Melissa Jane is a financial advisor with Merrill in San Luis Obispo, California, holding a Series 66 designation and six years of industry experience. She has worked at Bank of America and Merrill since 2020 and previously was involved in small business operations including serving as President of Covered SLO LLC, a now inactive local customer service employment firm. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, and institutions using model-based and discretionary strategies developed by internal and third-party managers.

James Eustice is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, Bank of America, and The Investment House LLC. Outside of his advisory role, he serves as a board member and vice president for two S-corporations managing book royalty assets. 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 uses research-driven investment processes and offers both brokerage and advisory solutions on a large scale.

Charles Matthews is a financial advisor at Edward Jones with nine years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts and affiliated mutual funds, and provides overlay and tax-efficient services while operating under a fiduciary standard.

Daren Friedle is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. He has worked at LPL Financial since 2013 and previously spent six years with Edward Jones. 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 provides a range of advisory and brokerage services featuring financial planning, model portfolios, third-party asset management, and institutional platforms.

Dave Pruett is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has prior experience at Wamu Investments, Inc. and Washington Mutual Bank. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Sam Rodgers is a financial advisor with Charles Schwab in San Luis Obispo, CA, holding the CFP® designation along with Series 65 and Series 63 licenses. He has five years of industry experience, all with Charles Schwab and its affiliated bank. Prior to his financial advisory career, Rodgers spent eight years at H&F Productions LLC and the Hallmark Channel. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, offering multi-asset model portfolios and a centralized operational structure.

Nicole Blackburn is a financial advisor with Morgan Stanley in San Luis Obispo, California, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. She is also involved in a consulting role outside of her advisory work. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodology.

Jeffrey Oetman is a financial advisor with Wells Fargo Advisors in San Luis Obispo, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His work history includes roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC, spanning back to 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations supported by Wells Fargo research and planning tools, with services covering areas such as retirement, education, business-owner transition, and special-needs planning.

Laura Ingels is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Ingels also maintains a real estate license. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations in partnership with financial advisors.

Jay Hutchcraft is a Series 66-credentialed financial advisor with 19 years of industry experience, currently with Morgan Stanley in San Luis Obispo, CA. His career includes prior roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved planning tools and modeling techniques.

Chad Kihm is a financial advisor with Osaic who holds a Series 66 designation and has two years of industry experience. He has been with Osaic since 2024 and is also involved with App Scrolls Inc. DBA GamerSpeak, a business he has operated since 2015. Osaic Wealth, Inc. serves a broad range of retail and institutional clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various platforms and tools to construct diversified portfolios tailored to client risk tolerance and investment preferences.

Jose Rubio is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at JP Morgan Securities, Bank of America, and Merrill Lynch. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Natali Sanchez is a financial advisor at Edward Jones with 11 years of industry experience. She holds the ChFC® designation and Series 66 license. Sanchez has worked at Edward Jones since 2015. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Stephen Tetmeir is a financial advisor with Ameriprise in San Luis Obispo, CA, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of advising, he has ownership in Acorn Group, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers 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.

Wilbert Dominguez is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo and its affiliates since 2007, as well as at Bank of America and Merrill from 2019 to 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and provides a range of services including retirement plan consulting, investment research, and access to financial products through affiliated banks and insurance companies.

Jeff Koester is a financial advisor with Wells Fargo Clearing in San Luis Obispo, CA, holding a Series 63 designation and 34 years of industry experience. His career includes roles at Wells Fargo Advisors LLC, Wells Fargo Investments LLC, Chase Investment Services Corp., and Wamu Investments, Inc. Outside of advising, he co-owns rental properties with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions across a large advisor network.

Latisha Pryor is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including First Allied Securities and Cetera Advisors. Pryor currently practices in San Luis Obispo, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, delivering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Joseph Pollard is a financial advisor with Wells Fargo Clearing in Paso Robles, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has worked at Wells Fargo Advisors, LLC from 2011 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Leeder is a Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in San Luis Obispo. He has been with Merrill Lynch since 2004, following a career in the technology industry. In his role, he provides personalized wealth planning and investment strategies to high-net-worth individuals, business owners, executives, and multi-generational families throughout San Luis Obispo County and surrounding areas. Michael specializes in wealth planning and strategy, including tax-sensitive wealth transfer, investment management with access to traditional and alternative investments, retirement planning, business owner planning, and estate and legacy planning strategies. His services are tailored to address clients' varied financial goals such as security, investment growth, and wealth transition. He holds a Bachelor's degree from the University of Southern California and holds several professional designations, including Certified Financial Planner (CFP®), Certified Exit Planning Advisor (CEPA®), and Certified Plan Fiduciary Advisor (CPFA®). Outside of his professional work, Michael is involved with community organizations such as 805 Lacrosse, Alex's Lemonade Stand, California Central Coast Estate Planning Council, Central Coast Economic Forecast, Jack's Helping Hand, Little Wishes, and the San Luis Obispo Community Foundation. His personal interests include golfing, scuba diving, skiing, and tennis.

Thomas Holbrook is a financial advisor with LPL Financial in San Luis Obispo, CA. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. His prior work includes 7 years at Wells Fargo Clearing and over 19 years with Linsco Private Ledger. He also operates a DBA, Holbrook Investment Services, dedicating a small portion of his time to this activity. 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, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and technological tools.