Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2008. He holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Michael specializes in developing tailored financial strategies for business owners and professionals, addressing their unique wealth management needs and helping them pursue short- and long-term goals through discretionary portfolio management and access to Merrill Lynch's model portfolios and third-party investment strategies. He focuses on areas including college education planning, institutional investment consulting, personal retirement planning, portfolio management services, small business strategies, women and wealth, sports and entertainment, individual and corporate investment strategy, and retirement income. Michael leverages the investment insights of Merrill Lynch and the banking services of Bank of America to provide a comprehensive range of financial solutions. Michael attended Jurupa Valley High School and Riverside Community College. He is involved in his community through organizations such as the Jurupa Valley Chamber of Commerce, Knights of Columbus, Riverside Chamber of Commerce, and Southern California Youth Rugby. Additionally, he participates in the Susan G. Komen 3-Day For The Cure event. In his free time, he enjoys fishing, golfing, and restoring his 1956 Chevy. He resides in Riverside, California, with his wife Rachel and their two grown children.

David Stevens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Stevens is a caregiver providing in-home supportive services in Riverside, California. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jeffrey Rosenzweig is a Senior Financial Advisor with Merrill Lynch Wealth Management in Ontario, California. He works closely with individuals and families to develop personalized financial strategies tailored to their unique goals and life stages. His focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income. Jeffrey utilizes his expertise to help clients balance saving, investing, and budgeting while encouraging them to enjoy meaningful experiences and consider the impact of their wealth on their well-being and others. Clients rely on his evenhanded advice, patient counsel, and responsive service as he helps them navigate financial planning challenges and opportunities. He earned a Bachelor's Degree from California State University Long Beach and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Jeffrey is actively involved in his community, participating in organizations such as the Kiwanis Club of Ontario, Boy Scouts of America, Etiwanda Bands and Color Guards, First Lego League - Robotics, Fontana Community Little League, and Girl Scouts USA.

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.

Irvin Hoyos Olea is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, NA and Wells Fargo Clearing since 2015. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rosaura Parsons is a Series 66 licensed financial advisor with Wells Fargo Clearing, where she has worked since 2016. She has 29 years of industry experience, including two years at Wells Fargo Advisors, LLC. Parsons serves on the finance committee of the Crafton Hills College Foundation, where she is involved in developing investment policies and reviewing performance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ernesto Fonseca is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities, LLC and J.P. Morgan Chase Bank, N.A. since 2013. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gregg Sherman is a Financial Consultant with Fidelity Investments, where he has been serving clients since 2020. He holds the Certified Financial Planner™ designation and focuses on financial planning principles to assist clients in growing and accumulating assets for retirement, as well as helping those already retired maintain their lifestyle throughout retirement. Before joining Fidelity Investments, Gregg worked as an Investment Consultant at Fidelity from 2019 to 2020. His prior experience includes roles as a Financial Advisor with U.S. Bancorp Investments, Inc. from 2013 to 2019, and with Wells Fargo Advisors, LLC from 2011 to 2013, as well as a Sales Associate with Wells Fargo Investments, LLC from 2008 to 2011. He holds a California Insurance License. Outside of his professional work, Gregg enjoys camping, comedy, cooking and baking, hiking, outdoor adventures, and traveling.

Kirk Shelby is a financial advisor at Stifel with 40 years of industry experience. He held a long tenure at UBS Financial Services from 1986 to 2023 before joining Stifel. Shelby holds a Series 63 designation and is involved in several local charitable organizations, serving on the boards and finance committees of the Redlands Community Hospital Foundation and Redlands Community Foundation, as well as the finance committee of Redlands Country Club. Stifel serves a broad range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, with clients maintaining discretion over implementation.

Marc Griffis is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2001, including a brief tenure at Bofa Securities in 2019. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Angel Cambron is a Series 66-licensed financial advisor with LPL Financial, based in Rancho Cucamonga, CA. Cambron has five years of industry experience and has worked previously with Wells Fargo Advisors and Northwestern Mutual. Cambron is also affiliated with Arrowhead Credit Union through LPL Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by research and model portfolios.

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.

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.

Louie A. Vargas is a Financial Advisor with the HQFV Wealth Management Group at Merrill Lynch Wealth Management. He provides financial advice and planning services to business owners, families, and retirees, helping clients develop personalized financial strategies tailored to their goals, risk tolerance, time horizon, and liquidity needs. Louie holds Series 7, 66, 9, and 10 FINRA registrations and is bilingual in English and Spanish. Louie began his career at Merrill in 2001 supporting ultra-high-net-worth clients in Merrill's Private Wealth Management office in Los Angeles. He became licensed to serve as a Market Supervision Manager in 2008 and later supervised UBS's International Wealth Management business across multiple states until returning to Merrill in 2020. With over 15 years of supervisory experience, he values collaborating with colleagues and providing clients access to comprehensive financial services. The son of a Mexican immigrant mother who worked at Merrill for more than 35 years, Louie is committed to promoting financial literacy and generational wealth building. He participates in Bank of America's Hispanic/Latino Organization for Leadership & Advancement (HOLA) mentorship program and has served as a youth mentor for over a decade. Louie is married and enjoys spending time with his family, preserving family recipes, and researching his family history dating back to 1700s Mexico.

Robert Begley is a financial advisor with Raymond James Financial, holding a Series 63 designation and over 34 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2002. Outside of his advisory role, he is the CEO of Begley Capital Management LLC, a financial and insurance practice. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a broad network of advisors with specialized municipal and public-finance expertise.

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.

Jocelyne Sandoval is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2017 and previously held roles at JP Morgan Chase Bank and JP Morgan Securities LLC from 2015 to 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

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.

Anna Anderson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. She previously worked at Royal Alliance Associates, INC. and John Hancock / SII. Anderson is also involved in youth outreach as a coordinator for a local church. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a network of affiliated advisors, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across various asset classes.