Cameron Valadez is a CFP® with 11 years of industry experience, currently affiliated with LPL Financial in Riverside, CA, where he has been since 2021. His prior experience includes roles at Waddell & Reed, Inc and various insurance carriers, as well as ownership of Plan-It Office Management, Inc. Outside of his advisory work, he is an enrolled agent overseeing tax preparation and accounting services and has co-authored a small marketing book and engaged in public speaking. 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 representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios from internal and third-party sources.

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.

Rodrigo Herrera is a financial advisor at J.P. Morgan Securities with 2 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining J.P. Morgan Securities, he worked at Merrill Lynch/Bank of America Corporation and Northwestern Mutual. Outside of his financial career, Herrera coaches soccer for the Inland United Soccer Club in Moreno Valley, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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 at LPL Financial with four years of industry experience. He holds a Series 66 designation and previously 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 an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Frederick Woolley is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial. His career includes previous roles at Western International Securities, Inc., Financial West Group, and Manufacturers Life Insurance Company. Woolley also maintains a non-variable insurance agent role alongside his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Sean Lugo is a financial advisor with Edward Jones in Redlands, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and tax-efficient services, operating under a fiduciary standard.

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.

Kimberly Romo is an investment advisor at LPL Financial with three years of industry experience. She previously worked at U.S. Bancorp Investments, Inc. and U.S. Bank. Outside of her advisory role, she serves as a California state notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

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.