Aaron Handfield is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Edward Jones and J.P. Morgan Securities, and he currently serves in investment-related capacities at Schools First Federal Credit Union since 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive resources and technology.

Kenneth Smith is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and 2 years of industry experience. His prior work includes roles at PFS Investments Inc. and Primerica Financial Services. He has additional experience in the restaurant industry and education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing.

Damon Hopkins is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2018. Prior to that, he was employed at Scottrade from 2015 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ashley Klein is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and eight years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Bruce Hibma is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group utilizing structured discovery processes and firm-approved planning tools.

Rajesh Upadhyaya is a financial advisor with LPL Financial in Anaheim Hills, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 1999. His other business activities include involvement in non-variable insurance and mortgage origination. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, with access to model portfolios, third-party asset managers, and various institutional platforms.

Ashkhen Ispiryan is a financial advisor with Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation and eight years of experience at the firm. Prior to joining Edward Jones in 2018, she was not employed in the industry. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

John Storm is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Transamerica Financial Advisors, and World Financial Group. In addition to his advisory work, he is the CEO of a health insurance business and a certified Covered California health agent. OSAIC Wealth, Inc. serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party platforms to construct diversified portfolios across various asset classes.

Sandra Ruiz is a financial advisor at Fidelity with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of her advisory role, Ruiz owns a catering business, Bella Vita Boards, operating on some weekends. Fidelity’s Strategic Advisers LLC serves a diverse client base including retail and institutional investors, providing advisory and portfolio management services that integrate fundamental research with quantitative analysis and systematic portfolio construction.

Margaret Cape is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory role, she is also employed in customer service at Kohl's Department Store. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, emphasizing structured financial planning supported by firm-approved tools and investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Blessing Rodriguez is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2012. 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 affiliated brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kyle Gilbert is a financial advisor at Morgan Stanley in Riverside, CA, holding a Series 66 designation with 22 years of industry experience. He has been with Morgan Stanley and its related entities since 2009. Outside of his advisory role, he serves as an independent contractor teaching at the University of California, Riverside. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning using structured processes and tools, managing approximately $2.74 trillion in client assets.

Phillip Cheng is a financial advisor with J.P. Morgan Securities in Eastvale, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan in various capacities since 2015. 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 brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Randy Reyes is a financial advisor at Fidelity with 21 years of industry experience and holds a Series 66 designation. He has worked with Fidelity Personal and Workplace Advisors since 2018 and has been affiliated with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a broad client base and is noted for its use of systematic methodologies, formal advisory roles to registered investment companies, and integration of AI in its investment process.

Jazmine Cardona is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab. Her prior roles include positions at the State of California, Pruco Securities, LLC, Prudential Insurance Company of America, and Wells Fargo. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and comprehensive investment solutions.

Byung Chong is a financial advisor at LPL Financial with 25 years of industry experience. He holds a Series 66 designation and has previously worked at CUSO Financial Services and Wescom Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Todd Pam is a financial advisor with LPL Financial based in Claremont, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His career includes roles at Deutsche AM Distributors, CrossRoads Capital Distributors, Clearbridge Investments, and Blackrock Financial Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Virgilio Gagalang is a Series 66-licensed advisor with J.P. Morgan Securities, where he has worked since 2012. He has 23 years of industry experience. 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 in its recommendations.

Ethan Miranda is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses. He has one year of industry experience, including roles at PFS Investments Inc. and Primerica Financial Services. Prior to entering the financial services industry, he worked in education for several years. He also receives non-investment related compensation for referrals involving home security, automation products, and loan services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trades and custody through Pershing, offering a range of investment models including those with cryptocurrency ETF allocations.

Jesus Sanchez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.