Carlos Almazan is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes seven years with CUNA Brokerage Services, INC and ongoing work with SchoolsFirst Federal Credit Union since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of services including financial planning, third-party asset management programs, and institutional platforms, combining advisory and non-advisory financial activities across multiple sectors.

Joel Perez Ramirez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has been with Primerica Advisors since 2013 and also works with Primerica Financial Services since 2012. Outside of advisory roles, he receives compensation for part-time referrals of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors and also serves corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering model-based investment strategies alongside discretionary separately managed accounts.

Emmanuel Reynoso is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with PFS Investments Inc. since 2013 and Primerica Financial Services since 2011. Outside of advisory services, he serves as Owner and CEO of Emajen, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model portfolio strategies developed by unaffiliated asset managers.

Danielle Valles is a financial advisor at Merrill with Series 65 and Series 63 credentials. She has been with Merrill since 2012. 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.

Phillip Levy is a Series 66–licensed financial advisor with 19 years of industry experience. He is currently with J.P. Morgan Securities in San Bernardino, CA, where he has worked since 2014, previously holding positions at Wells Fargo Clearing and Wells Fargo Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Sherri Anderson is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2019. Prior to that, she spent 20 years with Wells Fargo Bank and its clearing division. Anderson serves as a board member of the Inland Empire Economic Partnership, an organization focused on regional economic development in Southern California. 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 institutions.

Richard Fernandez is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 strategies developed by internal and third-party managers.

Carolyn Matson is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. She previously worked at National Planning Corporation before joining LPL Financial in 2017. Outside of her advisory role, she serves as a member at large for the Steven G. Mihaylo Big Bear High School Education Foundation and co-owns Matson Development Corp. 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. The firm offers a range of investment programs and uses various research tools to support advisors in delivering customized and model portfolio strategies.

Carolyn Tinkham is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of her advisory role, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on services for individual investors rather than institutional or pension plans.

Narriman Sanchez is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its related entities since 2007. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Richard Mast is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since the early 2000s. Outside his advisory roles, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies overseen by third-party managers and supports a broad network of nearly 3,700 advisors with about $15.5 billion in assets under management.

Nathen Trujillo is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 65 licenses and having two years of industry experience. Prior to joining Charles Schwab, he worked at Tommy Bahama and The Walt Disney Company. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

David Altman is a financial advisor at Stifel with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co since 2016. His prior experience includes roles at Morgan Stanley and its affiliates from 1998 to 2016. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, providing capital market analysis and asset allocation guidance.

Shawn Price is a financial advisor with Edward Jones in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Garett Wilkinson is a financial advisor with Edward Jones in Corona, CA, holding Series 63 and Series 66 credentials. He has 25 years of industry experience, all with Edward Jones since 2001. 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 programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Fabian Caraveo serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America, supporting them through evolving financial needs. With nearly two decades of experience, Fabian's expertise includes areas such as college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, socially responsible investing, and tax minimization. He utilizes his industry knowledge combined with Merrill's research and resources to develop customized financial strategies tailored to individual and household goals. Fabian holds a Bachelor's Degree from The University of Texas at El Paso and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, he enjoys adventure sports, baseball, basketball, biking, dancing, music, traveling, spending time with his family, and watching movies.

Robert Mendez Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Raymond James since 2009 and served as a California Republican Delegate from 2015 to 2017. Additionally, he is President and CEO of RLM Wealth Group, a support company based in Riverside, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary, tailored advice and supports municipal and public finance work through a unique municipal advisor affiliation.

Fay Koh is a financial advisor with Primerica Advisors in Fontana, CA, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. Her work history includes roles at Bestow Inc. since 2021 and ongoing positions at New York University and Primerica Financial Services since 2012. Koh also engages in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a large-scale institution serving primarily individual investors—including both non-HNW and high-net-worth clients—as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a broad network of financial advisors.

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.

Marcia Quiroz is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in retirement planning and wealth management strategies tailored to individual client goals. Since joining Merrill in 2012, she has utilized the firm’s resources to assist families and businesses, particularly focusing on retirement income, employee benefits, defined benefit plans, and financial planning for women. Her background includes extensive experience working with entrepreneurs and business owners on financing, succession strategies, and employee benefits, as well as managing bond issuances for public agencies prior to her current role. Marcia holds a Bachelor's and a Master's degree from the California State University system and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in both English and Spanish, she is active in professional and community organizations such as the Hispanic/Latino Organization for Leadership and Advancement (HOLA) and the Hispanic Latino Business Council. Committed to integrity, education, and mentorship, Marcia integrates these values into her professional practice and personal life. She dedicates time to volunteering with community groups and enjoys hiking, running, and spending time with her family. Her approach centers on developing personalized financial strategies that help clients pursue their desired lifestyles and achieve financial dignity throughout retirement.