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 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.

Marcelino Talavera is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, Merrill, and J.P. Morgan Securities. Prior to his financial services career, he spent nine years at Pala Casino Spa Resort. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a select group of Wealth Advisors while clients retain decision-making authority.

Deborah Haydis is a financial advisor with Ameriprise in Fallbrook, CA, holding a Series 63 designation and 41 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as Treasurer for a local youth baseball association. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, providing written Recommendation Reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported retirement-income advice primarily for clients with significant investable assets managed within Ameriprise.

Carlos Benites is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in long-term, consultative, and goals-based wealth management strategies. He provides integrated and customized services to a select group of high net worth families and business owners, including discretionary portfolio management, stock-option analysis, retirement planning, concentrated equity position strategies, life insurance analysis, and wealth preservation and transfer strategies. Carlos serves both domestic and international clients, helping them navigate complex financial needs with tailored solutions. Carlos holds a Bachelor of Science degree in Mechanical Engineering with a concentration in Nuclear Engineering from the United States Naval Academy, where he graduated with honors and played soccer. He also earned an MBA from American University’s Kogod School of Business, graduating as a member of Beta Gamma Sigma. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carlos is fluent in English, Spanish, and French. Outside of his professional work, Carlos is an avid sports enthusiast who enjoys coaching and resides in Boca Raton with his wife and four children. He participates in community activities through Habitat for Humanity and the Naval Academy Alumni Foundation. His client focus areas include corporate executive services, education planning, family wealth management strategies, services for endowments, foundations, non-profits, investment consulting for defined contribution plans, employee financial health, managing new wealth, and personal retirement planning.

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 designation and 11 years of industry experience. He previously worked at Thrivent Financial and Thrivent Investment Management. Hart serves on the board of The Baptist Foundation of California, where he participates in decisions on church financing and policy matters. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored planning and non-discretionary consulting, utilizing risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

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.

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, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has worked at JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Travis Wiltgen is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has previously worked at CUNA Brokerage Services Inc., CUNA Mutual Group, 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 other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and participant-level retirement advice, supported by a large network of investment adviser representatives and a variety of investment platforms.

Gerald Wilkerson is a financial advisor with Charles Schwab in Temecula, CA, holding Series 65 and Series 63 licenses and 24 years of industry experience. His prior work includes a decade at TD AMERITRADE and multiple tenures with Charles Schwab totaling three years. Charles Schwab serves a large client base of 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 combines non‑discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative-investment onboarding process.

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.