Marites Velena is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her prior roles include positions at World Financial Group, Transamerica Financial Advisors, and Gladstone Wealth Partners. Velena also works as a charge nurse at Keck Medical Center of USC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, and institutions nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

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.

Jamie Wemhoff is a financial advisor at Mass Mutual Investors Services with four years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Mass Mutual Investors Services, he worked at NYLIFE Securities LLC and New York Life Insurance Company, and spent 14 years at Cox Automotive Corporate Service. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using collaborative, annual planning relationships supported by firm-approved analytical tools.

Lucero Palomino is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. She has worked at Merrill since 2016 and previously at Bank of America, N.A. since 2025. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Steven Caron is a Series 66-registered financial advisor with Edward Jones in Corona, CA, bringing 16 years of industry experience. He has been with Edward Jones since 2016 and is also associated with the Mile High Institute since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

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.

Ruben Rodriguez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2009. In addition to his advisory role, he is involved in the sale of loan products and home security services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Christopher Macarthur is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Primerica since 1990 and has prior experience with the City of Riverside and The Gage Canal Company. Outside of his advisory role, he manages a 25-acre orange orchard. 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. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing exclusively on individual investors rather than institutional or pension plans.

Carlos Rosales Vasquez is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member and secretary for El Nido Family Centers, treasurer and finance committee leader at LA Plaza de Cultura y Artes, and president of the Palomares Walk HOA. He also owns Anteater Home Solutions and participates as a board member of NAHREP LA San Gabriel. 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, and institutional investors.

Todd Dreyer is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 37 years of industry experience. He previously worked at Tax and Financial Group, Securian Financial Services Inc., and Minnesota Life. Outside of his advisory role, he is the owner of a real estate rental business in Riverside, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Nicole Fernish is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has been with Fidelity Investments since 2012, progressing through roles including Financial Representative and Investment Consultant. Prior to joining Fidelity, she was a Registered Representative at Charles Schwab from 2011 to 2012. Nicole emphasizes building trusting relationships with her clients by creating and implementing financial goals and providing education in financial planning. She holds a California Insurance License, supporting her ability to serve clients in various aspects of their financial needs.

Blandine Miramontes is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2022. Outside of finance, she is co-owner of San Diego Commercial and Residential Cleaning, Inc., a janitorial services business. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven strategies developed by unaffiliated asset managers.

Richard Lopez Jr. is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has worked at Bank of America, N.A. since 2024 and has prior experience at California State University, San Bernardino and San Bernardino Valley College. 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 strategies for individuals, high-net-worth clients, and various institutions.

Michael Zeller is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. He is a co-founder of the Chad Zeller Memorial Fund, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm selects and oversees third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Christian Hernandez Jacobo is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., accumulating six years in the financial sector. His background also includes roles outside finance, such as at Riverside Imports, LLC, and T-Mobile. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Rita Pichardo is a Series 66-licensed financial advisor with Merrill in Riverside, CA, with eight years of industry experience. She has worked at Merrill and Bank of America since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has worked at LPL Financial since 2018 and has been with INVEST Financial Corp since 2009. Outside of his advisory roles, he is also an agent for Life Brokerage Financial Group, focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Alfred De La O is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of advisory duties, he is involved in sales of loan products and home security services through affiliated companies and operates De La O Associates, Inc. for Primerica business purposes. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.