Joel Perez Ramirez is a financial advisor at Primerica Advisors with 13 years of industry experience. He holds Series 65 and Series 63 credentials and has been with Primerica Advisors since 2013. Outside of advisory work, he is involved in selling loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies managed by third-party asset managers and supports trade execution through Pershing, focusing primarily on individual investors rather than institutional clients.

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 financial advisor with J.P. Morgan Securities in San Bernardino, CA, holding a Series 66 designation and 18 years of industry experience. He has worked at various J.P. Morgan entities since 2014, including JPMorgan Chase Bank, N.A. since 2020. 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 multiple market-facing registrations and investment management capabilities.

Sherri Anderson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Merrill in 2019, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, as well as Wells Fargo Bank, N.A. She serves as a board member of the Inland Empire Economic Partnership, an organization that brings together business, government, and community leaders in the Inland Empire region. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional entities.

Carolyn Matson is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 designations and 15 years of industry experience. She has worked at LPL Financial since 2017 and previously at National Planning Corporation. Matson serves as a Member at Large for the Steven G. Mihaylo Big Bear High School Education Foundation and is co-owner of Matson Development Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

Richard Mast is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with PFS Investments Inc. since 2005 and Primerica Financial Services since 2003. Outside of his advisory roles, he is involved with R&R Property Maintenance and receives compensation for referrals related to home security and automation products through Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers, employs BNY Mellon Advisors for model implementation, and uses a tiered wrap-fee structure for its services.

David Altman is a financial advisor at Stifel with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co since 2016. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses that inform client decisions.

Shawn Price is a financial advisor with Edward Jones in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Alex Salas is an Investment Consultant currently with Fidelity Investments. In this role, Alex helps individuals and families develop personalized financial plans and investment strategies aimed at achieving their financial goals. Alex's professional experience includes serving as a Financial Representative at Fidelity Investments from 2022 to 2023, and as a Jr. Financial Advisor at One Pacific Securities from 2021 to 2022. Alex holds a California Insurance License. Outside of work, Alex enjoys running and snowboarding.

Robert Mendez Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Raymond James since 2009 and served as a California Republican Delegate from 2015 to 2017. Additionally, he is President and CEO of RLM Wealth Group, a support company based in Riverside, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary, tailored advice and supports municipal and public finance work through a unique municipal advisor affiliation.

Fay Koh is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has been with Primerica Advisors since 2015 and is also affiliated with Bestow Inc. and New York University. Her activities include sales of investment-related products and referrals for home security and automation products through Primerica affiliates. 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 utilizes model-based investment strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

John Barnes is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with LPL Financial since 2017. Barnes also has a longstanding role at AT Center Inc. since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dashan Hayhurst is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kay Bonadie is a Financial Consultant currently working at Fidelity Investments since 2019. Prior to this, Kay was a Financial Advisor at Morgan Stanley from 2015 to 2019. Kay is licensed with the California Insurance License. In her role, she focuses on building trust with clients to define their financial objectives, explore alternatives, and help choose strategies that align with their plans.

Matthew Smith is a financial advisor with Edward Jones in Yucaipa, CA, holding a Series 66 designation and one year of industry experience. Before joining Edward Jones, he worked in real estate with Realty Masters & Associates and Keller Williams Realty. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

William Gray III is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has been with LPL Financial since 2003. Gray also provides notary services exclusively for clients without charging fees. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research and model portfolios.

Chun Ng is a financial advisor at Merrill with Series 63 and Series 66 designations and two years of industry experience. His prior work includes positions at Bank of America, N.A., and East West Bank. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Catherine Hollifield is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Anthony Phillips is a financial advisor with LPL Financial in Calimesa, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved in selling fixed insurance products through a related business, Tri-Focus Wealth Management Group, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

Jonathan Casaus is a financial advisor at Edward Jones in Redlands, CA, holding a Series 66 designation. He joined Edward Jones in 2026 and has prior experience at Family Tree Realty & Investments Inc, Sherfab Unlimited Inc, and Provident Savings Bank. 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 with a large nationwide network of financial advisors and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.