Travis Wiltgen is a financial advisor with LPL Financial in Murrieta, CA, holding a Series 66 designation and six years of industry experience. His prior firms include CUNA Brokerage Services Inc., CUNA Mutual Group, Retirement Income Strategies, Cottingham & Butler, and LifePro Financial Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

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.

Chris Leonhard is a financial advisor with Ameriprise in Murrieta, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He worked at UBS Financial Services Inc. from 2010 to 2019 before joining Ameriprise Financial Services Inc., where he has been since 2019. Ameriprise provides a retirement-income planning service for clients generally with at least $1 million in net investable assets, offering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a centralized retirement-income consulting team and combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted recommendations.

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® with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2014. He also holds a role with San Diego County Credit Union and is involved with SDCCU Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and advanced technologies.

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.

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.

Douglas Mccowen is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Independent Financial Group, LLC and NPB Financial Group, LLC. Mccowen is also involved in life and health insurance sales and service outside of his advisory role. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using asset-allocation tools and third-party solutions to manage portfolios across various investment types on both discretionary and non-discretionary bases.

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 in Temecula, CA, holding a Series 66 license and with 24 years of industry experience. He has been with LPL Financial since 2011 and concurrently works with San Diego County Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Scott Chon is a financial advisor at OSAIC with 39 years of industry experience. He holds the ChFC® designation and Series 66 license. His career includes more than 25 years at Securities America Advisors Inc. and he is also CEO of News Financial & Insurance Services, Inc., an independent insurance agency. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services along with multiple investment platforms. The firm utilizes comprehensive asset allocation tools and supports both discretionary and non-discretionary account management strategies.

Michael Beiter is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He previously worked at Ameriprise and Ameriprise Financial Services from 2001 to 2024 before joining LPL Financial. He is also involved with Silverback Wealth Management, a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

James Weems is a financial advisor at Edward Jones in Temecula, CA, with four years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. His previous work experience includes roles at The Home Depot, Webster University, and Parker Hannifin. 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 offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

John Kendall is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for five years before joining Schwab in 2018. He serves as a non-paying board member of Christian Arts & Theater, a nonprofit charitable organization. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investments.

Robert Hickox is a financial advisor at Edward Jones in Lake Elsinore, CA, holding the ChFC® and Series 66 designations with 17 years of industry experience. He has been with Edward Jones since 2009. 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 investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jennifer Jackson Horn is a Series 66 licensed financial advisor with Edward Jones in Murrieta, California, and has 10 years of industry experience. She has been with Edward Jones since 2014. Outside of her advisory role, she owns an equestrian accessories business called Savvy Show Mom. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory strategies and affiliated investment options, supported by a nationwide network of more than 23,700 financial advisors.

Larry Price is a financial advisor with LPL Financial, holding a Series 63 designation and 32 years of industry experience. He has been with LPL Financial since 2012. Price is also involved in related business activities with San Diego County Credit Union member investment services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from various sources to support diversified investment strategies.

Gary Allen is a financial advisor with Stifel in Murrieta, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Merrill and Bank of America. Outside of advising, he is the owner of Hawk Properties LLC. Stifel serves a diverse client base, including individuals, institutions, and municipal entities, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.