Joel Goldberg is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Wells Fargo entities since 2012, including a decade at Wells Fargo Clearing. Based in San Luis Obispo, California, Goldberg's background is rooted entirely in the Wells Fargo organization. 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, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Melissa Jane is a Series 66 licensed financial advisor with six years of industry experience, currently associated with Merrill and Bank of America in San Luis Obispo, California. Prior to her current roles, she served as President of Covered SLO LLC, a now inactive customer service employment business in the San Luis Obispo area. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional investors, offering model-based and discretionary investment strategies integrated within Bank of America’s corporate platform.

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.

Kyran Million is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill Lynch, Appfolio Inc., and Apple Inc. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices.

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 CFP® professional with Series 65 and Series 63 licenses, affiliated with Charles Schwab. He has four years of industry experience, including five years at Charles Schwab Bank and Charles Schwab, and previously worked eight years with H&F Productions LLC/Hallmark Channel. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary and discretionary investment management with strategic asset allocation, alternative investment due diligence, and integrated custody and brokerage services.

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.

Erika Bylund is a CFP® professional with 12 years of industry experience, currently affiliated with LPL Financial since 2021. Her prior experience includes roles at Securities America Advisors, Inc., Securities America, Inc., Kestra Financial Services, Inc., and Point Sur Wealth Management, Inc. She operates a DBA related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Nathan Alvarado is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 41 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes both discretionary and non-discretionary options, with a broader set of financial product offerings than is typical for large institutional advisers.

Stephen Tetmeir is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he has business ownership in Acorn Group, LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to offer tailored, written recommendations through a centralized retirement-income consulting team.

Wilbert Dominguez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo Bank. 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 offers a range of services including discretionary and non-discretionary retirement plan consulting supported by research from Wells Fargo Investment Institute.

Jeff Koester is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011 and 2016, respectively. Outside of his advisory role, he co-owns rental properties in Santa Maria, CA, with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. Their investment process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their offerings.

Troy Prober is a financial advisor with LPL Financial in Arroyo Grande, CA, holding a Series 66 credential and two years of industry experience. His prior roles include positions at Mechanics Bank, Edward Jones, and Bank of America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options.

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.