Juan Medina Luna is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 66 licenses. He has six years of industry experience, including roles at Wells Fargo and Centaurus Financial. Medina Luna is also involved in entrepreneurial ventures such as Asegure Su Legado, a consulting services firm. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm uses an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through its network of 477 independent investment advisors.

Scott Meinert is a financial advisor with Valic Financial Advisors in Glendale, CA, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. He has been with Valic Financial Advisors since 2014 and is also an agent at Agia, where he offers non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm provides discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Scott Carlin is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and offering 31 years of industry experience. He has worked at PlanMember since 2018 and previously spent 24 years with Legend Equities Corporation, among other roles. Carlin also owns and operates Carlin Insurance Agency, a business focused on insurance sales and services. PlanMember provides retirement-plan advisory services to employers and participants, serving as a fiduciary under ERISA Section 3(38) for many plans. The firm employs a top-down strategic asset allocation framework to manage risk-based mutual fund portfolios and offers education and support services, including seminars and personalized retirement planning.

La Tanya Harris is a financial advisor with VOYA Financial Advisors, Inc. holding Series 63 and Series 65 registrations and 12 years of industry experience. Prior to joining Voya in 2017, she worked at Advised Assets Group, LLC and Michaels. Outside of her advisory role, she serves as a part-time faculty member at Long Beach City College, where she develops curriculum and teaches management courses focused on planning, organizing, leading, and controlling. VOYA Financial Advisors, Inc. is an enterprise-scale firm providing financial planning, portfolio management, and retirement advisory services to individuals, pension plans, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to deliver investment solutions, often operating in a non-discretionary capacity with client authorization for trades.

Amanda Smithberg Urban is a Series 66-licensed financial advisor with Ameriprise, based in Riverside, CA, with 20 years of industry experience. Her career includes roles at Morgan Stanley and LPL Financial before joining Ameriprise in 2011. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through comprehensive recommendation reports and ongoing advice. The firm's approach combines proprietary research and third-party data, emphasizing tax-aware withdrawal strategies and dependable income sources for clients approaching or in retirement.

Mike Mc Coy is a financial advisor with Ameriprise who holds a Series 63 designation and has 37 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, he is involved in commercial real estate ownership. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Arturo Centeno is a financial advisor with J.P. Morgan Securities in Riverside, CA, holding a Series 66 designation and 22 years of industry experience. He has worked with several major firms including Morgan Stanley and Citigroup before joining J.P. Morgan in 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory program.

Precious Bois is a Wealth Management Senior Relationship Manager at Fidelity Investments, serving ultra-high-net-worth clients in the Los Angeles area. In this role, Precious focuses on delivering service tailored to clients' evolving financial needs and connecting them with specialists across a broad range of financial topics to support comprehensive wealth planning. Precious has extensive experience in wealth management, having held various positions at Fidelity Investments since 2016, including Private Wealth Management Senior Relationship Manager, Planning Consultant, and Relationship Manager. Prior to joining Fidelity, Precious worked at Vanguard from 2010 to 2016 in roles ranging from Client Relationship Associate to Financial Advisor. Precious holds a California Insurance License. Outside of work, Precious enjoys family activities, exploring food, spending time with pets, reading, and attending theater performances.

Travis Bartsch is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Woodbury Financial Services, American General Financial Advisors, and Valic Financial Advisors. Outside of his advisory work, he operates a fixed insurance agency. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a multi-advisor platform with brokerage and advisory services. The firm uses a model-based investment approach with portfolio optimization tools and supports a variety of managed account strategies.

Damian Lozano is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and 13 years of industry experience. His background includes long-term roles in financial services and education, as well as managing a family-owned tax preparation service. He also engages in part-time office assistance for business purposes related to Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Jorge Caceres is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 registrations and has worked at firms including Live Nation Entertainment and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their approach incorporates centralized due diligence, a combination of quantitative and qualitative research, and the use of forward-looking capital market assumptions.

Arlette Oberg is a Series 66-credentialed financial advisor with 17 years of industry experience. She has been with Ameriprise since 2001, serving in her current role since 2020. 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 annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Mary Carruthers is a CFP®-designated financial advisor with 42 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2009. Outside of her advisory role, she serves as president of H.M. Bradley Properties, LLC, where she manages mineral interests and related administrative responsibilities. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Danny Payne is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 registrations and bringing 25 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various strategic investment options.

Aaron Handfield is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has previously worked at Edward Jones, J.P. Morgan Securities, CUNA Brokerage Services, and Schools First Federal Credit Union, where he continues to maintain a role. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Kenneth Smith is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and two years of industry experience. His prior work includes roles at PFS Investments Inc. and Primerica Financial Services. Outside of advisory services, he has compensation arrangements related to the sale of loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through established third parties.

Ashley Klein is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and eight years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Bruce Hibma is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group utilizing structured discovery processes and firm-approved planning tools.

Margaret Cape is a financial advisor at Morgan Stanley with 18 years of industry experience and holds a Series 66 designation. She previously worked at Wells Fargo Clearing for seven years before joining Morgan Stanley Smith Barney LLC in 2023. Outside of her advisory role, she has involvement in retail customer service through a non-investment-related position at Kohl's Department Store. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Tyler Waner is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining LPL Financial in 2018, he worked at the University of Arizona and The Homestead. 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 provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning and asset management solutions.