Mary Carruthers is a CFP®-designated financial advisor with 42 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2009. Outside of her advisory role, she serves as president of H.M. Bradley Properties, LLC, where she manages mineral interests and related administrative responsibilities. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Nora Jashari is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. Her prior work includes roles at Wells Fargo Clearing, JP Morgan Chase Bank, Merrill, and Bank of America. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies.

Roxanne Jones is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Independent Capital Management and Sagepoint Financial. Outside of her advisory work, she serves as treasurer for Camille Russell Wooden Ministries, a nonprofit organization. OSAIC serves a diverse clientele including retail and institutional investors, offering a range of integrated brokerage, investment advisory, and financial planning services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and a variety of investment options to construct portfolios managed on both discretionary and non-discretionary bases.

Danny Payne is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 licenses. He has 24 years of industry experience, including 14 years at National Planning Corporation before joining LPL Financial in 2017. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and technology-driven portfolio management.

Kenneth Smith is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and 2 years of industry experience. His prior work includes roles at PFS Investments Inc. and Primerica Financial Services. He has additional experience in the restaurant industry and education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing.

Damon Hopkins is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2018. Prior to that, he was employed at Scottrade from 2015 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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.

Ashkhen Ispiryan is a financial advisor with Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation and eight years of experience at the firm. Prior to joining Edward Jones in 2018, she was not employed in the industry. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

John Storm is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Transamerica Financial Advisors, and World Financial Group. In addition to his advisory work, he is the CEO of a health insurance business and a certified Covered California health agent. OSAIC Wealth, Inc. serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party platforms to construct diversified portfolios across various asset classes.

Sandra Ruiz is a financial advisor at Fidelity with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of her advisory role, Ruiz owns a catering business, Bella Vita Boards, operating on some weekends. Fidelity’s Strategic Advisers LLC serves a diverse client base including retail and institutional investors, providing advisory and portfolio management services that integrate fundamental research with quantitative analysis and systematic portfolio construction.

Margaret Cape is a financial advisor with Morgan Stanley in Riverside, CA, holding a Series 66 credential and possessing 17 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advisory work, she is employed in customer service at a retail and online store. Morgan Stanley Wealth Management is an SEC-registered advisor and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured tools and analysis.

Tyler Waner is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked with LPL Financial since 2018 and previously was employed at the University of Arizona and The Homestead. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

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.

Phillip Cheng is a financial advisor with J.P. Morgan Securities in Eastvale, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan in various capacities since 2015. 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, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Randy Reyes is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 66 designation and has been with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Jazmine Cardona is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab. Her prior roles include positions at the State of California, Pruco Securities, LLC, Prudential Insurance Company of America, and Wells Fargo. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and comprehensive investment solutions.

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.

Virgilio Gagalang is a Series 66-licensed advisor with J.P. Morgan Securities, where he has worked since 2012. He has 23 years of industry experience. J.P. Morgan Securities 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 in its recommendations.

Ethan Miranda is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses. He has one year of industry experience, including roles at PFS Investments Inc. and Primerica Financial Services. Prior to entering the financial services industry, he worked in education for several years. He also receives non-investment related compensation for referrals involving home security, automation products, and loan services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW 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 trades and custody through Pershing, offering a range of investment models including those with cryptocurrency ETF allocations.