Stephen Whyte is a financial advisor at Cetera with 12 years of industry experience and holds a Series 66 designation. He is also the CEO of Whyte & Associates Inc., a tax accounting and business advisory firm, and Pinnacle Wealth Management Inc., where he manages investment planning, retirement and estate planning, and financial planning services. Whyte serves as a trustee for the Bentley Family Trust and the Lisa Bruns Living Trust. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management services, including access to various third-party money managers and customized investment solutions.

Jessica Lundquist is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been affiliated with Bank of America, N.A. and Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Don Stalker is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, where he has worked since 2005. He has 31 years of industry experience and is also involved in songwriting and performing arts, including membership in the Maxwell-Stalker Band. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, employing a range of portfolio management strategies under multiple platform arrangements.

Fernando Hirugami is a financial advisor with Merrill in Riverside, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he was involved with Vision Solved Wealth Management Group and has experience in marketing, wealth management, and estate planning. Outside of his advisory role, he is owner and operations manager of Shift Studios LA, a clothing studio. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Melissa Kenshalo is a CFP® professional with 24 years of industry experience, currently advising at Ameriprise in Tustin, CA. Her prior roles include positions at Eagle Strategies, NYLife Securities, New York Life Insurance Company, Stifel Nicolaus & Co Inc, RBC Capital Markets, Bank of America, and Merrill. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides clients nearing or in retirement with written recommendations and annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Matthew Serret is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial planning and investment management services to clients. Specific details about his experience, areas of expertise, education, and community involvement are not provided.

Alexandra Dodds is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in wealth management for families and business owners. With over 20 years in the financial industry, she focuses on a goals-based approach to simplify financial needs and provide tailored advice. Alexandra manages discretionary custom investment strategies and incorporates tax minimization and diversification in portfolio management. Her expertise spans executive compensation, family wealth management, personal retirement planning, and socially responsible investing, including ESG strategies. Alexandra holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California, San Diego. Alexandra is actively involved in her community through organizations such as the Girl Scouts of San Gorgonio and the Temecula Valley Women’s Club. She enjoys hiking, running, spending time with her family, and traveling. Alexandra values building strong client relationships to better understand and meet their financial and planning goals.

Tammy Macarthur is a Series 66 licensed advisor with five years of industry experience, currently affiliated with LPL Financial in Tustin, CA. Her work history includes roles at LPL Financial since 2021, Darci Kelley from 2016 to 2019 and ongoing, as well as Waddell & Reed Inc. and various insurance carriers associated with W&R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, diverse advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Lupita Fernandez is a financial advisor at Fidelity with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JP Morgan Securities, LLC for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing multiple registered investment companies and its use of systematic methodologies in building model portfolios.

Oralia Valenzuela is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation. She has over 17 years of experience with Wells Fargo Clearing, including a recent rehire after a brief employment gap. 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 supported by extensive research and analytics.

Jerilyn Bostock is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 1999 and holds Series 63 and Series 65 licenses. Outside of her advisory work, she also works as a food delivery driver on a part-time basis. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Caira is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and with 21 years of industry experience. He has been with Mass Mutual Financial and MML Investors Services since 2004. Outside of his advisory work, he owns and operates a baseball training facility for children. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-oriented planning engagements.

Feiruz Ennabe Ayoub is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 10 years of industry experience. She has been with Primerica Financial Services and Primerica Advisors since 2015. Outside of advising, she has been involved with 2000 C-Store, Inc. since 1989. Primerica Advisors sponsors 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 employs model-delivery strategies and offers discretionary portfolio management through a network of advisors supporting approximately $15.5 billion in assets under management.

Sunny Kaura is a financial advisor at Primerica Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at PFS Investments Inc. since 2011, and Primerica Financial Services since 2000. He is also involved with the Corona-Norco Unified School District. Outside of advisory services, he receives compensation for referrals related to mortgage products and home security services through affiliated companies. 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 account options under a wrap-fee structure. The firm curates third-party asset managers and utilizes BNY Mellon Advisors for model implementation and trade execution.

Timmie Ho is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Merrill and Bank of America in 2025, Ho held roles at Wells Fargo Clearing and Wells Fargo Bank. Outside of financial services, Ho has worked in various roles in the food service industry. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Jabczenski is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at CUSO Financial Services, LP and Wescom Financial Services, LLC. 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 advisors. The firm offers a range of advisory programs, financial planning, and brokerage services, with approaches that include discretionary and non-discretionary management supported by model portfolios and research.

David Paik is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill, Bank of America, TD Ameritrade, and Scottrade. J.P. Morgan Securities 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.

Theodore Diaz is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. He has worked at Bank of America and JP Morgan Chase Bank, and was previously involved in real estate as a realtor. Outside of his advisory role, he owns a janitorial services business and occasionally rents out a personal vehicle through an online platform. 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 individual and institutional investors.

Xiaobing Li is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Li has also held roles at Boston University and Ohio State University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies, use of AI and algorithmic methods, and formal governance procedures.

Martin Corona is a financial advisor with Primerica Advisors based in San Bernardino, CA, holding Series 63 and Series 65 licenses. He has 14 years of industry experience and has been associated with Primerica Financial Services and PFS Investments Inc. since 2009 and 2012, respectively. Outside of advising, he is involved in selling loan products, home security and automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies created by unaffiliated managers and supports accounts with custodians such as BNY Mellon Advisors and Pershing.