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.

Kyle Gilbert is a financial advisor at Morgan Stanley in Riverside, CA, holding a Series 66 designation with 22 years of industry experience. He has been with Morgan Stanley and its related entities since 2009. Outside of his advisory role, he serves as an independent contractor teaching at the University of California, Riverside. 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 using structured processes and tools, managing approximately $2.74 trillion in client assets.

Paul Mendonca is a financial advisor with Edward Jones in Redlands, CA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2018 and previously worked at Esri from 2012 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory services, 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 a large network of financial advisors and branch offices across the United States.

Ethan Miranda is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to his current role, he worked in education at La Sierra University, Apple Valley High School, and Sitting Bull Academy. In addition to his advisory work, he is involved in selling loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based investment strategies developed by third parties and offers discretionary portfolio management supported by BNY Mellon Advisors and Pershing.

Jorge Lopez Rivera is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. Prior to that, he held positions at Opendoor Labs Inc., Co-Op Financial Services, and PCV Murcor. 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, and institutional investors, with implementation support and customization options.

Justin Martinez is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, U.S. Bancorp Investments, and LPL Financial. Outside of finance, Martinez operates a sole proprietorship focused on retail sales of t-shirts, music, and artist merchandise. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a wide range of brokerage and advisory services. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and risk management, supporting both discretionary and advisor-managed strategies.

Mario Silva Escoto is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. since 2025, following nearly a decade at Merrill and two years at Azusa Pacific University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kyle Massey is a financial advisor at OSAIC with 20 years of industry experience and holds the Series 66 designation. His prior roles include positions at Morgan Stanley, E*TRADE, Harrisdirect, LPL Financial, and TD Ameritrade. Outside of his advisory duties, Massey operates KMASS LLC, a personal consulting business supporting Providence Wealth Planning. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services across various programs, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and offers access to third-party managers and proprietary strategies.

Micah Tokuda is a Series 66-licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015. Outside of his advisory role, Tokuda serves on the board of California Baptist University’s Robert Jabs School of Business Finance Department, is president of the university’s School of Business Alumni Council, and holds leadership positions with the Riverside Chamber of Commerce and the Pick Group of Young Professionals. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Enda Veres is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. In addition to his advisory roles, he has experience in education with the Riverside Unified School District and operates a private music instruction business. He is also engaged as a mobile DJ in the Grand Terrace area. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a tiered wrap-fee structure.

Paul Gesiriech is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, with prior experience at Chase Investment Services Corp. and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a focus on Eligible Strategies and incorporates an ESG eligibility framework.

David Fricke is a financial advisor with LPL Financial, holding a Series 66 designation and having 11 years of industry experience. He previously worked at Edward Jones for 11 years before joining LPL Financial in 2026. 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 financial planning, model portfolio programs, and institutional platforms, combining a broad range of advisory services with extensive non-advisory financial activities.

Jessica Lundquist is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been affiliated with Bank of America, N.A. and Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Don Stalker is a CFP® professional with over 31 years of experience in the financial services industry. He has worked at Cambridge Investment Research Advisors since 2005 and previously spent seven years with Waddell & Reed. Outside of his advisory role, he is involved in the performing arts as a musician and songwriter. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages assets across multiple platforms and custodians while offering both discretionary and non-discretionary management options through proprietary model strategies and third-party advisers.

Fernando Hirugami is a financial advisor with Merrill in Riverside, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he was involved with Vision Solved Wealth Management Group and has experience in marketing, wealth management, and estate planning. Outside of his advisory role, he is owner and operations manager of Shift Studios LA, a clothing studio. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.