Christopher Barney serves as a Senior Resident Director and Wealth Management Advisor, offering personalized wealth management strategies to help clients pursue their long-term financial goals. He utilizes investment insights from Merrill and banking services from Bank of America to create flexible strategies tailored to each client's unique financial situation. With 20 years of experience in financial services, Christopher specializes in assisting individuals and families with investment and wealth management needs, focusing on areas such as divorce transition planning, defined benefit plans, personal retirement planning, portfolio management, and retirement income. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a Bachelor's Degree from Brigham Young University. He is also involved in community activities such as Disaster Relief Transport and LDS Charities. Outside of his professional work, he enjoys basketball, gardening, and traveling.

Arnie Gonzalez is a Series 66-credentialed financial advisor with 10 years of industry experience. He has worked at Merrill from 2003 to 2022 and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank, N.A. since 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michelle Rickard is a Series 66-licensed advisor at Merrill with three years of industry experience. She has been with Merrill since 1998. 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 strategies developed by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joshua Tobias is a financial advisor at Edward Jones with 7 years of industry experience. He holds the ChFC® designation and Series 66 license. His career includes prior roles at KForce, Bankers Life and Casualty, Northwestern Mutual, Anheuser Busch InBev, and involvement with the Edward Jones Family YMCA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Robert Amatore is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked with Cetera and Cetera Financial Specialists LLC since 2007 and previously spent three years at Quantum Sales LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options across diverse account structures.

David Massongill is a financial advisor with LPL Financial in Yucaipa, California, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Securities America, Inc., Securities America Advisors, and National Planning Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services incorporating discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Edward Harris is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 registrations and bringing 46 years of industry experience. He has been with LPL Financial since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services supported by model portfolios, research, and various investment strategies.

Tommy De Graw is a Series 66-licensed financial advisor with 10 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at CUSO Financial Services, LP and Edward Jones. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory and brokerage services, offering discretionary and non-discretionary management, model portfolios, and retirement plan consulting through its extensive network of investment adviser representatives.

Christopher Vargas is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked at various J.P. Morgan entities since 2010, including JPMorgan Securities LLC and JPMorgan Chase Bank, NA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining institutional advisory capabilities with brokerage and investment management services.

Jose Del Carmen is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America since 2014 and has been with Merrill since 2013. Outside of finance, he has experience in the hospitality industry, having worked at Heroes Bar and Grill from 2014 to 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Austin Schmidt is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Austin was born and raised in Riverside, California. He earned a Bachelor's Degree in Business Administration with a concentration in Finance from California State University, San Bernardino. Before joining Merrill Lynch, Austin was actively involved in the music industry as a lead guitarist in a touring band that performed at large venues, including the Vans Warped Tour. He decided to pursue a career as a financial advisor, following in his father's footsteps, and subsequently formed a father/son team at Merrill Lynch. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Austin enjoys playing guitar, attending concerts, watching sports such as baseball, basketball, football, and ice hockey, camping, singing, spending time with his family, and watching movies.

Steven Beck is a CFP® professional at LPL Financial with 12 years of industry experience. He has worked at LPL Financial since 2021 and is also involved with Loza, Beck & Associates LLC. Beck provides tax preparation and accounting services in addition to his financial 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by model portfolios, third-party research, and various investment strategies.

Mark Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Laura Richards is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 18 years of industry experience. She previously worked at Bank of America, N.A., and Merrill, accumulating extensive experience before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Yvette Giove is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley 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 manages approximately $2.74 trillion in client assets.

Ismael Rojo is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at SBCUSD, Walmart, and AT&T. Outside of advising, he is involved with Thrive Academics, an educational organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts primarily to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

David Floyd is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 32 years of industry experience. His career includes more than three decades with Primerica Financial Services and roles with the County of San Bernardino. Outside of his advisory work, he serves as an executor of an estate and is involved in referral activities for home security and related services. Primerica Advisors sponsors 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 entities. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties.

Seema Sethi is a financial advisor with LPL Financial in Riverside, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007. In addition to her advisory role, she is licensed to present and sell term life insurance, long-term care insurance, fixed annuities, and indexed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Randall Hord is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Raymond James Financial since 2003. He is also a board member of Riverside Community Hospital. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary consulting and advanced risk and outcome modeling.

Deborah Ames is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been with Primerica Advisors since 2014 and Primerica Financial Services since 2013. Outside of advisory services, she is involved in the sale of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and separately managed account options to individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.