Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

Jose Triana is a financial advisor with Merrill based in Riverside, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he is also engaged in driving passengers and delivering food as part of a separate business activity. 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 offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving business owners and professionals, helping them navigate complex financial challenges to balance their professional and personal goals. With over 17 years of experience in the financial services industry, Michael provides tailored wealth management strategies utilizing Merrill Lynch's investment insights and Bank of America's banking solutions. As a Senior Portfolio Advisor, he manages discretionary custom investment strategies and selects from a wide range of model portfolios and third-party investment options to meet his clients' objectives. Michael holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. He completed his high school education at Jurupa Valley High School and attended Riverside Community College without completing a degree. Fluent in English and Spanish, he actively participates in professional organizations such as the Jurupa Valley Chamber of Commerce, Knights of Columbus Council 4793, Riverside Chamber of Commerce, and Southern California Youth Rugby. Outside of his professional pursuits, Michael is involved in community activities including the Susan G. Komen 3-Day For The Cure. He lives in Riverside, California with his wife Rachel and their two children, Ryane and Michael. His personal interests include fishing, golfing, woodworking, baseball, boating, camping, football, gardening, and hunting.

Yen Chen is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. Chen has been with both Merrill and Bank of America, N.A. since 2016. 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 plans, corporations, and charitable organizations.

Pedro Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marquise Bias is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2020, following prior experience at Wells Fargo Bank, N.A. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Albert Barcia is a financial advisor at Wells Fargo Clearing in Ontario, CA, with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he owns and operates Executive Fitness, a business providing exercise equipment rental and personal training services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Scott Foties is a financial advisor with LPL Financial in Corona, CA, holding CFP® and Series 66 credentials and 15 years of industry experience. His prior roles include positions at Bank of America and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Angelito Eusebio is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors since 1995 and with Primerica Financial Services since 1994. Outside of his advisory role, he is a partner and tax preparer at Ace Tax Services, a business he operates with his daughter. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, operating under a tiered wrap-fee structure.

Cassia Stefanini is a financial advisor with Primerica Advisors in Chino, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for ten years and has been with Primerica since 2019. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading and overlay responsibilities to BNY Mellon Advisors.

Christopher Tavares is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2025 and previously held positions at Securities America Advisors, Securities America, Inc., LPL Financial, and OSAIC. Outside of his advisory work, he is involved in mortgage lending and insurance sales, including fixed insurance products and fixed life insurance and annuities. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Eric Esparza is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has been in the industry since 2026, previously working at Wells Fargo Clearing and Wells Fargo Bank. His background includes roles outside finance, such as positions at the Riverside County District Attorney's Office and Petco Health and Wellness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Margaret Sturdy is a financial advisor with LPL Financial in Anaheim, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER) since 2001. In addition to her advisory work, she occasionally sells health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Moises Macias Jr. is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and HomeStreet Bank. Outside of his advisory role, he is a baseball coach at Ayala High School in the Chino Valley Unified School District. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and various investment management options.

Laura Schroeder is a Series 66-licensed financial advisor with Edward Jones, working in Yorba Linda, CA. She has 18 years of industry experience, all with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary wrap fee solutions and separately managed accounts. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Kevin Cheng is a financial advisor with Wells Fargo Clearing in Chino Hills, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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.

Edwin Ramirez is a financial advisor with Merrill who holds Series 63 and Series 66 credentials and has 17 years of industry experience. His career includes roles at Washington Mutual, J.P. Morgan Securities, and Bank of America. 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 a range of clients, including individuals, high-net-worth clients, and charitable organizations.

Tayra Martinez is a Financial Advisor with Merrill Lynch Wealth Management, bringing over nine years of experience in the finance industry. She integrates her background as a former small business owner to address the unique challenges individuals and families face in managing their finances. Born in Mexico and raised in the United States, Tayra values planning and perseverance, which informs her approach to financial advising. Her expertise encompasses family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Tayra holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned her High School Diploma from Rancho Santa Rosa High School and completed the Accredited Certificate Program from the College for Financial Planning. She is also fluent in Spanish and English. Beyond her professional life, Tayra is a mother of two and married to her high school sweetheart. Her personal interests include baseball, cooking, dancing, golfing, interior decorating, music, pickleball, spending time with her family, and traveling. Tayra participates in professional organizations such as the Hispanic/Latino Organization for Leadership and Advancement and the Inland Empire Economic Partnership Regional Leadership Academy.