Amy Irvine is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 23 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Merrill, Edward Jones, and UBS Financial Services. Outside of advising, she serves as a Notary Public in Murrieta, CA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sandra Saenz is a financial advisor with Wells Fargo Clearing based in Temecula, CA. She holds Series 63 and Series 66 designations and has 15 years of industry experience. Her prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, and US Bank. 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 approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases to support its investment approach.

Michael Sheron is a financial advisor at Edward Jones with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at Northwestern Mutual Life Insurance Company and Ellis Communications. Outside of his advisory role, he serves as CEO of Good Natured Products, Inc., a company focused on exercise equipment and video sales. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing over $1 trillion in assets. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Amber Smith is a financial advisor with Wells Fargo Clearing in Temecula, CA, holding a Series 66 designation and six years of industry experience. She has previously worked at Merrill and has experience in the fitness industry with Orange Theory Fitness. Outside of financial advising, she is involved in independent sales for MONAT. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Marina Mclaughlin is a financial advisor with Edward Jones in Hemet, CA, holding a Series 63 designation and nine years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she is involved in property maintenance for rental properties in Murrieta, CA. 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 under management through a large network of advisors and branches, offering a range of investment strategies and affiliated products under a fiduciary standard.

John Ayala Sr. is a Series 66 licensed advisor with LPL Financial, based in Temecula, CA, and has 16 years of industry experience. He previously worked at Merrill from 2011 to 2016 and Morgan Stanley from 2010 to 2011. Outside of his advisory role, he is co-owner and COO of Ignite Human Capital, a staffing firm. 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 services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research and operational tools.

Emiliano De Riquer is a Series 66-licensed financial advisor with four years of industry experience. He is currently with J.P. Morgan Securities and has held previous positions at firms including AllianceBernstein, Prudential Financial, MassMutual, Guardian Life Insurance, and Bank of America/Merrill Lynch. Emiliano is based in Hemet, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to develop model asset allocations, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Noemi Biddick is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2013. Outside of her advisory role, she is the owner and partner of Co-Moonity Healiing, a wellness and meditation business. 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 and fund searches, and customized performance reporting through a non-discretionary program.

Vischha Wilson is a financial advisor at Ameriprise in Temecula, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Ameriprise, Wilson worked three years at Wells Fargo Clearing. 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 focused on dependable income sources and tax-aware withdrawal strategies.

Gilbert Caraveo is a financial advisor at Fidelity with Series 66 and Series 63 credentials and several years of experience across multiple firms, including Northwestern Mutual and Preply. His background includes roles in wealth management and investment services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a research-driven, quantitative approach to portfolio construction and managing model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Grant Ostapeck is a financial advisor at Ameriprise with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Kari Cierley is a financial advisor at Edward Jones with nine years of industry experience. She holds the CFP® designation as well as Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2017, she worked at Executive Business Services, Inc. from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over 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 programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Burg is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has previously worked at Wells Fargo Clearing, Citigroup Global Markets, and Morgan Stanley DW Inc. Outside of his advisory role, he is involved in winemaking as a hobby. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that focuses on retirement-income planning through written recommendation reports and ongoing advice. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools, with a focus on dependable income sources and tax-aware withdrawal strategies.

John Fountain is a financial advisor with Palomar Advisors Inc. in Temecula, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Palomar Advisors (formerly Creative Benefits Inc.) since 2016 and also serves as President and CEO of Creative Wealth Group, a firm involved in fixed insurance product sales and captive insurance. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations, and corporations. The firm tailors portfolios to client goals and risk tolerance and emphasizes fiduciary standards in its retirement account services.

Noah Andrade is a financial advisor at Palomar Advisors Inc. in Temecula, CA, holding a Series 65 designation with approximately one year of experience in advisory roles. His prior work history includes positions at BMO Bank and University of California San Diego, among others. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, pension plans, charitable organizations, and corporations. The firm offers tailored portfolios actively managed across various securities and supports retirement accounts under ERISA/IRC fiduciary standards.