Richard Higbee is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Trilogy Financial Services, LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Outside of his advisory role, he is involved with Providence Wealth Planning, an LLC focused on the sale of insurance products. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing techniques to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

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.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving business owners and professionals, helping them navigate complex financial challenges to balance their professional and personal goals. With over 17 years of experience in the financial services industry, Michael provides tailored wealth management strategies utilizing Merrill Lynch's investment insights and Bank of America's banking solutions. As a Senior Portfolio Advisor, he manages discretionary custom investment strategies and selects from a wide range of model portfolios and third-party investment options to meet his clients' objectives. Michael holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. He completed his high school education at Jurupa Valley High School and attended Riverside Community College without completing a degree. Fluent in English and Spanish, he actively participates in professional organizations such as the Jurupa Valley Chamber of Commerce, Knights of Columbus Council 4793, Riverside Chamber of Commerce, and Southern California Youth Rugby. Outside of his professional pursuits, Michael is involved in community activities including the Susan G. Komen 3-Day For The Cure. He lives in Riverside, California with his wife Rachel and their two children, Ryane and Michael. His personal interests include fishing, golfing, woodworking, baseball, boating, camping, football, gardening, and hunting.

Pedro Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach 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.

Anthony Espinoza is a financial advisor with Edward Jones in Yucaipa, CA, holding a Series 66 designation and having seven years of industry experience. He has been with Edward Jones since 2018 and previously worked for Fitness 19 for ten years. Espinoza is also involved as a mentor in the BNI Riverside and San Bernardino Counties organization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ernesto Fonseca is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities, LLC and J.P. Morgan Chase Bank, N.A. since 2013. 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.

Gregg Sherman is a Financial Consultant with Fidelity Investments, where he has been serving clients since 2020. He holds the Certified Financial Planner™ designation and focuses on financial planning principles to assist clients in growing and accumulating assets for retirement, as well as helping those already retired maintain their lifestyle throughout retirement. Before joining Fidelity Investments, Gregg worked as an Investment Consultant at Fidelity from 2019 to 2020. His prior experience includes roles as a Financial Advisor with U.S. Bancorp Investments, Inc. from 2013 to 2019, and with Wells Fargo Advisors, LLC from 2011 to 2013, as well as a Sales Associate with Wells Fargo Investments, LLC from 2008 to 2011. He holds a California Insurance License. Outside of his professional work, Gregg enjoys camping, comedy, cooking and baking, hiking, outdoor adventures, and traveling.

Kirk Shelby is a financial advisor at Stifel with 40 years of industry experience. He held a long tenure at UBS Financial Services from 1986 to 2023 before joining Stifel. Shelby holds a Series 63 designation and is involved in several local charitable organizations, serving on the boards and finance committees of the Redlands Community Hospital Foundation and Redlands Community Foundation, as well as the finance committee of Redlands Country Club. Stifel serves a broad range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, with clients maintaining discretion over implementation.

Angelito Eusebio is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors since 1995 and with Primerica Financial Services since 1994. Outside of his advisory role, he is a partner and tax preparer at Ace Tax Services, a business he operates with his daughter. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, operating under a tiered wrap-fee structure.

Christopher Tavares is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2025 and previously held positions at Securities America Advisors, Securities America, Inc., LPL Financial, and OSAIC. Outside of his advisory work, he is involved in mortgage lending and insurance sales, including fixed insurance products and fixed life insurance and annuities. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Eric Esparza is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has been in the industry since 2026, previously working at Wells Fargo Clearing and Wells Fargo Bank. His background includes roles outside finance, such as positions at the Riverside County District Attorney's Office and Petco Health and Wellness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Anna Anderson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. She previously worked at Royal Alliance Associates, INC. and John Hancock / SII. Anderson is also involved in youth outreach as a coordinator for a local church. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a network of affiliated advisors, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across various asset classes.

Richard Pelfrey is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Rancho Cucamonga, CA. He has 14 years of industry experience, including eight years at Bank of America and Merrill Lynch from 2012 to 2020, before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Edwin Ramirez is a financial advisor with Merrill who holds Series 63 and Series 66 credentials and has 17 years of industry experience. His career includes roles at Washington Mutual, J.P. Morgan Securities, and Bank of America. 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 for a range of clients, including individuals, high-net-worth clients, and charitable organizations.

Tayra Martinez is a Financial Advisor with Merrill Lynch Wealth Management, bringing over nine years of experience in the finance industry. She integrates her background as a former small business owner to address the unique challenges individuals and families face in managing their finances. Born in Mexico and raised in the United States, Tayra values planning and perseverance, which informs her approach to financial advising. Her expertise encompasses family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Tayra holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned her High School Diploma from Rancho Santa Rosa High School and completed the Accredited Certificate Program from the College for Financial Planning. She is also fluent in Spanish and English. Beyond her professional life, Tayra is a mother of two and married to her high school sweetheart. Her personal interests include baseball, cooking, dancing, golfing, interior decorating, music, pickleball, spending time with her family, and traveling. Tayra participates in professional organizations such as the Hispanic/Latino Organization for Leadership and Advancement and the Inland Empire Economic Partnership Regional Leadership Academy.

Michael Salazar is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2010. Outside of his advisory role, he serves on the Board of Adjustments for Secaucus, New Jersey, where he reviews and votes on variances related to the town’s aesthetics. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.