Suzanne Hart is a financial advisor with LPL Financial in Ontario, CA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. Her career includes roles at Citizens Business Bank, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Additionally, she serves as a notary in Ontario. LPL Financial is a registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research and technologies.

Allison Luong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has been associated with Cetera Wealth Services since 2013 and joined Cetera in 2023. In addition to her advisory role, she works as an independent insurance agent specializing in disability, fixed annuities, life/accident/health, and long-term care insurance. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and account types.

Peter Han is a financial advisor at Cetera with 22 years of industry experience and holds the Series 66 designation. His prior firms include First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he is a passive owner of businesses in agricultural products and saw milling. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, institutional, and retirement plan clients through a nationwide network of advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Gerard Brass is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and having 10 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2016 and has prior experience at Meredith Lodging and Eastridge Workforce Solutions. Outside of advisory work, he is involved with Translations Galore LLC, a business he has operated since 2011. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Michael Laffin is a financial advisor with Edward Jones in Alta Loma, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he worked at the University of Aberdeen from 2016 to 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a variety of discretionary and non-discretionary investment strategies supported by a large network of advisors and branch offices nationwide.

Xi Li is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Li has been with Bank of America and Merrill since 2015. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Mark Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 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 advisory services. The firm’s process 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.

Patricia Garcia is a financial advisor with Primerica Advisors in Ontario, CA, holding Series 65 and Series 63 designations and two years of industry experience. Prior to joining Primerica Advisors, she worked at Corkys and Mifflin Dunder Inc. She also has experience with Primerica Financial Services and in the real estate sector. Outside of financial advising, she works as an independent food and grocery delivery driver. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-based investment strategies created by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, offering discretionary portfolio management primarily for individual investors.

Laura Richards is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 18 years of industry experience. She previously worked at Bank of America, N.A., and Merrill, accumulating extensive experience before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Brian Steen is a financial advisor at Edward Jones in Chino Hills, CA, with one year of industry experience. He previously worked at The Capital Group Companies for 21 years. Outside of his advisory role, he owns rental properties in Ferguson, MO, which are managed by a property management company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of advisors and branch offices nationwide.

Clarissa Schnabel is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerald Whyte is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He is involved in a family tax and accounting practice, Whyte and Associates Inc., where he prepares individual tax returns and manages sales. He also supports operations at Pinnacle Wealth Management Inc., contributing to client service and marketing. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures.

Yvette Giove is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Ismael Rojo is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at SBCUSD, Walmart, and AT&T. Outside of advising, he is involved with Thrive Academics, an educational organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts primarily to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Douglas Forcheskie is a financial advisor with Raymond James Financial in Upland, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2002 and has worked within Raymond James Financial since 2009. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, with a distinctive affiliation to a municipal advisor and specialized consulting programs.

Edson Nieto Ramirez is a financial advisor with Primerica Advisors in Ontario, CA, holding Series 65 and Series 63 licenses and nine years of industry experience. He has worked at PFS Investments Inc. since 2016 and has been affiliated with Primerica Financial Services since 2015. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors, approximately $15.5 billion in assets under management, and uses model-driven investment strategies supported by third-party asset managers.

David Floyd is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He has worked with Primerica Financial Services since 1989 and has served in various roles at the County of San Bernardino. Outside of his advisory work, he is an executor of an estate, committing a small amount of time monthly to that responsibility. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Henry Hong is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various divisions of JPMorgan Chase Bank and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services through a select group of Wealth Advisors.

Seema Sethi is a financial advisor with LPL Financial in Riverside, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007. In addition to her advisory role, she is licensed to present and sell term life insurance, long-term care insurance, fixed annuities, and indexed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Randall Hord is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Raymond James Financial since 2003. He is also a board member of Riverside Community Hospital. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary consulting and advanced risk and outcome modeling.