David Maupin is a financial advisor with LPL Financial in Redlands, CA, holding a Series 63 designation and over 42 years of industry experience. He has been with LPL Financial since 2009 and has worked at Associated Securities Corp. since 1984. Outside of his advisory role, he operates Maupin Financial Services as a home-based business entity for tax and investment purposes. 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 broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research.

Danny De La Mora is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works one-on-one with clients to develop personalized financial strategies designed to help them pursue their long-term goals. He integrates investment insights from Merrill along with banking and lending solutions from Bank of America to address clients’ evolving financial needs. Danny holds a Bachelor's Degree from Universidad del Sagrado Corazon and maintains the Personal Investment Advisor (PIA) designation. He also participates in community activities by volunteering with local organizations, reflecting his commitment to the communities he serves through Merrill.

Wayne Oberle is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining JPMorgan Chase Bank and J.P. Morgan Securities in 2022. 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 broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Truman Day is a financial advisor with Stifel, holding a Series 63 designation and 47 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2015. Outside of his advisory role, Day serves as a board member and fundraising committee participant for the Inland Empire Lighthouse for the Blind. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Anthony Jaramillo is a financial advisor with Merrill who holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Northwestern Mutual and a transport and leasing company. Outside of advising, he owns and operates Jaramillo Transport, a vehicle transport service serving car dealerships. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Robert Heinze is a CFP® professional with 31 years of industry experience, currently affiliated with Stifel Nicolaus & Co Inc since 2009. He serves as Chair of the Finance Committee for the Family Service Association of Redlands and holds board roles with the Myron Ratcliffe Family Foundation as Vice President and Kimberly Shirk Events, Inc. as President. Heinze also serves as President of the Copper Hill Home Owners Association. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to deliver asset allocation and planning analyses that support client decisions.

Elizabeth Stannard is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and four years of industry experience. Her work history includes roles at Pfs Investments Inc. and Performance Team, alongside a long tenure at Primerica Financial Services since 2003. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving 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-based investment strategies developed by unaffiliated asset managers.

Harry Bald is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1991. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively available separately managed accounts. The firm’s approach includes curated third-party asset managers and a tiered wrap-fee structure.

Darren York is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 designations and previously spent 10 years with CUSO Financial Services, LP. 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 a combination of discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

Marie Johnson is a financial advisor at Raymond James Financial with 41 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Raymond James Financial and its affiliates since 1998. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Tara Sibrian is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 19 years of industry experience. She has been with Thrivent and its related entities since 2006, including her current role at Thrivent Financial for Lutherans since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various topics and allows clients to integrate planning with managed-account services while maintaining separate billing and oversight.

Michael Wright is a financial advisor with Merrill in Ontario, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has worked at Merrill since 2009 and has also been employed with Bank of America since 2004. He serves as a successor trustee for a family living trust outside of his advisory role. 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 institutional investors.

Ann Bakenhus is a financial advisor at Edward Jones in Riverside, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she worked in fitness and retail roles including ownership of Personalized Fitness by Annie, where she created workout plans for clients. She is also a board member at large for the Pick Group of Young Professionals, a nonprofit focused on civic engagement and professional development in Riverside. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and related services, supported by a large nationwide network of financial advisors and branch offices.

Samuel Ramos is a financial advisor with LPL Financial in Corona, CA, holding CFP®, Series 63, and Series 66 designations and 26 years of industry experience. His prior roles include positions at Citizens Business Bank, City National Bank, and UnionBanc Investment Services. 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Stephen Fillet is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at U.S. Bank, MUFG Union Bank, and Jesteda Partners. 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 with model-based and discretionary investment strategies.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. 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 accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Thomas Loza is a financial advisor at LPL Financial with 17 years of industry experience and holds a Series 66 designation. Before joining LPL Financial in 2021, he operated Loza, Beck & Associates LLC and has worked in both insurance and wealth management sectors. He also has a long history of involvement with the Riverside Community Health Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and corporations. The firm provides a range of financial planning and advisory programs with discretionary and non-discretionary management supported by research and model portfolios.

Richard Higbee is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Trilogy Financial Services, LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Outside of his advisory role, he is involved with Providence Wealth Planning, an LLC focused on the sale of insurance products. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing techniques to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

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.