Benjamin Harris is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Merrill and Xavier College Preparatory. 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 applying an ESG eligibility framework in its recommendations.

Janet Clements is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a silent partner in Clements Family Investments, a family investment LLC based in Scottsdale, Arizona. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including its Financial Advisors and Estate Planning Strategies Group.

Sonja Premetz is a financial advisor with Stifel in Newport Beach, CA, holding Series 63 and Series 65 credentials and 29 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, where she spent a total of 15 years before joining Stifel in 2024. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning.

William Schwartz is a financial advisor with Morgan Stanley in Palm Desert, CA, holding a Series 66 designation and 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning services that utilize structured discovery processes and advanced modeling tools.

Richard Balance is a financial advisor at Innovative Wealth Partners, LLC in Palm Desert, CA, with 11 years of industry experience. He holds a Series 65 designation and has been with Innovative Wealth Partners since 2008. Balance is also a licensed life insurance agent. Innovative Wealth Partners operates as an independent, solicitor-only advisory firm that refers individual and high-net-worth clients to third-party investment managers rather than providing direct portfolio management. The firm’s approach focuses on selecting and referring licensed advisers and does not maintain assets under management or perform ongoing manager reviews.

Adam Ochoa is a financial advisor at Lotusland Properties with a Series 65 credential and three years of industry experience. He is also a Certified Public Accountant with The Practice CPA, where he has worked for over a decade. Lotusland Properties is an independent, single-advisor firm serving individuals and high-net-worth clients by selecting and referring them to third-party investment advisers. The firm does not manage client portfolios directly and focuses on vetting recommended advisers without exercising trading authority or custody of assets.

Andrew Kustas is the sole advisor at White Pine Investments, an independent firm based in Palm Desert, CA. He holds a Series 65 designation and has 16 years of industry experience. Kustas has managed White Pine Investments since 2001. White Pine Investments manages approximately $24 million in client assets for about 79 clients, providing ongoing investment supervisory services and portfolio management. The firm serves both individual and institutional clients, including pension and profit-sharing plans, offering discretionary portfolio oversight and managed accounts.