Samantha Zermeno is a financial advisor at Ameriprise with six years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2019. Outside of her advisory role, she is also an associate advisor at Mission Partnership Group LLC. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports.

Caryn Olson is a financial advisor with Primerica Advisors holding Series 63 and Series 65 licenses. She has one year of experience in the financial industry and concurrently works at UHS Temecula Valley Hospital, where she has been employed for 18 years. 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 operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model portfolios managed by unaffiliated asset managers.

Stephon Pieters is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at Bank of America, Scottrade, and TD Ameritrade. He is based in Loma Linda, California. 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 plans, corporations, and charitable organizations.

James Kosan is a Series 66-licensed financial advisor with 21 years of industry experience. He is currently with UBS Financial Services, where he has worked since 2024. His prior experience includes roles at Morgan Stanley Private Bank and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocation.

Benjamin Guizlo is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 66 registrations and 17 years of industry experience. His prior experience includes roles at Enduring Business Management, Grace Community Church, Pick Group, Waddell & Reed, and Logos Wealth Advisors. He also maintains a role managing sound and video equipment for Grace Community Church. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and technology.

Steven Kanouse is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Avantax Advisory Services and Avantax Investment Services, Inc., and has operated Kanouse & Associates since 2007, providing tax preparation and accounting services alongside his advisory work. Kanouse also serves as a trustee of the Kanouse Family Mineral Trust and is involved in insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program platforms, third-party money managers, and model portfolios.

Douglas Cha is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. He has worked at various Morgan Stanley entities since 2003, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Yajaira Litwinski is a financial advisor at Stifel with one year of industry experience. She holds Series 63 and Series 65 licenses and has worked at Stifel since 2025. Outside of her advisory role, she owns and operates Lady Lit Art, a business focused on producing and selling art both online and in person. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation models developed by its Investment Strategy Group.

Deontae Hurd is a financial advisor with Primerica Advisors holding Series 63 and Series 65 licenses. He has been in the financial services industry since 2025, with prior experience in the roofing and retail sectors. Primerica Advisors is a large institutional firm offering a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

David Maxwell is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has a broader tenure with Wells Fargo Bank NA dating back to 2011. He also worked at Waddell & Reed from 2009 to 2011. He holds a Series 66 designation. Wells Fargo Advisors serves individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ethan Mc Donald is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 65 designation and has previously worked at Wealth Enhancement Advisory Services, The Retirement Group, and several other organizations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered by a large network of investment adviser representatives.

Jonathan Benvenisti is a financial advisor at Primerica Advisors with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with PFS Investments Inc. and Primerica Financial Services since 2008. His other business activities include the sale of loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual, corporate, and charitable clients. The firm uses model-based investment strategies managed by unaffiliated asset managers and supports account custody through Pershing and BNY Mellon Advisors.

Madhu Mali is an Executive Planning Consultant at Fidelity Investments, a role held since 2025. She has held various positions within the financial services industry, including Benefits and Planning Consultant and Investment Solutions Representative at Fidelity Investments, Investment Representative at J P Morgan Securities LLC, Senior Financial Sales Advisor at BBVA Securities Inc., and Financial Executive at Trilogy Financial Services. Her professional experience spans areas such as financial planning, investment solutions, and benefits consulting. Madhu holds a California Insurance License and communicates proficiently in Gujarati, Hindi, and Marathi. Outside of her professional work, Madhu has interests in art, beach activities, hiking, painting, and volunteering.

Brandon Estrada is a CFP® and ChFC® affiliated with J.P. Morgan Securities, with 14 years of industry experience. He has worked at various divisions of JPMorgan Chase since 2011, including J.P. Morgan Securities and JPMorgan Chase 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Cameron Valadez is a CFP® professional with 11 years of industry experience, currently affiliated with LPL Financial since 2021. His prior work includes roles at Waddell & Reed, Inc., and various insurance carriers through W&R Insurance Agencies. In addition to his advisory work, he is involved in tax preparation and accounting as an enrolled agent and has co-authored a small marketing book, as well as engaging in public speaking. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a broad suite of financial services.

Juan Vargas is a financial advisor with OSAIC in Riverside, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. He previously worked at Securities America Advisors and Woodbury Financial Services. Outside of his advisory role, Vargas is involved in insurance sales and serves as president of Cognitio Capital, an insurance agency specializing in fixed life insurance and annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, corporate, and charitable clients through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to construct and manage portfolios.

Tania Mc Elroy is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at Bank of America, Cal State San Bernardino, and Chaffey Community College. 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.

Luis Tinoco Burbano is a financial advisor with Primerica Advisors holding Series 63 and Series 65 credentials. He has been with Primerica Advisors since 2026 and previously worked at Primerica Financial Services, Crevier BMW, Ontario Volkswagen, and Pink Xterminators Inc. 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 uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and account custody through third-party providers.

Joshua Mccoy is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing 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 tailored, non-discretionary recommendations through a centralized consulting team.

Blake Smith is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2022, he worked at the University of Washington, Crafton Hills College, and Arrowhead Orthopedics. Outside of his advisory role, he serves as a high school football referee. 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 advisory and brokerage services, including financial planning and access to various model portfolios and institutional platforms.