Ron Benoit Jr. is a financial advisor at Stifel with 18 years of industry experience. He has held positions at Stifel Nicolaus & Co Inc since 2019, following ten years at Merrill and one year at Banc Of America Investment Services, Inc. Benoit holds the Series 66 designation. Stifel serves a wide range of clients including individuals, institutional entities, and charitable organizations, offering 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.

Christopher Barbata is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at various J.P. Morgan entities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence and incorporates forward-looking capital market assumptions to develop model asset allocations.

Michael Cruz is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, Wamu Investments, and UBS Financial Services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies. This service utilizes investment research, third-party data, and algorithmic tools to support client planning within a defined investment universe.

Deborah Haydis is a financial advisor with Ameriprise, holding a Series 63 designation and bringing 42 years of industry experience. She has been with Ameriprise since 2005, including 6 years at Ameriprise since its rebranding. Outside of her advisory role, she serves as treasurer of a local youth baseball association and is involved in community leadership as a vice president of a local organization. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice. The firm’s approach combines proprietary research and third-party data to deliver tax-aware withdrawal strategies and asset allocation guidance within a defined investment universe.

David La Pointe is a financial advisor with LPL Financial in Temecula, California, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has been with LPL Financial and its predecessor entities since 2003 and previously worked at Morgan Stanley from 1999 to 2003. Outside of his advisory work, he is a franchise owner of a tire store and holds energy royalties from an investment dating back to 1984. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, featuring financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Christopher Hart is a financial advisor with Raymond James Financial, holding a Series 66 credential and bringing 12 years of industry experience. His prior work includes roles at Thrivent Financial and Thrivent Investment Management. He serves as a board member of The Baptist Foundation of California, participating in decisions on church financing and financial policies for the Southern Baptist Convention. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored non-discretionary planning and uses analytical tools to guide clients, supporting municipal and public-finance work through unique affiliations and specialized advisory programs.

Michelle Navarro is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in areas including college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, and sports and entertainment. Michelle emphasizes a client-centered approach, aiming to develop wealth plans built around clients' priorities and helping them adjust to inevitable changes. Michelle brings a personal connection to her work, having grown up in a household that struggled with money management. Motivated by these experiences, she built a career in finance to understand banking, saving, and investing. As a Better Money Habits® educator, she has taught financial literacy in local schools and applies this passion to her relationships with clients. As a wife and mother of three, she understands the importance of planning for loved ones and assists individuals, families, and business owners with retirement planning, saving for homes or children's education, investing, and estate planning. Michelle holds a High School Diploma from West Valley High School and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In her personal time, she enjoys baseball, cooking, football, genealogy, music, painting, reading, spending time with her family, swimming, and watching movies.

Jose Thomas is a financial advisor at Edward Jones with 24 years of industry experience. He has been with Edward Jones since 2001 and holds Series 63 and Series 66 designations. 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 through a nationwide network of more than 23,700 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Shawn Carvalho is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 2000, including its bank division since 2005, and briefly worked at TD Ameritrade in 2023. Charles Schwab & Co., Inc. 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 mix of non-discretionary and discretionary investment solutions, combining centralized custody and advisory services with multi-asset model portfolios and alternative investment access.

Jamie Stairs is a financial advisor with J.P. Morgan Securities in Temecula, CA, holding Series 66 and Series 63 credentials and 12 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has been associated with JPMORGAN Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Bryan Diaz is a financial advisor with LPL Financial in Murrieta, California, holding a Series 66 designation and 22 years of industry experience. His prior work history includes positions at Bank of America, Merrill, Banc of America Investment Services, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Travis Wiltgen is a Series 66-licensed financial advisor with six years of industry experience. He is currently with LPL Financial and has held previous roles at CUNA Mutual Group, Cuna Brokerage Services Inc., Retirement Income Strategies, Cottingham & Butler, and LifePro Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a wide network of advisors. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial offerings.

Gerald Wilkerson is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and bringing 25 years of industry experience. His career includes over a decade at TD AMERITRADE and multiple engagements with Charles Schwab totaling several years. Charles Schwab & Co., Inc. serves a large client base mainly composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account solutions. The firm’s model combines non-discretionary client decision-making with access to discretionary separately managed accounts and includes due diligence on alternative investments through its research center.

Sara Jaurequi is an advisor with LPL Financial who has been with the firm since 2025. She has additional experience working with Parley for the Oceans and SNJ Media. Outside of her financial advisory role, she has a background in media and environmental organization involvement. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services with a large network of investment adviser representatives and combines advisory platforms with non-advisory financial services.

Chris Leonhard is a financial advisor with Ameriprise Financial Services and holds Series 63 and Series 66 credentials. He has 26 years of industry experience, including prior roles at UBS Financial Services and Morgan Stanley. Leonhard is based in Temecula, California. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Stewart is a financial advisor at Morgan Stanley with 32 years of industry experience. She has held roles at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and scenario modeling to support client decision-making.

Richard Mitchell Jr. is a CFP® professional with 24 years of experience in the financial services industry. He is currently with LPL Financial and San Diego County Credit Union, where he has worked since 2014. His prior experience includes positions at Waddell & Reed, Unified Wealth Management, The Planning Group, and Vanguard Advisers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plan participants, banks, trust companies, and other institutions. The firm provides a variety of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolios, and institutional platforms with a focus on both discretionary and non-discretionary investment strategies.

Robert Menz is a financial advisor with LPL Financial in Fallbrook, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at National Planning Corporation for eight years and UBS Financial Services for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Karl Johnson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Cambridge Investment Research since 2007 and had a brief tenure at Edward Jones. Outside of advising, he is an independent insurance agent and co-owner of an insurance S-corporation. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals, managing multi-billion dollars in assets across various platforms and custodians.

Craig Carper is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He previously worked at Edward Jones for three years before joining LPL Financial in 2010. Carper also operates La Pointe Wealth Management, Inc., doing business as La Pointe Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.