Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has also worked at Bank of America, N.A. for ten years. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Soward is a financial advisor with Ameriprise in Chino, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he works as an adjunct professor at Mt. San Antonio College and is involved in independent insurance brokering and tax preparation through his CPA business. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice primarily for clients with assets in Ameriprise-managed accounts.

Hailee Allen is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she worked at Pennymac Financial Services and has a varied background that includes roles in entertainment and content creation. Outside of advising, she creates content on platforms such as TikTok, YouTube, and Twitch, and is involved in entertainment events as an independent contractor. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Derek Johnson is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the Riverside Chamber of Commerce Downtown Council and the Riverside Sport Hall of Fame executive board. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Falguni Patel is a financial advisor with Merrill in Ontario, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Patel has worked at Merrill since 2002, with a one-year period at Morgan Stanley & Co. LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a range of clients including individuals, high-net-worth individuals, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Cole Green is a financial advisor with Morgan Stanley in Riverside, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at UBS Financial Services, Nylife Securities, and New York Life Insurance Co. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and an Estate Planning Strategies Group.

Marshall James is a Certified Financial Planner® with 28 years of industry experience. He has been with LPL Financial since 2007 and previously worked at OSAIC and Pension Portfolios. He serves as a board member of Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, leveraging various investment strategies and technology tools while overseeing substantial discretionary assets.

Ryan Vollkommer is a financial advisor at Stifel with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel since 2022. Prior to joining Stifel, he held positions at MWA Financial Services Inc, Modern Woodmen of America, Red Bull, and FACESS. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Joseph Dehni is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, J.P. Morgan Securities, and Fidelity Investments. Outside of his advisory work, he is a general partner and managing member of Brothers Associates LLC, a UPS Store franchise, and Detroit Pizza Company LLC, where he assists with advertising and promotion on a limited basis. 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 for a range of clients, including individuals, high-net-worth investors, pension plans, and charitable organizations.

Guy Hugaert is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2014. Outside of his advisory role, he serves as a power of attorney for his siblings. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elizabeth Sandoval is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Paul Smith is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with LPL Financial since 2010. 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 services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with both discretionary and non-discretionary investment strategies.

Jose Guzman Vazquez is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. He has prior experience at Wells Fargo Clearing and Wells Fargo Bank, N.A. spanning six years. 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 variety of individual and institutional clients.

Lynette Atchley is a financial advisor at Cetera with 26 years of industry experience. She holds the CFP®, PFS™, and Series 66 credentials. Atchley is also CEO and managing director of CPA Financial Advisors, Inc., where she oversees a team preparing tax returns and handling accounting functions. Additionally, she serves as chairperson of a committee for the California CPA association focused on financial planners and holds board roles with The Holloway Group and Rebirth Homes Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, 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 various investment strategies and third-party managers.

Lawrence Ruiz is a financial advisor with Primerica Advisors in Altadena, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Primerica Advisors since 1999 and also serves at the California School of the Arts, San Gabriel Valley. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of portfolio models and manager selection.

Steven Antinucci is a financial advisor with LPL Financial in Yucaipa, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2012, following prior roles at Merrill and Wells Fargo Investments. Antinucci is also a California-commissioned notary. 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 and access to model portfolios, employing various investment strategies supported by proprietary research and technology tools.

Aaron Blackfelner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Flagstar Bank and JPMorgan Chase. Outside of advising, he operates an independent travel agency booking custom travel experiences. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Paul Castro is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes roles at Cetera, UnionBanc Investment Services, and an 11-year tenure at Caliber Picture Framing. He is involved in several business activities outside of advisory work, including an insurance agency and tax and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions and supports advisors with advanced research and operational tools.

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.