Derek Johnson is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the Riverside Chamber of Commerce Downtown Council and the Riverside Sport Hall of Fame executive board. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cole Green is a financial advisor with Morgan Stanley in Riverside, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at UBS Financial Services, Nylife Securities, and New York Life Insurance Co. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and an Estate Planning Strategies Group.

Ryan Vollkommer is a financial advisor at Stifel with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel since 2022. Prior to joining Stifel, he held positions at MWA Financial Services Inc, Modern Woodmen of America, Red Bull, and FACESS. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Joseph Dehni is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, J.P. Morgan Securities, and Fidelity Investments. Outside of his advisory work, he is a general partner and managing member of Brothers Associates LLC, a UPS Store franchise, and Detroit Pizza Company LLC, where he assists with advertising and promotion on a limited basis. 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 investors, pension plans, and charitable organizations.

Elizabeth Sandoval is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Paul Smith is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2010. 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 and services, including financial planning, retirement plan consulting, and model portfolio management supported by LPL Research and third-party subadvisors.

Lynette Atchley is a financial advisor at Cetera with 26 years of industry experience. She holds the CFP®, PFS™, and Series 66 credentials. Atchley is also CEO and managing director of CPA Financial Advisors, Inc., where she oversees a team preparing tax returns and handling accounting functions. Additionally, she serves as chairperson of a committee for the California CPA association focused on financial planners and holds board roles with The Holloway Group and Rebirth Homes Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, 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 various investment strategies and third-party managers.

Lawrence Ruiz is a financial advisor with Primerica Advisors in Altadena, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Primerica Advisors since 1999 and also serves at the California School of the Arts, San Gabriel Valley. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of portfolio models and manager selection.

Steven Antinucci is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2012. He is also a licensed California notary. 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 provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Paul Castro is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with Cetera and UnionBanc Investment Services. Outside of his advisory role, he is involved in insurance and tax preparation services through his businesses Pathway Life Wealth Management Insurance Solutions and Pathway Wealth Tax and Accounting Services. LPL Financial serves a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of advisory programs and brokerage services supported by model portfolios, research, and technology-driven investment strategies.

Kimberly Pendleton is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. Her background includes roles in education with several school districts and ongoing work with PFS Investments Inc. Additionally, she contributes as an advertising assistant for Manhattan Fashion Magazine. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Dennis Hoff is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 1995. In addition to his advisory role, he operates a non-variable insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Maria Bermejo Gutierrez is a financial advisor at Merrill with 8 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2008. Merrill, together 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.

Rafael Castro is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 66 and Series 63 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Whitney Zick is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been operating in the banking and wealth management industry since 2008, providing advice and guidance as well as implementing strategies for individuals, families, and businesses. Whitney specializes in helping clients pursue their financial goals through customized strategies that focus on wealth accumulation, preservation, and financial security across all stages of life. Whitney holds a Bachelor of Arts degree in Finance from California State University of San Bernardino. She has earned the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA) designations. Her expertise includes services for endowments, foundations, and non-profits, legacy planning, retirement income, tax minimization, socially responsible investing, special needs planning strategies, and managing new wealth. In addition to her professional work, Whitney is actively involved in her community. She serves on the board of the Redlands Area Panhellenic Association and is a member of the American Association of University Women and the Children's Fund. In her personal time, she enjoys gardening, interior decorating, reading, scrapbooking, traveling, and spending time with her family.

Yasmin Palencia Perez is a financial advisor at Merrill with a Series 66 credential and has less than one year of industry experience. Her prior work includes positions at Bank of America, N.A., 24Hr Care Services, and involvement with academic institutions such as the University of California, Riverside, and California State University of San Bernardino. 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 and profit-sharing plans, corporations, and charitable organizations.

Bryanna Shirley Lozano is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. She has three years of industry experience, with prior roles including positions at PFS Investments Inc. and CHE Services. Outside of advisory work, she is involved in the sale of loan products and home security services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

John Patterson is a financial advisor at Stifel with Series 63 and Series 65 licenses and 32 years of industry experience. Prior to joining Stifel in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors. He serves as an Assistant District Governor for Rotary International, supporting community service and club promotion. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services guided by a proprietary methodology developed by its Investment Strategy Group.

Samantha Madden is a financial advisor with Ameriprise in Riverside, CA. She holds a Series 66 designation and has been with Ameriprise since 2023. Prior to her current role, she worked in education and related fields, including positions at Real Journey Academies and the University of Redlands. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations in partnership with its financial advisors.

Tina Dobrinen is a financial advisor with Ameriprise in Yucaipa, CA, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers recommendations through a centralized consulting team.