operating Haupt Financial Group and Haupt Insurance Services, Inc., which engage in insurance and investment product sales. Haupt also serves as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a network of over 10,000 independent advisors. The firm offers a range of portfolio management and consulting services to individual, corporate, charitable, and institutional clients through multi-manager platforms and diverse program structures.

Cristian Barrera is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley. J.P. Morgan Securities 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 delivers its advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Alexander Mc Mullen is a Series 66-licensed financial advisor with Ameriprise in Loma Linda, CA, where he has worked since 2022. He has three years of industry experience, including seven years at CVS Health prior to joining Ameriprise. Ameriprise provides a retirement-income planning service targeting individuals with at least $1,000,000 in net investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team that combines research, modeling, and tax-efficiency analysis, focusing on clients with assets in Ameriprise Managed Accounts.

Jason French is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds the Series 66 designation and has worked at JPMORGAN Chase Bank, N.A. since 2018, alongside his tenure at J.P. Morgan Securities beginning in 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis while managing conflicts through established policies.

Jasper Yang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a centralized due-diligence framework and combines institutional advisory operations with brokerage and investment management capabilities.

Michelle Jersey is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and over 30 years of industry experience. Prior to joining J.P. Morgan Securities in 2021, she worked at UBS Financial Services for 15 years. Outside of her advisory role, she is involved with She Scales, a consulting business that helps clients use social media to promote their online businesses, and participates in an online lead-generation system supporting her husband's health coaching business. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Patrick Baker is a Series 66-licensed financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at affiliated entities including Jpmorgan Chase Bank, N.A. and Wamu Investments since 2009. 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 while clients retain final decision authority.

Michael Walsh is a financial advisor with Ameriprise in Valley Center, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank for a combined nine years. Outside of his advisory role, Walsh owns and operates a small engine repair business and is involved in retail sales of chainsaw parts and equipment on weekends. Ameriprise offers comprehensive retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations.

Lee Ann Hodapp is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. She has worked primarily at Wells Fargo Clearing since 2012, with brief roles at 1st Global Advisers, Inc, 1st Global Capital Corp, and Ericksen Krentel, LLP between 2017 and 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Christopher Clapinski is a financial advisor with LPL Financial in Hemet, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Cuso Financial Services, Raymond James & Associates, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he coaches sports and fitness at Palm Desert High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of financial planning and advisory programs, utilizing model portfolios and research from various sources, and offers both discretionary and non-discretionary management solutions.