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.

Erika Bylund is a CFP® with 12 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Her prior roles include positions at Securities America Advisors, Kestra Financial Services, and Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers a variety of financial planning and investment management solutions, leveraging both proprietary research and third-party strategies across a range of asset classes.

Nathan Alvarado is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 manages approximately $671 billion in assets through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

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.

Jeff Koester is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds a Series 63 designation and has worked at various Wells Fargo entities since 2009, including Wells Fargo Advisors LLC. Koester is based in Santa Maria, California. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Bruce Attig is a financial advisor with Morgan Stanley in Santa Maria, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Attig is a partner in agricultural ventures, including Attig AG LLC and Hidden Highlands Cattle Co LLC, and serves as a board member on the finance committee of Riviera United Methodist Church. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides financial planning through a structured discovery process without offering individual security recommendations as part of standalone plans.

Troy Prober is a financial advisor with LPL Financial in Arroyo Grande, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Edward Jones and Bank of America. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives.

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.

Michael Leeder serves as a Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in San Luis Obispo. He joined Merrill Lynch in 2004 after a career in the tech industry. In his role, he assists individuals, families, and business owners in building, managing, and transitioning their wealth through personalized planning and investment strategies. His advisory services include wealth planning, investment management, retirement planning, business owner planning, and estate and legacy planning, serving clients throughout San Luis Obispo County and Central California. Michael holds a Bachelor's degree from the University of Southern California and professional credentials including Certified Financial Planner (CFP®), Certified Exit Planning Advisor (CEPA®), and Certified Plan Fiduciary Advisor (CPFA®). His areas of expertise cover college education planning, executive compensation, family wealth management, retirement income, tax minimization, and socially responsible investing. Outside of his professional career, Michael is involved with several community organizations such as 805 Lacrosse, Alex's Lemonade Stand, and the San Luis Obispo Community Foundation. His personal interests include golfing, scuba diving, skiing, and tennis.

Moyses Muguira is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. 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, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices.

Jessica Fetcho is a financial advisor at Edward Jones with a Series 66 designation and 13 years of industry experience. She has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a broad network of advisors and branch offices, offering various investment strategies and fiduciary advisory services.

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.

Roman Quisol III is a financial advisor at Ameriprise with 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and holds the Series 63 designation. Based in Santa Maria, CA, he provides financial advisory services through a large institutional firm. Ameriprise offers a retirement-income planning service aimed at individuals with at least $1 million in net investable assets and $500,000 in Ameriprise-managed accounts. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written Recommendation Reports that support retirement income planning.

Wesley Carlson is a CFP®-certified financial advisor with Edward Jones, where he has worked since 2012. He has 13 years of industry experience and holds the Series 66 designation. 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 and provides a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Doroteo Cabral is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo-affiliated firms since 2011. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Daniel Martin is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2013. He is based in San Luis Obispo, CA. Stifel serves a wide range of clients, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to guide investment analysis and asset allocation.