Brandi Evans Padilla is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2015. Outside of her advisory role, she owns Kona Butterflyz, which provides ADHD coaching and tutoring for securities licensing exam preparation. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Jon Massey is a financial advisor with OSAIC Wealth, Inc., holding the ChFC® and Series 63 credentials and bringing 29 years of industry experience. He previously worked at Mariner Independent Advisor Network, LPL Financial, and National Planning Corporation. Massey serves as president of Plan With Providence, LLC, which supports his advisory operations, and is a board member of Lamb’s Fellowship Church, a nonprofit organization. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by a broad range of managed account programs and consulting services.

Jason Galardy is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 66 designation and has worked at firms including Goldman Sachs Wealth Services and FSC Securities Corporation. Outside of his advisory role, he is involved with NETTWORTH FINANCIAL GROUP. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals. The firm offers access to multiple platforms, third-party advisers, and proprietary model strategies.

Joshua Mason is a financial advisor at Osaic Wealth with four years of industry experience. He holds a Series 66 designation and has worked previously at Mariner Independent Advisor Network and LPL Financial. His background includes roles outside finance, such as positions in collegiate athletics and retail. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

Susan Leivas Sturner is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 24 years of industry experience. She has been affiliated with various firms including Avantax and H&R Block, and is the owner of Leivas Wealth Management. Additionally, she works as a tax preparer and manages client relationships in a separate corporate officer role. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Carter Anderson is a financial advisor at Cetera with Series 63 and Series 65 licenses and two years of industry experience. He has held roles at Avantax and currently works with Kanouse & Associates, Inc., where he provides financial planning and wealth management services alongside tax-related support. Outside of his advisory work, Anderson is involved with the Victoria Club, a private membership club offering social, tennis, golf, and pool amenities. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and consulting services through a nationwide network of independent advisors and employs a multi-manager platform with various program options and custodial arrangements.

Muhammad Khan is a financial advisor at Fidelity with 12 years of industry experience. He has held roles at Fidelity Investments since 2023 and previously worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2011 to 2023. He holds Series 63 and Series 65 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Jason Flanagan is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Citigroup Global Markets, and Chase Investment Services Corp. prior to joining JPMorgan Chase Bank in 2016. 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. Their advisory process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG considerations in its recommendations.

Xuepan Zeng is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within JPMorgan Chase Bank and J.P. Morgan Securities since 2018. Outside of his advisory role, Zeng operates an online retail store focused on auto accessories as a sole proprietor. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program is non-discretionary and emphasizes written asset allocation advice, investment manager searches, and customized performance reporting.

Cory Murdock is a CFP® with 29 years of industry experience, currently serving at OSAIC since 2018. Prior to joining OSAIC, he worked for 21 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He operates a fixed life insurance brokerage as a sole proprietorship. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering a variety of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Juan Camacho is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes positions at Wells Fargo and Chevron Stations, Inc. Outside of his advisory role, he works part-time as a courier for a delivery service. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Adrian Padilla is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. Prior to his current role, he spent over two decades at Mondelez International. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory programs and investment strategies and operates under a fiduciary standard.

Jayson Remigio is a financial advisor at Primerica Advisors with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Primerica Financial Services since 2021. Outside of finance, he manages NCLEXPASSER LLC, a company that provides certification and continuing education for healthcare providers. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering advisory services through model-based investment strategies supported by third-party asset managers.

Frank Saldana is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked with firms including Merrill, Edward Jones, and Chase Investment Services Corp. outside of his current tenure at JPMorgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Hao Wu is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including Thrivent Financial, Bank of America, and Bank of China. Wu is based in Irvine, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with a combination of quantitative screens and qualitative research to develop model asset allocations, and it incorporates a range of investment strategies supported by affiliates.

Tipton Huffman is a financial advisor at Cetera with 36 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. Prior to his current role, he worked at Cetera Advisors LLC and operated TWH Annuities & Insurance Agency, Inc. His other business activities include acting as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program options and oversight structures.

Ryan Mcgraw is a financial advisor at Cetera with 23 years of industry experience. He holds a Series 66 license and has worked at Cetera and affiliated entities since 2024, with prior experience at Securities America Advisors and LPL Financial. Outside of advising, he is also licensed as a mortgage loan officer and sells fixed insurance products. Cetera Investment Advisers LLC serves a large nationwide network of independent advisors, providing investment management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and oversees over $256 billion in assets under management.

Lily Franco is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill, Central Bank of the Midwest, and IAC/HomeAdvisor. Outside of her advisory role, she serves as a co-trustee and power of attorney for family trusts. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yang Zhang is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Transglobal Holding Company and Topocean Consolidation Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Ty Schmidt is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, based in the Riverside office. Since becoming a financial advisor in 1996, Ty has applied his expertise to assist clients with a variety of financial needs, including divorce transition planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. He joined Merrill Lynch in 2004 and earned the CERTIFIED FINANCIAL PLANNER® certification in 2006. With over 25 years of experience, Ty is dedicated to providing individualized financial and wealth management solutions tailored to each client's unique goals. His approach emphasizes building enduring client relationships and simplifying the complexities of wealth planning by considering personal perspectives and priorities. Ty holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ty grew up in Orange County, California, and attended the California State University system. He moved to the Inland Empire after marrying to provide property for horses and other farm animals. Outside of work, Ty enjoys activities such as boating, fishing, camping, horseback riding, swimming, traveling, restoring classic cars, RV travel, and spending time with his family. He is also affiliated with the Corona Elks Lodge.