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.

David Jager is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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.

Howard Rubin is a CFP® with 16 years of industry experience and is currently affiliated with Cetera. His career includes roles at Mass Mutual Investors Services and OneAmerica Securities, along with ownership of Transitions Financial Planning and involvement in integrated insurance, tax, and legal strategy services. Outside of financial advising, Rubin performs as a magician and offers life coaching focused on major life transitions. He also provides pro bono financial education to widows. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

D Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Miller focuses on creating personalized wealth management strategies that align with clients' individual financial goals. By leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America, Miller aims to develop flexible strategies that respond to changing market conditions. Miller holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Slippery Rock University. Committed to community involvement, Miller participates in volunteer activities through local organizations, reflecting the Merrill tradition of service in the communities served.

Raquel Reynolds is a financial advisor with Wells Fargo Advisors in Palm Desert, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Bank of America and Merrill. Reynolds is also a 30% owner of Valera Reynolds Wealth Management in Palm Desert. Wells Fargo Advisors serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm integrates advisory services with other financial product offerings and provides discrete planning engagements using proprietary research and tools.

Robert Bjekich is a financial advisor with Ameriprise in Palm Desert, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in independent insurance brokering. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, emphasizing assets held in Ameriprise-managed accounts and using algorithmic automation alongside advisory oversight.

Courtney Hershberger is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 25 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, she worked at RBC Capital Markets for 12 years. Morgan Stanley Wealth Management serves both individual and institutional clients by providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Darren Gray is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in goals-based wealth planning, values-based investing including impact investing and Environmental, Social and Governance (ESG) criteria, retirement planning and income strategies, trust and estate planning services, and customized lending solutions through Bank of America. Darren focuses on serving independent women and sustainability-minded, impact investors. With professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA), Darren combines his expertise to help clients create personalized plans aligned with their life priorities. He has experience working as a Professional Management Development Coordinator at Merrill and leads the client-focused RGR Wealth Management Group team. Darren holds a Bachelor's Degree from the University of Washington and a Master's Degree from the University of Chicago Booth School of Business. He is actively involved with community organizations such as Alaska Wilderness League, Summer Search, and YouthCare, and participates in professional and alumni associations including the Cascade Bicycle Club, College Club Seattle, USTA, and various university alumni associations. His personal interests include biking, cooking, hiking, running, soccer, swimming, tennis, traveling, and yoga.

Daniel Ramirez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. He has worked at Merrill and Bank of America, N.A. before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations to serve its clients.

Samir Sleiman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Sleiman is involved in several real estate investment and management activities, including ownership and supervision roles in multiple LLCs. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Sherman Steen is a financial advisor with Thrivent Investment Management in Palm Springs, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior experience includes roles with RBC Capital Markets, Ameriprise Financial Services, and previous positions at Thrivent. Outside of finance, he works as a dog and house sitter. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across a broad range of topics, with an option to combine planning and managed-account services under a consolidated billing system called “WealthPlan.”

Rodney Halvorson is a financial advisor with Morgan Stanley in Palm Desert, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services.