Ocean Ho is a CFP® professional with 15 years of industry experience, currently serving as a Wealth Advisor at J.P. Morgan Securities. Prior to joining J.P. Morgan in 2021, Ho held roles at Avantax Advisory Services and 1st Global Advisors, among other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative research, with an emphasis on ESG eligibility and broad derivatives capabilities.

Elizabeth Stannard is a financial advisor with Primerica Advisors in San Bernardino, CA. She holds Series 63 and Series 65 licenses and has four years of industry experience. Her work history includes roles at Pfs Investments Inc and Performance Team, alongside her long-standing association with Primerica Financial Services. 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 a large scale, delivering advisory services primarily through model-delivery strategies created by unaffiliated asset managers, with oversight and custodial support from BNY Mellon Advisors and Pershing.

Harry Bald is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1991. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively available separately managed accounts. The firm’s approach includes curated third-party asset managers and a tiered wrap-fee structure.

Darren York is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at CUSO Financial Services, LP for 10 years and CUNA Brokerage Services, Inc. for 10 years. 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 financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jennifer Overby is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 66 and Series 63 licenses and 10 years of industry experience. She worked at Fidelity Brokerage Services from 2015 to 2023 before joining Morgan Stanley. Outside of advisory work, she is engaged as a contractor with technology companies Uber Technologies and DoorDash Platform. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and under corporate agreements.

Marie Johnson is a financial advisor at Raymond James Financial with 41 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Raymond James Financial and its affiliates since 1998. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Stephanie Crean is a CFP® professional with 8 years of industry experience, currently serving as a financial advisor at LPL Financial since 2018. Prior to joining LPL, she worked at California Financial Partners and American Express. Outside of her advisory role, she is associated with 39 North, Inc., a business entity established for tax and investment purposes. 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 financial planning and portfolio management solutions, supported by extensive research and technology tools, and oversees over $819 billion in discretionary assets.

Tara Sibrian is a financial advisor at Thrivent Investment Management in Ontario, CA, with 20 years of industry experience. She holds a Series 66 credential and has been with Thrivent since 2006, including 13 years at Thrivent Financial for Lutherans. 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 and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

Rhonda Sasse is a financial advisor with Morgan Stanley in Claremont, CA, holding a Series 66 designation and seven years of industry experience. She has been with Morgan Stanley since 1991. 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 and financial planning services that utilize structured discovery processes and modeling tools, managing approximately $2.74 trillion in client assets.

Madelyn Brass is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. Her work history includes roles at PFS Investments Inc., Primerica Financial Services, and Hidden Oaks Retreat. Primerica Advisors sponsors 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 delivers advisory services through a large network of advisors and utilizes model-driven strategies managed by unaffiliated asset managers.

Jeannie Shen is a financial advisor at J.P. Morgan Securities with 20 years of industry experience and holds a Series 66 designation. Her career includes positions at Wells Fargo Bank, Bank of America, LPL Financial, and BMO Harris Bank before joining J.P. Morgan in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Michael Wright is a financial advisor with Merrill in Ontario, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has worked at Merrill since 2009 and has also been employed with Bank of America since 2004. He serves as a successor trustee for a family living trust outside of his advisory role. 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 institutional investors.

Ann Bakenhus is a financial advisor at Edward Jones in Riverside, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she worked in fitness and retail roles including ownership of Personalized Fitness by Annie, where she created workout plans for clients. She is also a board member at large for the Pick Group of Young Professionals, a nonprofit focused on civic engagement and professional development in Riverside. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and related services, supported by a large nationwide network of financial advisors and branch offices.

Samuel Ramos is a CFP® professional with 26 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at Citizens Business Bank, City National Bank, and UnionBanc Investment Services. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Stephen Fillet is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at U.S. Bank, MUFG Union Bank, and Jesteda Partners. 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 with model-based and discretionary investment strategies.

Qiong Jackson is a CFP® professional affiliated with Ameriprise, with 10 years of industry experience. She previously worked at Edward Jones for nine years before joining Ameriprise in 2024. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement, typically serving those with at least $1 million in investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations delivered in partnership with financial advisors.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Darren Delle Donne is a financial advisor with LPL Financial holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at JP Morgan Securities and JPMorgan Chase Bank NA for over a decade combined, followed by roles at Fidelity Investments and California Bank and Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Thomas Loza is a financial advisor with LPL Financial, holding a Series 66 credential and 17 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with Loza, Beck & Associates LLC and has experience with Riverside Community Health Foundation and Waddell & Reed, Inc. Outside of his advisory work, he has been engaged in tax preparation and accounting services through LB Tax Prep. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.