Vincent Hurd is a financial advisor with Merrill holding a Series 66 credential and no prior industry experience. His recent work history includes roles at Bank of America, N.A., Merrill, Hertz Global Holdings, and various positions outside the financial industry, including involvement with the Inland Empire Community Foundation. 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 plans, corporations, and charitable organizations.

Shane Smith is a financial advisor with UBS Financial Services in Riverside, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has been with UBS since 1992. Outside of his advisory role, Smith is involved in high school sports officiating, serving as a referee for football and basketball games in San Bernardino and Riverside counties. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and proprietary research distribution.

David Maupin is a financial advisor with LPL Financial in Redlands, CA, holding a Series 63 designation and over 42 years of industry experience. He has been with LPL Financial since 2009 and has worked at Associated Securities Corp. since 1984. Outside of his advisory role, he operates Maupin Financial Services as a home-based business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research.

Mikhail Mikhail is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 designations and five years of industry experience. His career includes roles at New York Life Insurance Co and Nationwide Life Insurance, among others. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations as part of collaborative, annual planning engagements.

Wayne Oberle is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining JPMorgan Chase Bank and J.P. Morgan Securities in 2022. 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 broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Truman Day is a financial advisor with Stifel, holding a Series 63 designation and 47 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2015. Outside of his advisory role, Day serves as a board member and fundraising committee participant for the Inland Empire Lighthouse for the Blind. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Anthony Jaramillo is a financial advisor with Merrill who holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Northwestern Mutual and a transport and leasing company. Outside of advising, he owns and operates Jaramillo Transport, a vehicle transport service serving car dealerships. 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 model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Robert Heinze is a CFP® professional with 31 years of industry experience, currently affiliated with Stifel Nicolaus & Co Inc since 2009. He serves as Chair of the Finance Committee for the Family Service Association of Redlands and holds board roles with the Myron Ratcliffe Family Foundation as Vice President and Kimberly Shirk Events, Inc. as President. Heinze also serves as President of the Copper Hill Home Owners Association. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to deliver asset allocation and planning analyses that support client decisions.

Elizabeth Stannard is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and four years of industry experience. Her work history includes roles at Pfs Investments Inc. and Performance Team, alongside a long tenure at Primerica Financial Services since 2003. Primerica Advisors sponsors and manages 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 thousands of advisors and offices, delivering advisory services through model-based investment strategies developed by unaffiliated asset managers.

Harry Bald is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1991. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively available separately managed accounts. The firm’s approach includes curated third-party asset managers and a tiered wrap-fee structure.

Darren York is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 designations and previously spent 10 years with CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing a combination of discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

Marie Johnson is a financial advisor at Raymond James Financial with 41 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Raymond James Financial and its affiliates since 1998. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Thomas Loza is a financial advisor at LPL Financial with 17 years of industry experience and holds a Series 66 designation. Before joining LPL Financial in 2021, he operated Loza, Beck & Associates LLC and has worked in both insurance and wealth management sectors. He also has a long history of involvement with the Riverside Community Health Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and corporations. The firm provides a range of financial planning and advisory programs with discretionary and non-discretionary management supported by research and model portfolios.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

Luis Villa Rojas is a financial advisor at Primerica Advisors with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2023. Outside of financial advising, he is involved with Professional Auto Transport. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Jose Triana is a financial advisor with Merrill based in Riverside, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he is also engaged in driving passengers and delivering food as part of a separate business activity. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving business owners and professionals, helping them navigate complex financial challenges to balance their professional and personal goals. With over 17 years of experience in the financial services industry, Michael provides tailored wealth management strategies utilizing Merrill Lynch's investment insights and Bank of America's banking solutions. As a Senior Portfolio Advisor, he manages discretionary custom investment strategies and selects from a wide range of model portfolios and third-party investment options to meet his clients' objectives. Michael holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. He completed his high school education at Jurupa Valley High School and attended Riverside Community College without completing a degree. Fluent in English and Spanish, he actively participates in professional organizations such as the Jurupa Valley Chamber of Commerce, Knights of Columbus Council 4793, Riverside Chamber of Commerce, and Southern California Youth Rugby. Outside of his professional pursuits, Michael is involved in community activities including the Susan G. Komen 3-Day For The Cure. He lives in Riverside, California with his wife Rachel and their two children, Ryane and Michael. His personal interests include fishing, golfing, woodworking, baseball, boating, camping, football, gardening, and hunting.