Cyndie Barone is a CFP® with 24 years of experience in the financial industry. She has worked at LPL Financial since 2024 and previously spent 16 years with Lincoln Financial Securities Corporation. In addition to her advisory role, she prepares and e-files tax returns through her own firm, Cyndie Barone CFP & Associates. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Brian Williams is a financial advisor with Edward Jones in Palm Springs, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory work, Brian serves as President Elect of Essential Pregnancy Services and is a Member at Large of the Omaha Hearing School. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions and operates under a fiduciary standard with a nationwide network of approximately 23,701 financial advisors.

Virginia Nelson is a financial advisor with Edward Jones in Rancho Mirage, CA, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining Edward Jones in 2019, she worked at Farmers Financial Solutions and Farmers Insurance. Nelson is involved with the Rancho Mirage Chamber of Commerce as a volunteer board member and has occasionally performed uncompensated voiceover work for radio and TV commercials. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a wide range of households and organizations. The firm manages over $1 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jason Gorski is a financial advisor with Morgan Stanley in Palm Desert, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets, Inc. since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Gabriel Aguirre is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, City National Bank, RBC Capital Markets, Merrill, and Banc of America Investment Services. Outside of his advisory work, he is involved with Desert 2 Beach, LLC in Palm Desert, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Courtney Taylor is a financial advisor at RBC Capital Markets with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has been with RBC Capital Markets since 2016. Outside of her advisory role, she is the owner and landlord of a rental property in Arizona. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles using a variety of investment managers and customized strategies.

Geoffrey Dettlinger is a financial advisor with Raymond James & Associates, holding CFP® and Series 63 credentials and bringing 33 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley. Outside of his advisory work, he supports fundraising efforts for the California Men's Crew team at UC Berkeley. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base through tailored, non-discretionary financial planning and consulting, offering a range of portfolio management styles and institutional fiduciary solutions.

Gregory Hill is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. His prior experience includes roles at Ameriprise Financial Services Inc, Bank of America, N.A., and Merrill. Outside of advising, he has business ownership through Shining Star Ventures, LLC, which holds a financial partnership interest in an Ameriprise franchise. Ameriprise is an institutional firm that offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations, leveraging a centralized consulting team and algorithmic tools to support financial advisors.

Matthew Howe is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously worked at City National Bank for twenty years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and supports a large network of financial advisors across the United States.

Richard Jones is a financial advisor at Merrill with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1989, concurrently serving at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marc Minkoff is a financial advisor at OSAIC with 39 years of industry experience. He held a position at Woodbury Financial Services Inc. from 2015 to 2024 before joining OSAIC. Minkoff operates Minkoff Capital, a sole proprietorship used for his financial advising business. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools and third-party platforms to construct portfolios across various asset classes and provides both discretionary and non-discretionary account management.

Kathleen Valentine is a financial advisor with Morgan Stanley in Palm Desert, CA. She holds Series 63 and Series 65 licenses and has 42 years of industry experience. Since 2009, she has worked with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate market modeling to guide financial strategies.

Stephany Calvillo is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. Her prior work includes roles at Walter Clark Legal Group and LG's Steakhouse. 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, and institutional investors.

Roberto Santos Jr. is a Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2020 and has experience transitioning from retail banking to advisory roles, including working as a Merrill Banking Specialist serving advisory teams in the Inland Empire Market. He holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of Washington. Roberto focuses on managing new wealth, personal retirement planning, portfolio management services, and retirement income. He works with clients by listening and helping them make informed decisions to build comprehensive wealth management strategies tailored to individual needs. He primarily works with active and retired professionals who value direct communication delivered with kindness and an invested interest in their success. Outside of his professional work, Roberto has personal interests in basketball, football, hiking, and pickleball. He is fluent in English and Spanish.

Mark Zimmerman is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in private wealth management. He specializes in family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, special needs planning strategies, sports and entertainment, and retirement income. Mark applies his extensive knowledge of economic trends and history to develop comprehensive wealth management strategies tailored to clients' goals. Born and raised in Brooklyn, New York, Mark earned a Bachelor's Degree from Brooklyn College before relocating to California 42 years ago. He holds the Personal Investment Advisor (PIA) professional designation. Mark is a supporter of TERI, Inc., a nonprofit organization dedicated to providing housing and education for individuals affected by autism and other developmental disabilities. He is also active in the Southern California motorsports community. Mark and his wife live in La Quinta, California.

Janet Malachowsky is a financial advisor with Morgan Stanley, holding a Series 66 designation and 16 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2010 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes structured discovery conversations and firm-approved planning tools in its process.

Richard Borish is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for ten years before joining Wells Fargo Clearing in 2023. Outside of his advisory role, he manages a rental property in Rancho Mirage, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Stephen Davis is a financial advisor with Morgan Stanley Wealth Management in Rancho Mirage, CA, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and also serves with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the owner of HOTEL AMAPOLA LLC, an LLC involved in apartment building investments. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kelly Dougherty is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 43 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney and Citigroup Global Markets Inc. since 2009 and 2008, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and offers planning tools that incorporate Global Investment Committee estimates and Monte Carlo simulations.

Anne Middleton is a financial advisor with Wells Fargo Advisors who holds a Series 66 designation and has 17 years of industry experience. She has worked within various Wells Fargo entities since 2014, including Wells Fargo Advisors Financial Network since 2026 and Wells Fargo Clearing since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas like business-owner transition and special-needs analysis, using proprietary research and planning tools.