William Doukas is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with OSAIC since 1996 and also works with David Irwin and Associates. Outside of his advisory roles, he serves as a rugby coach and event coordinator for West Coast & Cal Poly Rugby, a nonprofit position. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct diversified portfolios tailored to client needs.

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.

Elise Elliott is a financial advisor with Edward Jones in Grover Beach, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2020, she spent 15 years working as a hairstylist at Salon Lux, Inc., where she continues to provide services to select clients. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of financial advisors and branch offices across the United States.

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.

Annette Shanks is a financial advisor with LPL Financial in San Luis Obispo, CA, holding Series 63 and Series 65 credentials and with 25 years of industry experience. She previously worked at Centaurus Financial Inc. and THE O.N. Equity Sales Company, as well as Ohio National Financial Services. Outside of her advisory role, she is involved with Medallion Financial and Insurance Services, focusing on insurance product sourcing and servicing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing discretionary and non-discretionary management supported by in-house and third-party research.

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.

Clive Fairchild is a financial advisor at Wells Fargo Advisors with two years of industry experience. He holds a Series 66 designation and has previously worked at SavantX and operated The Fairchild Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth thresholds, utilizing proprietary research and tools to develop personalized recommendations.

Xavier Santana Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and two years of industry experience. He has been with Cambridge Investment Research Advisors since 2024 and has prior experience at Traffic Management Inc. Outside of his advisory role, he is an independent insurance agent for various independent agencies through ONE RESOURCE GROUP. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement-plan sponsors, and charitable organizations. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent professionals, offering a range of portfolio management and model-based investment solutions.

Shawn Arner is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following positions with Wells Fargo Advisors, LLC and Wells Fargo Bank, NA. 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 approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including insurance-related products and bank deposit sweep options among its investment offerings.

Jorge Lozano is a financial advisor with Wells Fargo Clearing in Oxnard, CA, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2022 and has prior experience with Wells Fargo Clearing Services, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Berenice Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she serves as treasurer for the Nipomo Youth Softball League. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in a modern portfolio theory approach and including a broad range of financial product options.

Brian Wiese is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is involved with Summit Investment Group, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary research, third-party subadvisors, and technology-driven portfolio management.

Rigoberto Pena Rankin is a financial advisor with Wells Fargo Clearing in San Luis Obispo, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and also operates BMA Wines. Outside of his advisory role, he serves as Treasurer and Finance Committee Chair on the board of the San Luis Obispo Country Club. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support its diversified investment strategies.

Iran Zaranda Velazquez is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1991, he has provided wealth management services to a diverse clientele through The Filsouf Cox Wealth Management Group, which serves clients across 25 states. His client base includes successful business owners, oil and gas executives, retirees, affluent women who have experienced divorce or loss of a spouse, and members of the medical community. Mr. Velazquez is a qualified Portfolio Advisor who assists clients in pursuing their investment objectives by recommending strategies from Merrill Lynch Wealth Management or approved third-party investment managers. His services include aligning investment and retirement planning with wealth transfer, education funding, and liability management. He meets clients according to their schedules and often visits their homes, offices, or hospitals to provide tailored support. He earned a bachelor's degree from West Texas AM University and holds the Personal Investment Advisor (PIA) designation. Fluent in Persian, Polish, and English, Mr. Velazquez is active in community organizations such as March of Dimes, Serra Club, Amarillo Downtown Lions Club, and St. Thomas The Apostle Church. Outside of work, he enjoys chess, football, music, soccer, spending time with his family, and traveling.

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, holding Series 63 and Series 66 credentials and four years of industry experience. His work history includes roles at Thrivent Financial, Primerica, Blakeslee & Blakeslee Inc., Farmers Insurance Group, and California Polytechnic State University at San Luis Obispo. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning covering various topics without including implementation, and clients can combine planning with managed-account services under a consolidated billing option called “WealthPlan.”