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.

Rohaib Hamid is a Financial Consultant currently working at Fidelity Investments since 2019. He has previously served as a Financial Advisor at Morgan Stanley from 2013 to 2019. Rohaib focuses on providing client-centric service and emphasizes goals-based financial planning. He holds a California Insurance License, supporting his ability to offer comprehensive financial advice. Rohaib draws on his personal experience as a family person to partner with clients in creating personalized financial roadmaps aligned with their aspirations and family security. Outside of his professional work, Rohaib has interests in board games, cars, comedy, music, and pets.

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.

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.

Karl Johnson is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 66 licenses and has 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2007. Outside of advisory work, he is a part owner of an insurance S-corporation, Global Wealth Capital Management, and serves as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement services. The firm delivers its services through a network of independent financial professionals and supports multiple custody and platform arrangements with a mix of proprietary and unaffiliated investment strategies.

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.

Gitesh Bhaga is a financial advisor at Ameriprise in Temecula, CA, holding a Series 66 designation with 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations through a centralized consulting team.

John Crespy III is a financial advisor with Ameriprise in Indio, CA, holding a Series 63 designation and 25 years of industry experience. He previously worked at Raymond James and Associates for 11 years before joining Ameriprise in 2021. Ameriprise provides a retirement-income planning service primarily for individuals with at least $1 million in net investable assets, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported recommendations through a centralized consulting team.

Craig Harris is a financial advisor at Fidelity with eight years of industry experience. He has worked at Edward Jones and served in the United States Marine Corps before joining Fidelity. He holds a Series 66 designation. Fidelity’s Strategic Advisers LLC, where Harris works, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers advisory services including fund management and model portfolio delivery.

Esteban Heredia is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2014. Merrill, together 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dejan Tasich is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. He has worked at LPL Financial since 2011 and has prior experience with San Diego County Credit Union, CUSO Financial Services, Chase Investment Services, Wamu Investments, and Ameriprise. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.