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 financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 30 years of industry experience. Her prior work includes roles at Merrill and Banc of America Investment Services. She serves on the finance committee of the Crafton Hills College Foundation, where she helps develop investment policies and review performance. 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 employs a research-driven investment approach and offers a range of brokerage and advisory solutions through a large network of financial professionals.

Ernesto Fonseca is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2013, following four years at Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations, supported by a range of affiliated investment-management services.

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.

Marquise Bias is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2020, with prior experience at Wells Fargo Bank, N.A. from 2018 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates ESG considerations within a framework that includes broader derivatives and commodities capabilities.

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.

Scott Foties is a CFP® with 15 years of industry experience currently with LPL Financial. His prior experience includes roles at Bank of America and Merrill, as well as Edward Jones. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice through a large network of investment adviser representatives using both proprietary research and third-party strategies.

Angel Cambron is a financial advisor with LPL Financial based in Rancho Cucamonga, CA, holding a Series 66 designation and five years of industry experience. Before joining LPL Financial, Cambron worked at Wells Fargo Advisors and Northwestern Mutual. Outside of advising, Cambron is associated with Arrowhead Credit Union through an investment-related business activity. 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 financial planning and investment management services via a large network of advisors, utilizing model portfolios, third-party subadvisors, and advanced operational tools.

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.

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.

Moises Macias Jr. is a Series 66 licensed financial advisor with 17 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Bank of America, Merrill, J.P. Morgan Securities, and HomeStreet Bank. Outside of his advisory work, he is also a baseball coach for Ayala High School in the Chino Valley Unified School District. 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 extensive operational and research tools.

Anna Anderson is a financial advisor at OSAIC with 10 years of industry experience and holds Series 63 and Series 65 licenses. She has worked with firms including Pacific Wealth Strategists, Royal Alliance Associates, and John Hancock. Outside of her advisory role, she serves as a youth outreach coordinator at Yucaipa SDA Church. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, incorporating discretionary strategies, third-party managers, and proprietary models.

Richard Pelfrey is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Rancho Cucamonga, CA. He has 14 years of industry experience, including eight years at Bank of America and Merrill Lynch from 2012 to 2020, before joining Wells Fargo in 2020. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Salazar is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2010. Outside of his advisory role, he serves on the Board of Adjustments for Secaucus, New Jersey, where he reviews and votes on variances related to the town’s aesthetics. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Evelyn Walker 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 multiple firms including JPMorgan Chase Bank, Wells Fargo, and UnionBanc Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Fanor Bohorquez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 19 years of industry experience. His career includes prior roles at Merrill, Bank of America, Citigroup Global Markets, Wamu Investments, and Waddell & Reed. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process incorporates systematic quantitative and qualitative research supported by a manager solutions team.

Yan Ye is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 17 years of industry experience. Yan previously worked at UBS Financial Services and Merrill before joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process integrates quantitative and qualitative due diligence and may incorporate ESG criteria in its model asset allocations.