Ivan Flores is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Todd Dreyer is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 37 years of industry experience. He previously worked at Tax and Financial Group, Securian Financial Services Inc., and Minnesota Life. Outside of his advisory role, he is the owner of a real estate rental business in Riverside, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Denise Zapata is a financial advisor at LPL Financial with 24 years of industry experience. She holds the Series 66 designation and has previously worked at Cambridge Investment Research Advisors and FSC Securities Corporation. Outside of her advisory role, she is the owner of ONYX FLOWER MEDICINE, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management.

Nicole Fernish is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has been with Fidelity Investments since 2012, progressing through roles including Financial Representative and Investment Consultant. Prior to joining Fidelity, she was a Registered Representative at Charles Schwab from 2011 to 2012. Nicole emphasizes building trusting relationships with her clients by creating and implementing financial goals and providing education in financial planning. She holds a California Insurance License, supporting her ability to serve clients in various aspects of their financial needs.

John Robins is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial across multiple periods since 2008. He has also been involved in insurance sales through various carriers for W&R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering a variety of advisory programs and financial planning services.

Blandine Miramontes is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2022. Outside of finance, she is co-owner of San Diego Commercial and Residential Cleaning, Inc., a janitorial services business. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily 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 thousands of advisors and offices, delivering advisory services through model-driven strategies developed by unaffiliated asset managers.

Shawn Ecklund is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2008. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to model potential outcomes, supporting client implementation through various advisory programs.

Richard Lopez Jr. is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has worked at Bank of America, N.A. since 2024 and has prior experience at California State University, San Bernardino and San Bernardino Valley College. 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, and various institutions.

David Miller is a CFP® professional with 17 years of industry experience, currently working at LPL Enterprise. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities. He serves as a board member for Outdoor Journeys, a nonprofit organization based in Angelus Oaks, CA. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by a platform that integrates financial planning, model portfolios, and third-party asset management.

Michelle Morales is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on serving a diverse range of clients, including owners of family businesses, physicians, attorneys, tribal governments, endowments, and private foundations. Michelle emphasizes frequent communication with clients and often works with both spouses and adult children to understand their best interests now and in the future. She strives to help clients leave meaningful legacies by focusing on their life's most rewarding moments. Michelle has earned her Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. She holds a Bachelor's degree from the University of California System. Michelle specializes in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and tax minimization. She also manages portfolios on a discretionary basis using a variety of investment strategies. Michelle grew up in Pasadena and resides in Yorba Linda with her children. She enjoys biking, golfing, spending time with her family, and traveling. She volunteers as a National Charity League Sustainer, participating in community service and leadership development activities.

David Covarrubias is a financial advisor at Fidelity with Series 63 and Series 66 licenses. He has one year of industry experience, having previously worked at JPMorgan Chase Bank and served in various roles with the Pasadena Police and California Highway Patrol. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios constructed through a combination of fundamental research, quantitative analysis, and algorithmic methods.

Ted Ostrowski is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals in providing comprehensive wealth planning and investment strategies tailored to clients' financial goals and needs. He is committed to delivering a great wealth planning experience for every client. Ted has extensive experience at Fidelity Investments, having progressed through various roles since 2012. His positions include Assistant Branch Manager from 2019 to 2020, Financial Consultant from 2015 to 2019, Investment Consultant from 2013 to 2015, and Financial Representative from 2012 to 2013. He holds a California Insurance License. Outside of his professional responsibilities, Ted has personal interests that include baseball, fishing, football, golf, hiking, and parenthood.

Rita Pichardo is a Series 66-licensed financial advisor with Merrill in Riverside, CA, with eight years of industry experience. She has worked at Merrill and Bank of America since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wesley Watanabe is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and nine years of industry experience. His background includes roles at Bank of America, Merrill, Wells Fargo, J.P. Morgan, and positions within the University of Redlands and University of California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s approach combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios and discretionary management with oversight controls.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has worked at LPL Financial since 2018 and has been with INVEST Financial Corp since 2009. Outside of his advisory roles, he is also an agent for Life Brokerage Financial Group, focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Banis is a financial advisor with LPL Financial in Ontario, California, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial and Citizens Business Bank since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Shao Ying Wang is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. Prior to joining Charles Schwab in 2023, Wang held positions at Yulu Trading Inc, Shing Tech Electronics Co. Ltd, and Seville Classics Inc. Wang also worked at the University of the West from 2016 to 2019. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Hank Yu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Charles Schwab since 1999 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and research-driven alternative investment options within an integrated operational structure.

Thomas Kirkpatrick is a financial advisor at Thrivent Investment Management in Ontario, CA, holding Series 63 and Series 66 credentials with 42 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Damian Brown is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He began his career with Merrill Lynch in 1999 and is a member of Brown & Associates, focusing on investment planning, portfolio construction, and customization. Damian provides clients with traditional financial advice, as well as developing and managing custom investment strategies by selecting from a broad array of Merrill Lynch model portfolios and third-party investment options. In his role as a specially qualified Senior Portfolio Advisor, he may also manage client investment strategies on a discretionary basis through the firm’s Investment Advisory Program. Damian holds a Bachelor's Degree in Business Management from California State University of San Bernardino. He is a CERTIFIED FINANCIAL PLANNER® certificant awarded by the Certified Financial Planner Board of Standards, Inc., and holds additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and retirement income. Damian resides in Rancho Cucamonga, California with his wife, Kerri Ann, and their daughter. His personal interests include biking, boating, cooking, gardening, music, traveling, watching movies, and spending time with his family.