Joseph Caira is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and with 21 years of industry experience. He has been with Mass Mutual Financial and MML Investors Services since 2004. Outside of his advisory work, he owns and operates a baseball training facility for children. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-oriented planning engagements.

Feiruz Ennabe Ayoub is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 10 years of industry experience. She has been with Primerica Financial Services and Primerica Advisors since 2015. Outside of advising, she has been involved with 2000 C-Store, Inc. since 1989. 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 clients. The firm employs model-delivery strategies and offers discretionary portfolio management through a network of advisors supporting approximately $15.5 billion in assets under management.

Sunny Kaura is a financial advisor at Primerica Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at PFS Investments Inc. since 2011, and Primerica Financial Services since 2000. He is also involved with the Corona-Norco Unified School District. Outside of advisory services, he receives compensation for referrals related to mortgage products and home security services through affiliated companies. 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 account options under a wrap-fee structure. The firm curates third-party asset managers and utilizes BNY Mellon Advisors for model implementation and trade execution.

Stephen Miller is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at LPL Financial since 2022 and concurrently serves Schools First Federal Credit Union and Cuna Brokerage Services, Inc. since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with various model portfolios and third-party research.

Neal Waner is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial since 2017. His prior experience includes 14 years at National Planning Corporation and 26 years at Stout & Waner. He serves as Chair of the San Bernardino County Employees' Retirement Association Board and is running for public office on the San Bernardino County School Board in 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, institutions, retirement plans, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by proprietary and third-party research.

Carly Lambeth is a financial advisor with LPL Financial, holding a Series 66 designation. She has been in the industry since 2025 and has prior experience working at Thrivent Financial and Retirement Wealth Group Inc. Before entering the financial sector, she spent two years involved with Ponte Winery and Family Estates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research and technology-driven investment strategies.

Sam Yue is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2006. Outside his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively offered separately managed accounts. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, operating with a tiered wrap-fee structure and maintaining discretion over model selection and management.

Martin Corona is a financial advisor with Primerica Advisors based in San Bernardino, CA, holding Series 63 and Series 65 licenses. He has 14 years of industry experience and has been associated with Primerica Financial Services and PFS Investments Inc. since 2009 and 2012, respectively. Outside of advising, he is involved in selling loan products, home security and automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies created by unaffiliated managers and supports accounts with custodians such as BNY Mellon Advisors and Pershing.

Oscar Aceituno is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has worked with PFS Investments, Inc. since 2009 and with Primerica Financial Services since 2007. In addition to his advisory role, he receives non-investment compensation related to home security, automation products, and loan referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven investment strategies supported by third-party managers and emphasizes advisory services delivered through a large network of financial advisors.

Edgar Gonzalez is a financial advisor at LPL Financial with three years of industry experience and holds the Series 66 designation. His prior experience includes roles at Maupin Financial Advisors and XPO Logistics. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and diversified investment strategies.

Kenneth Hughes is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1985. Outside of advisory work, he serves as president and partner of K M Hughes Inc., a legal entity established for Primerica business purposes, and is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model based on tiered wrap fees.

Artemio Garza is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors, combining large institutional advisory operations with brokerage and investment management capabilities.

Caralynn Stein is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 2004. Outside of finance, she is a co-owner of a paintball supply store. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools.

Juan Campos is a Financial Advisor at Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® certification. He has been working in the financial services industry since 2008, focusing on helping individuals and families understand their financial situations and make informed decisions. Juan works closely with clients to clarify their goals and create personalized financial plans that can adapt as their lives and needs evolve. His expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, and tax minimization. Juan's approach involves breaking down complex financial topics into clear, practical guidance to support client confidence. Juan holds a Bachelor's Degree from California State Polytechnic University. He is based in Southern California and speaks both English and Spanish. Outside of his professional work, Juan enjoys activities including baseball, boxing, dancing, hiking, horseback riding, reading, spending time with family, and traveling.

John Vail is an advisor at Primerica Advisors with Series 63 and Series 65 credentials and three years of industry experience. He has worked at Primerica Advisors since 2022 and previously served for 20 years with the Colton Fire Department. Outside of his advisory role, he owns Pop's Leather Works LLC, a custom leather goods manufacturing business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Nancy Dorado Corrales is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and bringing six years of industry experience. She has worked with Primerica Advisors since 2016, with additional roles at firms including Nevtis Communications and PFS Investments Inc. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a large institutional firm serving primarily individual investors, including non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program featuring model-delivery strategies managed by unaffiliated asset managers, with trade execution and custody supported by BNY Mellon Advisors and Pershing.

Salomon Gonzalez is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in personalized financial strategies that guide clients toward their goals through investment advice, risk management, and wealth preservation. With a focus on understanding clients' individual needs, Salomon offers tailored solutions in areas such as liquidity management, managing new wealth, personal retirement planning, and small business strategies. Salomon brings a decade of banking experience from the Orange County Inland Empire Market, having held roles from Client Service Representative to Relationship Manager. He joined Merrill as a Senior Relationship Manager through The Academy licensing pathway and has earned the Chartered Retirement Planning Counselor (CRPC™), Accredited Wealth Management Advisor (AWMA™), and Personal Investment Advisor (PIA) designations. In August 2022, he transitioned into an advisory role to further develop his practice. Salomon is active in the Hispanic community, serving in leadership roles with the Inland Empire Hispanic Organization of Leadership and Advancement (HOLA) and the Inland Empire Hispanic Business Council (HLBC), and participates in mentoring programs and volunteer events. He holds an Accredited Certificate from the College for Financial Planning, an Associate's Degree from Mt San Antonio College, and a high school diploma from Garey High School. Salomon is bilingual in English and Spanish and resides in Redlands, California with his spouse and two children. His personal interests include soccer, tennis, golf, coin collecting, playing guitar, antiquing, chess, music, and spending time with his family.

Dylan Edwards is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. He holds a Series 66 designation and has worked with Cambridge Investment Research and as a self-employed advisor since 2019. Outside of his advisory role, he is involved as an independent insurance agent with Presidio Life LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms and incorporates both proprietary and third-party strategies.

Diep Le is a CFP® credentialed financial advisor with 20 years of industry experience, currently with Morgan Stanley in Riverside, CA. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to that, he was with National Planning Corporation from 2015 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Andrew Lee is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2015. Outside of his advisory role, he is involved in a small-scale commerce activity focused on buying and reselling items. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.