Lucas Vance Hills is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 licenses. Hills has been affiliated with Fidelity Investments and its related entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its role in managing model portfolios, its registration as a commodity pool operator, and its advisory services to multiple registered investment companies.

Jarred Palmquist is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2019 and previously worked at ACME 202 State Street LLC and Catalan Mediterranean Restaurant. Merrill, along 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marshall Rankowitz is a financial advisor with Wells Fargo Clearing in Palm Desert, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 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 solutions. The firm’s advisory process is IPS-driven and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Kimberly Quinonez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2010 and has also worked at Bank of America, N.A. since 2023. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Legan is a financial advisor at RBC Capital Markets with 32 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies utilizing both in-house and third-party investment managers.

Lauren Xouleis is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has previously worked at First Republic Securities Company, LLC and Asset Retention Insurance Services, Inc. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ernesto Arcos is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His work history includes roles at T-Mobile USA Inc and PFS Investments Inc, alongside a long tenure at Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Nanette Conradi is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2013. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Bianca Trujillo is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2021. Prior to her current role, she held positions at Agua Caliente Casino Palm Springs and Berkshire Hathaway HomeServices. Outside of financial advising, she is involved in real estate development and construction management as a business owner. Charles Schwab 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated platform with centralized custody and operational capabilities.

Mireille Awadalla is a financial advisor at Merrill in Rancho Mirage, CA, holding a Series 66 designation with one year of industry experience. Her prior experience includes roles at Bank of America, U.S. Bank, and Commercial International Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Terri Dicius is a financial advisor with LPL Financial and TriSummit Investment Advisors, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. She has been with LPL Financial and TriSummit since 2002 and previously worked at RBC Capital Markets. Outside of her advisory roles, she is involved in a lifestyle consulting company that produces articles, seminars, books, and educational materials. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gretchen Helsel Drumm is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Before joining Merrill, she held roles at Bank of America and has part-time experience as a food and beverage server with Tommy Bahama R & R Holdings. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

James Bruner is a financial advisor with UBS Financial Services in Indian Wells, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with UBS since 2007. Bruner serves on the board of directors for the Riverside International Automotive Museum. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Dean Mayo is a financial advisor at LPL Enterprise with 24 years of industry experience and holds the Series 66 designation. His prior roles include positions at Dickerson, the California Health Benefit Exchange, Prudential Insurance Company of America, and Pruco Securities, LLC. Outside of his advisory work, Mayo is also a PGA professional coach and an artist and musician through his business Foretography. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities. The firm’s investment approach is model-driven, offering access to third-party asset managers and wrap programs, and it also facilitates insurance product sales and affiliated trust services.

Seth Rapkin is a financial advisor with Morgan Stanley in La Quinta, CA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a committee member on the Washington Technology Industry Association board. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Benjamin Papinaw is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he holds a 2% ownership interest in Willow Ridge Golf Course, a golf course and restaurant in Fort Gratiot, Michigan. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Warren Overman is a financial advisor with UBS Financial Services in Rancho Mirage, CA, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has been with UBS Financial Services since 1998. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work supported by proprietary research and model-based asset allocations.

Michael Donohue is a CFP® professional with 39 years of experience in the financial industry. He is currently affiliated with LPL Financial and leads DB Wealth Management Group, LLC, his independent advisory business. Donohue has been with LPL Financial since 1992 and has managed DB Wealth Management Group since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, supported by a large network of investment adviser representatives.

James Mc Caughey is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade Investment Management, and Scottrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, using multi-asset model portfolios and a formal alternative-investment process within an integrated operational structure.

Shannon Miller is a financial advisor with LPL Financial in Indio, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 2006. Outside of her advisory work, she serves as a Canine Good Citizen (CGC) Testing Evaluator for the American Kennel Club. 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 offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.