Brian Clarke is a financial advisor at Morgan Stanley in San Luis Obispo, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize firm-approved tools and market simulations to assist clients in developing tailored plans.

Joseph Harter III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services primarily to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Gary Yoder is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2009. His current roles include positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Noah Aragon is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Firestone Walker Brewing Company and iFixit, among other businesses in diverse sectors. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by research and due diligence.

Chandra Platt is a financial advisor with Morgan Stanley in San Luis Obispo, CA, holding a Series 66 credential and 10 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Platt is involved in an art and culture venture, working occasionally as a designer. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Jeff Showers is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. Based in the Bakersfield office, he has been with Merrill Lynch since 1984. Jeff helps clients determine long-term financial goals and develop strategies in areas such as education planning, family wealth management, retirement planning, and retirement income. He holds a Bachelor of Science in Finance from San Jose State University and has earned multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jeff is a native of Kern County and is involved in the community as a member of the advisory board for the Bob Elias Athletic Hall of Fame. Outside of his professional work, Jeff enjoys hiking, music, reading, and spending time with his wife, Kym, their two children, and three grandchildren.

Marie Caldera is a financial advisor at LPL Financial with 36 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for NEXT Financial Group, Inc. for 25 years. Outside of her advisory role, she owns and operates Marie Caldera Insurance Services, a non-variable insurance agency based in San Luis Obispo, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sandra Sailer is a financial advisor at Stifel with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Loren Peters is a financial advisor with OSAIC, holding a Series 66 designation and 26 years of industry experience. His prior experience includes roles at Lincoln Financial Advisors Corporation, Bank of America, and Merrill. Outside of advising, he owns WealthQ2, LLC, a legal entity for business management purposes. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs tools such as asset-allocation models and automated rebalancing to construct portfolios that include a broad range of investment options.

Eddie Holmes is a CFP® and ChFC® with 30 years of industry experience, currently advising at OSAIC since 2024. His previous roles include positions at Woodbury Financial Services and Questar Asset Management. In addition to his advisory work, he operates as a sole proprietor selling life, disability, health insurance, and fixed annuities in San Luis Obispo. OSAIC serves a diverse client base, including individual investors, institutions, and charitable organizations, offering integrated advisory and brokerage services through a large network of affiliated financial advisers. The firm utilizes various tools and platforms to construct and manage portfolios across multiple asset classes on discretionary or non-discretionary bases.

Robert Nagle is a financial advisor at Wells Fargo Advisors with 13 years of industry experience. He holds a Series 66 designation and has worked within Wells Fargo-affiliated entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services for business-owner transitions, sports and entertainment, special needs, and divorce planning.

Edward English is a CFP® professional affiliated with Raymond James & Associates with 22 years of industry experience. He has held positions at Merrill Lynch and Bank of America prior to joining Raymond James. Outside of his advisory role, he provides life coaching for men and serves on the board of the San Luis Obispo Classical Academy, a private school. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and retirement plans. The firm emphasizes tailored, non-discretionary financial planning and investment consulting supported by extensive research, portfolio management options, and municipal advisory services.

Jocelyn Furtado is a financial advisor with Edward Jones in Los Osos, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Jocelyn worked in various roles across hospitality and entertainment sectors. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of advisors and branch offices nationwide.

Elizabeth Raines is a financial advisor at Cetera with five years of industry experience and holds Series 63 and Series 65 registrations. She previously worked at Avantax Advisory Services and Avantax Investment Services. Outside of her advisory role, she assists with event coordination at her family’s Dubost Winery, supporting various wine club and wedding events. Cetera Investment Advisers LLC serves individual, corporate, institutional, and charitable clients through a large network of independent advisors, offering discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm operates a multi-manager platform with access to affiliated and third-party managers and manages over $256 billion in assets.

Gerardo Barajas Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he has ongoing involvement with the Oceana Hotel Santa Barbara. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Corban Lethcoe is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has prior affiliations with firms including Bank of America, Merrill, and HighTower Securities. Outside of his advisory role, he serves as Secretary for the San Luis Obispo chapter of Toastmasters International, an organization focused on developing public speaking skills. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

David Gaddis is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Edward Jones since 2001. He is based in Pismo Beach, CA, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved as a non-managing member or owner in several business ventures, including a local restaurant and multiple rental properties in the San Luis Obispo area. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large network of advisors and branches, as well as its affiliated capabilities beyond traditional advisory services.

Kathleen Swan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kevin Gaunt is a financial advisor with UBS Financial Services in San Luis Obispo, CA, holding a Series 66 designation and 16 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets services.

Nazaree Jackson is a financial advisor at Edward Jones with Series 66 credentials and five years of industry experience. He held previous positions at Financial Advocates Investment Management, Strategic Wealth Advisors Group, and LPL Financial, and also worked at Edward Jones from 2003 to 2017. Outside of advisory work, he is involved with Jackson Enterprise LLC, managing real estate transactions in Redmond, Oregon. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm offers a range of investment strategies and advisory services supported by a nationwide network of more than 23,700 financial advisors.