Melissa Winn is a financial advisor with RBC Capital Markets in Cathedral City, CA, holding Series 63 and Series 66 licenses and 11 years of industry experience. Her prior roles include positions at New York Life Insurance and its affiliated firms from 2015 to 2021. Outside of her advisory work, she operates a family photography business. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs that combine in-house and third-party investment management with customizable portfolio features.

Nancy Braun Romo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she owns and operates Nancy Romo Photography, focusing on event and portrait photography, and is also involved in a baking business called Gluten Free As A Bird. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, participant education, and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Haddock is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Indian Wells office. He began his career with Merrill Lynch Wealth Management in 2011 and has since focused on providing comprehensive financial advice to clients. John specializes in areas such as college education planning, managing new wealth, portfolio management services, tax minimization, and retirement income planning. He holds a bachelor's degree in Finance from California State University, San Bernardino, graduating with honors. John is also a CERTIFIED FINANCIAL PLANNER® (CFP) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. In addition, he holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). John resides in Palm Desert and maintains a strong connection to the Coachella Valley community as a lifelong native. He is an avid golfer and enjoys basketball, chess, cooking, football, and table tennis. His approach to financial planning emphasizes collaboration to create personalized strategies aimed at helping clients pursue their goals.

Douglas Eaton is a financial advisor at UBS Financial Services in Rancho Mirage, CA, with 39 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 1986. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management, including futures commission merchant services, principal trading, and affiliated banking programs.

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.

Luis Carrera is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 20 years of industry experience. Prior to joining LPL in 2022, he worked at Charles Schwab in various roles from 2007 to 2022 and briefly at Wells Fargo Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a range of investment strategies and platforms facilitated by a large network of investment adviser representatives.

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.

Tami Salzer is a financial advisor with LPL Financial in La Quinta, CA, holding a Series 66 designation and 18 years of industry experience. She has been with LPL Financial since 2010 and previously worked at Morgan Stanley in 2009. Her other business activity includes operating under the DBA Solis Wealth Management, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 and allocation approaches.

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.