Adam Henderson is a financial advisor with LPL Financial in Temecula, CA, holding a Series 63 designation and totaling 26 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

Christopher Hoff is a financial advisor at Merrill in Temecula, CA, holding Series 63 and Series 66 designations with 19 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Adam Crane is a financial advisor with Edward Jones in Temecula, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Morgan Stanley from 2018 to 2022 and spent three years at Taylormade Golf Company. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment services through a large national network of financial advisors and branch offices.

Paul Schiller is a financial advisor with J.P. Morgan Securities in Temecula, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior work includes roles at Wells Fargo Clearing Services and Wells Fargo Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephanie Oropeza is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with J.P. Morgan Securities since 2014 and has also worked with JPMorgan Chase Bank, N.A. 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 brokerage, distribution, and investment management capabilities.

Brett Mallette is a financial advisor with Thrivent Investment Management in Temecula, CA, holding a Series 66 designation and four years of industry experience. His professional background includes roles at Thrivent Financial, The Vanguard Group, and Redeem Wealth Management, as well as nearly a decade with Paradise Valley Unified School District. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, income tax, estate, and special needs planning. The firm combines holistic, goal-based analyses with managed-account programs under a consolidated billing option while maintaining separate planning and portfolio management services.

Mark Anselmo is a CFP® professional with 34 years of experience in the financial services industry. He is currently affiliated with LPL Financial and previously worked with Cambridge Investment Research, Inc. for over 20 years. He also owns a non-investment business entity, Anselmo Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Franklin Motte is a financial advisor with Primerica Advisors in Orange, CA, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has worked with PFS Investments Inc. since 1991 and Primerica Financial Services since 1989. In addition to advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Gustavo Rodriguez Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients navigate financial challenges by utilizing Merrill's wealth planning approach to identify and pursue their financial goals. His expertise includes retirement income planning, educational funding, family wealth management strategies, and portfolio management services. Gustavo holds a Bachelor's Degree in International Business from Escuela Superior Politecnica del Litoral and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Fluent in English and Spanish, he serves in professional organizations such as the Inland Empire HOLA Chapter, Rotary International's Lake Elsinore Chapter, and The Benevolent and Protective Order of Elks. Outside of his professional work, Gustavo is involved with Rotary International and The Elks. He lives in Lake Elsinore, CA with his wife Diana, daughter Luciana, son Sebastian, and their dog Rocky. He enjoys spending time with his family and engaging in outdoor activities.

Nguyen Vu is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America, N.A., Bank of America, and Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ramon Baez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior work includes roles at Edward Jones, Merrill Lynch Pierce Fenner & Smith Inc, Bank of America, JP Morgan Securities, and US Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Elizabeth Mc Sparran is a financial advisor with Edward Jones in Murrieta, CA, holding a Series 66 credential and three years of industry experience. Prior to joining Edward Jones in 2023, she worked in the automotive collision repair industry for over two decades and had a period of retirement from 2018 to 2022. She is also associated with COMPASS ROYAL MANAGEMENT LLC, an oil drilling company based in Addison, TX. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of investment advisory programs and maintaining a large national network of financial advisors and branch offices.

Dana Baik is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Jackson National Life Distributors LLC and Westgate Wealth Strategies. Outside of his advisory work, Baik serves as CFO and member of New England Eco Wash, LLC, a company involved in industrial cleaning. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options and oversees over $256 billion in assets under management.

Victor Collins is a financial advisor at Raymond James Financial with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Edward Jones from 2003 to 2017 before joining Raymond James in 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers a range of advisory programs alongside specialized municipal and public-finance services.

Joshua Goldsmith is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at LPL Financial and leading Goldsmith Financial Corp since 2012. He holds a Series 66 license and operates out of Temecula, CA. Outside of his advisory work, he has entrepreneurial involvement in apparel sales through his home-based business, Poker Gods, and occasional employment as an Uber driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers comprehensive financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and various technology-driven strategies.

Brian Schrock is a CFP® and Series 66–licensed financial advisor with Edward Jones in Fallbrook, CA. He has 18 years of industry experience, all of which he has spent at Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Ron Benoit Jr. is a financial advisor at Stifel with 17 years of industry experience. He holds the Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2019, following a ten-year tenure at Merrill. Stifel serves a broad client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Felix Torres is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A., JP Morgan Securities, LLC, and Wells Fargo Clearing Services LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Christopher Barbata is a financial advisor with J.P. Morgan Securities in Temecula, CA, holding Series 66 and Series 63 licenses and 10 years of industry experience. He has worked at various J.P. Morgan entities since 2016, including JPMorgan Chase Bank and JP Morgan Securities LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework. The firm offers these services on a non-discretionary basis, with clients retaining final decision-making authority.

Michael Cruz is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.