Stephanie Oropeza is a financial advisor with J.P. Morgan Securities in Temecula, CA. She holds Series 63 and Series 66 designations and has 11 years of industry experience. She has been with J.P. Morgan Securities since 2014 and has worked at JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s investment approach combines systematic quantitative screens with qualitative research and incorporates an ESG eligibility framework in its recommendations.

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® with 35 years of industry experience. He is currently with LPL Financial and has also worked at Cambridge Investment Research and its affiliated firms for over 20 years. Outside of his advisory role, he owns a non-investment business entity named Anselmo Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

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 specializes in assisting clients with retirement income planning, educational funding, and comprehensive wealth strategies. Gustavo employs Merrill's wealth planning approach to help clients identify and align their financial goals with their risk tolerance, time horizon, and liquidity needs. His client focus includes college education planning, employee benefits planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He holds a Bachelor's degree in International Business from Escuela Superior Politecnica del Litoral and has earned the Chartered Retirement Planning Counselor™ designation. Gustavo is fluent in English and Spanish and is active in professional organizations such as the Inland Empire HOLA Chapter, Rotary International - Lake Elsinore Chapter, and The Benevolent and Protective Order of Elks. Outside of work, he participates in community activities through Rotary International and the Elks, and enjoys outdoor activities with his wife Diana, daughter Luciana, and son Sebastian in Lake Elsinore, California.

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 with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Jackson National Life Distributors, Banc of America Investment Services, and Citigroup Global Markets. Outside of financial advising, he is CFO and member of an industrial cleaning business, New England Eco Wash, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

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 affiliated with LPL Financial in Temecula, CA. He has been with LPL Financial and operating Goldsmith Financial Corp since 2012, following five years at Edward Jones. Outside of his advisory work, he is involved in apparel sales through a small business named Poker Gods and has served as an Uber driver. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party asset management, and various financial planning platforms.

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 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.

Felix Torres is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes positions at JPMorgan Chase Bank, N.A., JP Morgan Securities, LLC, and Wells Fargo Clearing Services LLC. 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 combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG considerations within a non-discretionary program.

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.

Marcelino Talavera is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and four years of industry experience. His work history includes multiple roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as positions at Bank of America and Merrill. Prior to entering financial services, he spent nine years at Pala Casino Spa Resort. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process integrates quantitative and qualitative research with centralized due diligence and incorporates ESG criteria within a non-discretionary investment framework.

Cheryl Stutler is a financial advisor with Edward Jones in Menifee, CA, holding a Series 66 designation and over 13 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

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.

Michael Mair is a financial advisor at Edward Jones with 11 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase, Bank of America/Merrill Lynch, U.S. Bank, and the Office of the Comptroller of the Currency. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.