Venetta Reyes is a financial advisor with Merrill in Indian Wells, CA, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. She previously worked at UBS Financial Services for 25 years and Morgan Stanley for two years before joining Merrill in 2021. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 financial advisor with Merrill, holding a Series 66 credential and 19 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2013. Outside of his advisory role, Tanner serves on the advisory board of the Family YMCA of the Desert and is involved in a nonprofit sports organization supporting youth athletics, where he also coaches a travel football team. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes integrated investment management solutions, manager selection, and tax-efficient strategies, supported by its affiliation with Bank of America and a broad capital markets platform.

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 credentials and 21 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, leveraging portfolios developed by LPL’s Research Department and third-party strategists, with additional offerings in affiliated trust custody services and insurance product facilitation.

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 at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including City National Bank, RBC Capital Markets, Merrill, Banc of America Investment Services, and Wells Fargo Investments. Outside of financial advising, he is co-owner and vice president of The Cheese Shop on El Paseo in Palm Desert, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

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 financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Advisors. Outside of her advisory role, she serves as an ambassador for GoldenVoice at the Coachella music festival and works as an accounting consultant for Desert Christian Community Church. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, which includes written recommendation reports and ongoing advice based on research and algorithmic tools.

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 at Equitable Advisors with 22 years of industry experience. She holds the Series 66 designation and has worked at Equitable Advisors since 2006, following roles at Axa Advisors and TD Ameritrade. She serves as a FINRA arbitrator as an independent contractor. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers its services through a network of Investment Adviser Representatives and primarily utilizes third-party asset managers and advisory 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.