Ryan Wilson is a financial advisor with Morgan Stanley in Palm Desert, CA, holding Series 63 and Series 66 licenses and having 24 years of industry experience. His prior roles include positions at CITY NATIONAL BANK and RBC Capital Markets. Outside of advising, he is involved with the Boys and Girls Club of the Coachella Valley as an organizing committee member for their golf tournament and is a partner in Texacali Catering LLC. Morgan Stanley Wealth Management provides a wide range of advisory services to individual and institutional clients, using structured financial planning tools and offering access to diverse investment programs. The firm manages approximately $2.74 trillion in client assets and delivers tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Tanner is a Wealth Management Advisor serving as a Senior Vice President at Merrill Lynch Wealth Management in Indian Wells, California. He began his financial advisory career in 2006 following his graduation from the University of California at Santa Barbara. Robert holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA). His areas of focus include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Robert’s expertise encompasses wealth planning, retirement readiness, business development, and client relationship management. He is knowledgeable in economic affairs and is an avid reader. Originally from Palm Desert, California, Robert lives in the area with his wife Jessica and their two children. Outside of his professional commitments, he spends time coaching his children’s sports and enjoys outdoor activities. He serves on the Board of Directors of the Family YMCA of the Desert.

Michael Borders is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. Borders is based in Palm Springs, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm offers these services on a non-discretionary basis, incorporating an ESG eligibility framework in its investment recommendations.

Harmony Bozes Sherlock is a financial advisor at Stifel with 9 years of industry experience and holds the Series 66 designation. She has been with Stifel Nicolaus & Co., Inc. since 2010, totaling 16 years at the firm. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services. Its investment guidance is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking assumptions and modeling to inform asset allocation and planning analyses.

Young Chung is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. He has worked at both City National Bank and RBC Capital Markets since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

John Polovick is a financial advisor with J.P. Morgan Securities in La Quinta, CA, holding a Series 63 designation and 35 years of industry experience. He has been with JPMorgan Securities, LLC and JP Morgan Chase Bank, N.A. since 2012. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Erica Espinola is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. She previously worked at Bank of America, N.A. for 11 years before joining Wells Fargo in 2022. 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 both brokerage and advisory solutions.

David Schrager is a financial advisor with Morgan Stanley in Palm Desert, CA, holding Series 63 and 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, Schrager owns and instructs at a skydiving school, teaching both civilian and military personnel on weekends. Morgan Stanley Wealth Management serves individual and institutional clients, providing a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Richard Mckinley is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment and insurance products through an integrated platform that combines adviser programs with brokerage and insurance sales.

Melvin Walters Jr. is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Securities America Advisors, Inc. and Kms Financial Services, Inc. Walters is also the owner of Mel Walters Investments & Insurance, where he provides life and disability insurance services alongside comprehensive financial planning. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, investment advisory services, and access to third-party money managers through a large network of affiliated advisors.

Todd Richardson is a CFP® with 36 years of industry experience, currently with Stifel Nicolaus & Co Inc, where he has worked since 2009. He is based in Palm Desert, CA. Outside of his financial advisory work, Richardson is a professional musician performing at private events and public venues. Stifel serves a diverse client base, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary methodologies developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Bryce Dalrymple is a Series 66-registered financial advisor with Morgan Stanley, based in Palm Desert, CA, and has five years of industry experience. He previously worked at NYLIFE Securities LLC and New York Life Insurance Co., and has teaching experience at the University of Redlands and Crafton Hills College. Outside of finance, he worked at Oak Valley Golf Course for six years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Robert Iglehart is a financial advisor with LPL Financial in Palm Desert, CA, holding Series 63 and Series 65 credentials and 34 years of industry experience. Prior to joining LPL Financial in 2020, he worked at City National Bank and RBC Capital Markets. Outside of his advisory role, he is a co-owner and vice president of The Cheese Shop on El Paseo. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services. The firm provides discretionary and non-discretionary management supported by research and model portfolios, as well as additional services such as overlay portfolio management and direct indexing.

Jessica Camacho is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014 and previously worked at Caliber Marketing Group, Inc. and Urban Edge Promotions, Inc. Camacho serves as a board member for Seiden-Juku, a nonprofit focused on martial arts education for adults and children with special needs, where she helps organize events. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios, due diligence on alternative investments, and integrated custody and brokerage services.

Aprile Poag is a Series 66 licensed financial advisor with Ameriprise in Indio, CA, with eight years of industry experience. She has worked at Ameriprise and AMERIPRISE FINANCIAL SERVICES, Inc. since 2014. Outside of her advisory role, she serves as an accounting consultant for Desert Christian Community Church and works as an ambassador with GoldenVoice for music festivals, including the Coachella Music Festival. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which includes written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Aran Kirschenmann is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Rud Pedersen Group and Pray.com. Outside of his advisory role, he tutors students online in SAT and essay writing on a freelance basis. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Ruairi Clerkin is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing wealth strategies and financial services since 2006. He works with a diverse client base, helping individuals and families address their immediate priorities while pursuing their long-term financial goals. Ruairi brings a global perspective to his role, having been raised in London and originally from Ireland before relocating to the United States in 2003. His background as a small-business owner informs his approach to client relationships. With expertise in portfolio management, Ruairi focuses on diversified, cost-efficient, and balanced investing. He provides clear and concise advice across a range of financial issues and enjoys building strong relationships with clients and their extended families. He often serves as a liaison to the Palm Desert community. His client focus areas include college education planning, personal retirement planning, philanthropic planning, and tax minimization. As a qualified Portfolio Manager, Ruairi manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment options. Ruairi earned a Bachelor of Science degree from the University of Surrey in London. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of work, Ruairi lives in Palm Desert with his wife and two sons and has personal interests in hiking, running, skiing, soccer, and tennis.

Kalliopi Vlahu is a financial advisor with Equitable Advisors in Palm Desert, CA, holding a Series 66 designation and 22 years of industry experience. She has been with Equitable Advisors since 2006 and previously worked at Axa Advisors, LLC from 2006 to 2020. Vlahu also serves as an independent FINRA arbitrator. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, emphasizing non-discretionary asset management and participation in LPL-sponsored programs.

David Scott is a financial advisor with Charles Schwab in Indian Wells, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. 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 and discretionary investment options, utilizing multi-asset model portfolios and centralized operational and supervisory structures.

Stephen Patterson Jr. is a financial advisor at Ameriprise with 36 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Raymond James Financial Services for eight years. He also served with the 101st Airborne Association in 2019. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.