John Barnes is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2017. In addition to his advisory role, he is associated with AT Center Inc. since 2009. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad suite of financial products.

Jamie Wemhoff is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining MassMutual Investors Services in 2024, Wemhoff worked at MassMutual Life Insurance Company and New York Life Insurance Company, following a 14-year tenure at Cox Automotive Corporate Service. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars, emphasizing collaborative, annual planning engagements using firm-approved analytical tools.

Lucero Palomino is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. She has worked at Merrill since 2016 and previously at Bank of America, N.A. since 2025. Merrill, along 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.

Steven Caron is a Series 66-registered financial advisor with Edward Jones in Corona, CA, bringing 16 years of industry experience. He has been with Edward Jones since 2016 and is also associated with the Mile High Institute since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Chun Ng is a financial advisor at Merrill with Series 63 and Series 66 designations and two years of industry experience. His prior work includes positions at Bank of America, N.A., and East West Bank. 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.

Catherine Hollifield is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Ruben Rodriguez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2009. In addition to his advisory role, he is involved in the sale of loan products and home security services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Margarita Gover is a Series 66-registered financial advisor at Edward Jones with eight years of industry experience. She has worked at Edward Jones since 2018 and previously at Gexpro Services for three years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Freeman Leung is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including U.S. Bancorp Investments, HSBC Securities, Merrill, and LPL Financial. Outside of finance, he owns and operates Glamor Nails & Spa, a personal services nail salon. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. The firm offers non-discretionary advice focused on asset allocation, investment manager selection, and customized performance reporting, supported by centralized due diligence and a blend of quantitative and qualitative research.

Christopher Macarthur is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Primerica since 1990 and has prior experience with the City of Riverside and The Gage Canal Company. Outside of his advisory role, he manages a 25-acre orange orchard. 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. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing exclusively on individual investors rather than institutional or pension plans.

Carlos Rosales Vasquez is a financial advisor at Merrill with 20 years of industry experience and holds a Series 66 credential. His career includes roles at Wells Fargo Clearing, Wells Fargo Bank, and Anteater Group. Outside of his advisory work, he serves on the boards of several nonprofit organizations, including El Nido Family Centers and LA Plaza de Cultura y Artes, where he holds leadership positions related to finance and governance. 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, and institutional investors.

Todd Dreyer is a financial advisor at LPL Financial with 38 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at Ameriprise, Minnesota Life, Securian Financial Services, and Signator Investors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Michael Zeller is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Zeller is a co-founder of the Chad Zeller Memorial Fund, Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies created by third-party asset managers.

Christian Hernandez Jacobo is a financial advisor with Merrill, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at Wells Fargo Clearing and Wells Fargo Bank. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rita Pichardo is a financial advisor at Merrill with 8 years of industry experience. She holds the Series 66 designation and has been with Merrill and Bank of America since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at INVEST Financial Corp, Transamerica Financial Advisors, and FSC Securities Corporation. He is also an insurance agent with Life Brokerage Financial Group. 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 services including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Alfred De La O is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of advisory duties, he is involved in sales of loan products and home security services through affiliated companies and operates De La O Associates, Inc. for Primerica business purposes. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Carlos Rojas Jr. is a financial advisor with J.P. Morgan Securities in Chino Hills, CA, holding a Series 66 designation and 17 years of industry experience. His career includes positions at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Eric Hale is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with 12 years of industry experience. He has worked within various J.P. Morgan entities since 2016, including JPMorgan Chase Bank and JPMorgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, incorporating ESG factors and leveraging broader derivatives and commodities capabilities.

Damian Brown is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Riverside, California. He has been with Merrill Lynch since 1999, serving individuals, families, retirees, and business owners. Damian is a member of Brown & Associates and focuses on investment planning, portfolio construction, and customization. Damian holds a bachelor's degree from the California State University system and has earned several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, he provides comprehensive wealth management strategies that integrate investment management, retirement planning, risk management, and wealth transfer strategies. His approach centers on understanding clients' priorities and developing personalized plans tailored to their goals. Outside of work, Damian resides in Rancho Cucamonga, California with his wife Kerri Ann and their daughter Claire. His personal interests include biking, boating, cooking, gardening, music, spending time with family, traveling, and watching movies.