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.

Adam Antekeier is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank NA before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in 2025. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

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.

Amy Song is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at HSBC Bank USA, HSBC Securities, UBS Financial Services, Merrill, Bank of America, and HMA Global. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports its clients with brokerage and advisory solutions informed by research from the Wells Fargo Investment Institute and third-party sources.

Jessica Rodriguez is a Planning Consultant at Fidelity Investments, where she collaborates with the Wealth Management Team to develop and implement comprehensive financial strategies tailored to clients' diverse financial needs. She has been with Fidelity Investments since 2020, progressing from Financial Representative to Relationship Manager before assuming her current role in 2025. Jessica holds a California Insurance License, supporting her work in financial planning and client advisement. Outside of her professional responsibilities, she enjoys activities such as comedy, concerts, family activities, hiking, outdoor adventures, and parenthood.

Elizabeth Stannard is a financial advisor with Primerica Advisors in San Bernardino, CA. She holds Series 63 and Series 65 licenses and has four years of industry experience. Her work history includes roles at Pfs Investments Inc and Performance Team, alongside her long-standing association with Primerica Financial Services. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm operates at a large scale, delivering advisory services primarily through model-delivery strategies created by unaffiliated asset managers, with oversight and custodial support from BNY Mellon Advisors and Pershing.

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 with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at CUSO Financial Services, LP for 10 years and CUNA Brokerage Services, Inc. for 10 years. 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 through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

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.

Michael Wright is a financial advisor with Merrill in Ontario, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has worked at Merrill since 2009 and has also been employed with Bank of America since 2004. He serves as a successor trustee for a family living trust outside of his advisory role. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Stephen Fillet is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at U.S. Bank, MUFG Union Bank, and Jesteda Partners. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Zeiry Barillas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining Wells Fargo Advisors in 2017, Zeiry worked at Bank of America, N.A. from 2015 to 2017. Outside of financial advising, Zeiry serves as treasurer for Orangevale Huskies Youth Athletic in Roseville, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services based on an IPS-driven process grounded in modern portfolio theory. The firm’s investment menus include insurance-related vehicles and bank deposit sweep options, reflecting a broader range of financial products than typical among large institutional advisers.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

Luis Villa Rojas is a financial advisor at Primerica Advisors with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2023. Outside of financial advising, he is involved with Professional Auto Transport. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Jose Triana is a financial advisor with Merrill based in Riverside, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he is also engaged in driving passengers and delivering food as part of a separate business activity. 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 investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

AJ Jimenez is the Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he supports and coaches associates to ensure clients receive a great experience when visiting the office. Prior to this, AJ held several positions within Fidelity Investments, including Financial Consultant (2024-2025), Planning Consultant (2023-2024), Relationship Manager (2022-2023), and Financial Representative (2021-2022). AJ holds a California Insurance License, which supports his work in the financial services industry. Outside of his professional responsibilities, AJ has interests in baseball, camping, concerts, golf, and music.