Ismael Rojo is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at SBCUSD, Walmart, and AT&T. Outside of advising, he is involved with Thrive Academics, an educational organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts primarily to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

David Floyd is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 32 years of industry experience. His career includes more than three decades with Primerica Financial Services and roles with the County of San Bernardino. Outside of his advisory work, he serves as an executor of an estate and is involved in referral activities for home security and related services. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties.

Seema Sethi is a financial advisor with LPL Financial in Riverside, CA, holding a Series 66 credential and 24 years of industry experience. She previously worked at Ameriprise for five years before joining Linsco/Private Ledger Corp. in 2007. Her business activities include presenting and selling non-variable insurance products such as term life insurance and fixed annuities. 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 range of advisory and brokerage services with access to model portfolios, third-party asset management, and institutional platforms.

Randall Hord is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Raymond James Financial since 2009 and previously at UBS Financial Services from 1997 to 2003. Hord serves as a board member of Riverside Community Hospital and is a partner in several local business ventures, including ownership of an office building. 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 supports both individual and institutional needs through advanced modeling tools and specialized programs.

Deborah Ames is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been with Primerica Advisors since 2014 and Primerica Financial Services since 2013. Outside of advisory services, she is involved in the sale of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and separately managed account options to individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Stephanie Rauda is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and four years of industry experience. Her work history includes roles at JPMorgan Chase Bank, Bank of America, and Primerica Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting.

Larry Hoatson is a financial advisor with OSAIC based in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Signator Investors, Inc. and serves as president of Pacific Wealth Strategists, Inc., where he also provides financial advice. Larry is also an independent insurance agent, soliciting and servicing fixed insurance contracts. OSAIC serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Idabel Burgos is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Chase Securities LLC and JPMC Bank NA since 2018, following two years at the State Farm Melissa Milender Agency. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Spencer Macdougall is a CFP® certificant with 18 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at H & R Block and Avantax, among others. Outside of his advisory work, he is involved in tax preparation and bookkeeping through Leivas & Associates and H & R Block. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, as well as institutional accounts. The firm offers a multi-manager platform with access to affiliated and unaffiliated portfolio managers, employing a variety of program structures and strategies.

Dennis Egizi is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial services. He is committed to helping clients build, manage, and preserve their wealth through personalized wealth management advice. Dennis focuses on understanding each client's unique situation to establish objectives and develop tailored strategies, with an emphasis on education planning, retirement income, portfolio management, and small business strategies. Dennis began his career as a financial advisor in 1998, spending nine years with Morgan Stanley & Co. before joining Merrill Lynch in 2007. He holds several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Dennis earned his bachelor's degree from California State University San Bernardino after graduating from Notre Dame High School. Outside of his professional work, Dennis enjoys golfing, tennis, biking, camping trips with his family, and spending time with them. He lives with his wife, Danika, and their children, Dane, Daphne, and Darla, in Riverside, California.

Luminita Mora is a financial advisor with Cetera, holding two years of industry experience. She previously worked for Dennis G Phillips & Associates Inc for 17 years and currently serves as CEO of that firm, where she is involved in tax preparation and supervision. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, with a reported $256 billion in assets under management and over 10,000 advisors nationwide.

Pablo Martinez is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America, Merrill, and Wells Fargo Bank N.A. from 2015 to the present. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Shawntrice Watkins is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has been with Primerica Advisors since 2018 and has prior experience with M25:20 Media and Primerica Financial Services. Outside of advisory work, she is involved in referral activities related to home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and custodian services, operating on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Douglas Stephenson is a CFP® professional with 28 years of industry experience, currently with Cetera. He has held positions at Avantax and operates Stephenson Wealth Management LLC and Stephenson Accountancy Corp, where he provides accounting, tax preparation, and financial planning services. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and over $256 billion in assets under management.

Xavier Zamora is a financial advisor with Thrivent Investment Management in Moreno Valley, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at LPL Financial and Cetera. Outside of advisory work, he is involved with Blackstone Consulting Inc., a non-investment-related business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering holistic, goal-based analyses without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Ivan Castaneda Valle is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Anheuser-Busch Inc. Outside of his advisory role, he owns and operates Apex Vision Photography, LLC, a sports photography business focused on soccer tournaments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Carlos Almazan is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes seven years with CUNA Brokerage Services, INC and ongoing work with SchoolsFirst Federal Credit Union since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of services including financial planning, third-party asset management programs, and institutional platforms, combining advisory and non-advisory financial activities across multiple sectors.

Joel Perez Ramirez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has been with Primerica Advisors since 2013 and also works with Primerica Financial Services since 2012. Outside of advisory roles, he receives compensation for part-time referrals of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors and also serves corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering model-based investment strategies alongside discretionary separately managed accounts.

Emmanuel Reynoso is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with PFS Investments Inc. since 2013 and Primerica Financial Services since 2011. Outside of advisory services, he serves as Owner and CEO of Emajen, Inc., a legal entity formed for Primerica business purposes. 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 scale with approximately 3,700 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model portfolio strategies developed by unaffiliated asset managers.

Phillip Levy is a Series 66–licensed financial advisor with 19 years of industry experience. He is currently with J.P. Morgan Securities in San Bernardino, CA, where he has worked since 2014, previously holding positions at Wells Fargo Clearing and Wells Fargo Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.