Mark Zimmerman is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in private wealth management. He specializes in family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, special needs planning strategies, sports and entertainment, and retirement income. Mark applies his extensive knowledge of economic trends and history to develop comprehensive wealth management strategies tailored to clients' goals. Born and raised in Brooklyn, New York, Mark earned a Bachelor's Degree from Brooklyn College before relocating to California 42 years ago. He holds the Personal Investment Advisor (PIA) professional designation. Mark is a supporter of TERI, Inc., a nonprofit organization dedicated to providing housing and education for individuals affected by autism and other developmental disabilities. He is also active in the Southern California motorsports community. Mark and his wife live in La Quinta, California.

Janet Malachowsky is a financial advisor with Morgan Stanley, holding a Series 66 designation and 16 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2010 and at Morgan Stanley Private Bank, National Association 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 utilizes structured discovery conversations and firm-approved planning tools in its process.

Richard Borish is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for ten years before joining Wells Fargo Clearing in 2023. Outside of his advisory role, he manages a rental property in Rancho Mirage, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Stephen Davis is a financial advisor with Morgan Stanley Wealth Management in Rancho Mirage, CA, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and also serves with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the owner of HOTEL AMAPOLA LLC, an LLC involved in apartment building investments. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kelly Dougherty is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 43 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney and Citigroup Global Markets Inc. since 2009 and 2008, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and offers planning tools that incorporate Global Investment Committee estimates and Monte Carlo simulations.

Anne Middleton is a financial advisor with Wells Fargo Advisors who holds a Series 66 designation and has 17 years of industry experience. She has worked within various Wells Fargo entities since 2014, including Wells Fargo Advisors Financial Network since 2026 and Wells Fargo Clearing since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas like business-owner transition and special-needs analysis, using proprietary research and planning tools.

Michael Brown is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 25 years of industry experience. His career includes roles at Merrill and Bank of America. He is currently based in La Quinta, California. J.P. Morgan Securities 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 institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Oscar Flores Gonzalez is a financial advisor with Merrill in Palm Desert, CA, holding a Series 66 designation and one year of industry experience. His background includes positions at Bank of America, N.A., Merrill, and PNC Bank, as well as work in fitness and food service industries. 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.

Yenia Padilla is a financial advisor at Edward Jones with nine years of industry experience. She holds a Series 66 designation and has worked with Edward Jones continuously since 2016. Outside of her advisory role, she assembles and delivers charcuterie boards for small weekend events as a hobby. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary strategies, including managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Augustino Suafoa serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing strategies for high-net-worth individuals, their families, and businesses to meet both short- and long-term financial goals. His approach involves a comprehensive discovery process that addresses not only financial matters but also health, family, charitable giving, home, work, and leisure to build structured plans aligned with clients' objectives, risk tolerance, and time horizons. Augustino focuses on goals-based wealth management, including wealth accumulation, preservation, and transfer. Prior to his career in financial services, Augustino served in the U.S. Navy in Norfolk, Virginia, and continues to serve in the Active Reserves in Coronado, California. His experience informs his passion for veterans' issues, and he is a member of the San Diego Military Advisory Council as well as the USNA Alumni Association. Augustino holds a Bachelor of Science degree in Finance from California State University and studied Economics at the United States Naval Academy from 1996 to 2000. He is also a Personal Investment Advisor (PIA). Outside of his professional responsibilities, Augustino enjoys spending time with his wife Jennifer and their four children in Rancho Mirage. He is active in training their Maltese puppy and participates in boating activities with the Navy. His personal interests include basketball, football, golfing, hiking, reading, skiing, traveling, and watching movies.

William Lacy is a financial advisor with Stifel in Palm Desert, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2010. Outside of his advisory role, he co-owns and serves as a corporate officer of Mary Beth Lacy Inc., a public relations firm. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Mark Marshall is a Series 66 credentialed advisor with 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory role, he serves as immediate past president and board member chair of the Mizell Senior Center, a nonprofit organization providing community services such as Meals on Wheels in Palm Springs, CA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, using both proprietary models and third-party strategies across multiple custody platforms.

John Rudningen is a financial advisor with LPL Financial and holds the Series 63 and Series 65 designations. He has 29 years of industry experience, with prior roles at Morgan Stanley, Banc of America Investment Services, and Citigroup Global Markets. In addition to his work as an advisor, Rudningen teaches business classes at Desert Sands Unified School. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a broad range of investment approaches through model portfolios, third-party subadvisors, and customized strategies, operating alongside various non-advisory financial services and managing over $819 billion in discretionary assets.

Michael Goodman is a CFP®-credentialed financial advisor with 28 years of industry experience. He has been with Cetera since 2026 and previously spent 20 years at Gold Coast Securities, Inc. In addition to his advisory role, he owns and operates a CPA and tax services business providing bookkeeping and accounting services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Carol Bezner is a financial advisor with LPL Financial, holding 36 years of industry experience. She previously worked at Financial West Group for 22 years and Western International Securities, Inc. for eight years. Additionally, she has an involvement with OceanView Life & Annuity Co., focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, utilizing various investment strategies and technology tools, supported by a network of over 22,800 advisors.

Mark Schwartz is a financial advisor with Morgan Stanley in Rancho Mirage, CA, holding Series 63 and Series 66 credentials and possessing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, Schwartz serves as a trustee for a personal trust involved in life insurance distribution and is a member of Tulane University College of Liberal Arts Dean’s Advisory Council, providing guidance on fundraising and curriculum matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs for both individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that incorporates structured discovery conversations and firm-approved tools to model client outcomes.

Gregory Matthews is a financial advisor with Charles Schwab in La Quinta, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at Charles Schwab since 1995 and was also employed by Charles Schwab Bank from 2005 to 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Noel Dodge is a financial advisor with Morgan Stanley in Palm Desert, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009, Citigroup Global Markets since 2008, and UBS Financial Services from 2003 to 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Douglas Vollmer is a financial advisor at Wells Fargo Clearing with 54 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors LLC from 2009 to 2016. He is based in Palm Desert, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Cason is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations and having 50 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and also leads Prairie Sky Financial Group, which he has operated since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.