Kimberly Pendleton is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. Her background includes roles in education with several school districts and ongoing work with PFS Investments Inc. Additionally, she contributes as an advertising assistant for Manhattan Fashion Magazine. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Dennis Hoff is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience, all with LPL Financial since 1995. He also operates a non-variable insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a broad range of advisory and brokerage services, including financial planning and access to third-party asset management and institutional platforms.

Maria Bermejo Gutierrez is a financial advisor at Merrill with 8 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Rafael Castro is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with 13 years of industry experience. He has been associated with JPMorgan Chase Bank, N.A. since 2013 and has worked at J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC 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 to support its recommendations.

Whitney Zick is a Wealth Management Advisor specializing in personalized financial planning to assist clients in achieving their financial goals. She has been active in the banking and wealth management industry since 2008, focusing on creating strategies that align with the priorities of individuals, families, and businesses. With over 15 years of experience, Whitney provides guidance that extends beyond portfolio management, including retirement planning, risk management, and wealth preservation. She holds a Bachelor of Arts degree in Finance from California State University of San Bernardino and has earned the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA) designations. In addition to her professional work, Whitney serves on the board of the Redlands Area Panhellenic Association and is an active member of the American Association of University Women and the Children's Fund. She enjoys traveling and spending time with her family in her personal time.

Yasmin Palencia Perez is a Series 66 designated advisor at Merrill with no prior industry experience. Her work history includes roles at Bank of America, 24Hr Care Services, and academic positions at the University of California, Riverside and California State University of San Bernardino. 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 a range of individual and institutional clients.

Bryanna Shirley Lozano is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. She has three years of industry experience, with prior roles including positions at PFS Investments Inc. and CHE Services. Outside of advisory work, she is involved in the sale of loan products and home security services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

John Patterson is a financial advisor at Stifel with Series 63 and Series 65 licenses and 32 years of industry experience. Prior to joining Stifel in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors. He serves as an Assistant District Governor for Rotary International, supporting community service and club promotion. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services guided by a proprietary methodology developed by its Investment Strategy Group.

Thomas Morgan is a financial advisor at Ameriprise with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mass Mutual Investors Services, LPL Financial, and Trilogy Financial Services. Morgan is based in Tustin, CA. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team in partnership with client advisors.

Samantha Madden is a financial advisor with Ameriprise in Riverside, CA. She holds a Series 66 designation and has been with Ameriprise since 2023. Prior to her current role, she worked in education and related fields, including positions at Real Journey Academies and the University of Redlands. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations in partnership with its financial advisors.

Thoeurn Indy is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 28 years of industry experience. Prior to joining LPL Financial in 2025, he worked with Cuso Financial Services, U.S. Bancorp Investments, Wells Fargo Clearing, Wells Fargo Investments, Wamu Investments, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Tina Dobrinen is a financial advisor with Ameriprise in Yucaipa, CA, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers recommendations through a centralized consulting team.

Jonathan Oconnell is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2020, following an 11-year tenure at UBS Financial Services. Outside of his advisory role, he is an officer of Similar Pants, Inc., a retail and online store based in Rubidoux, California. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning but generally do not provide individual security recommendations.

Aaron Bitran is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with CUSO Financial Services, LP since 2015 and with Arrowhead Credit Union since 2000. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Christopher Foster is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he works with clients and their families to help realize their financial goals, including comfortable retirement planning and navigating liquidity events. He has been with Merrill since 2015 and serves as a primary point of contact for both clients and advisors seeking timely information on account questions and services. Christopher leverages investment insights from Merrill Lynch Wealth Management alongside banking services from Bank of America to assist high-net-worth clients in managing their wealth. His expertise encompasses services for defined benefit plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He collaborates closely with clients' attorneys, accountants, and other advisors to provide comprehensive financial advice that aligns with their overall goals. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a bachelor's degree from the California State University system. He is involved in community activities such as the Rotary Club of Chino Valley and volunteers with organizations including the Salvation Army in Riverside/Moreno Valley. He resides in Chino Hills, California with his wife Daphne and enjoys golfing, hiking, spending time with family, and traveling.

Glenn Unser is a financial advisor at OSAIC with 19 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. and has been affiliated with Independent Capital Management since 2007. Outside of advising, he works as a security guard at concerts and sporting events on weekends. 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 advisory services with an emphasis on customized portfolio construction using various asset classes and third-party managed account solutions.

Richard Bourgouin is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior work history includes roles at Bank of America, Merrill, Citigroup Global Markets, and DFC Investor Services. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advisor-facing technology tools.

Cameron Lowe is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019, following three years at Esri. He is also an associate financial advisor with Mission Partnership Group LLC, an Ameriprise advisor-owned business. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals approaching or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies to deliver personalized, non-discretionary recommendations, supported by a large team and a wide range of advisory, brokerage, and insurance solutions.

Gordon Cooper is a financial advisor at Edward Jones with three years of industry experience and a Series 66 designation. Prior to joining Edward Jones, he held positions at Ameriprise, Thrivent Financial, and Northwestern Mutual. Edward Jones is a full-service wealth management firm serving a diverse client base that includes individual and institutional investors. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Richard Nelson is a financial advisor at Stifel with 41 years of industry experience. He holds a Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2016. His prior experience includes roles at Morgan Stanley and its related entities from 1997 to 2016. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering a range of brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and modeling developed by its Investment Strategy Group, providing asset allocation, retirement, insurance, and estate planning guidance.