Deborah Ames is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been with Primerica Advisors since 2014 and Primerica Financial Services since 2013. Outside of advisory services, she is involved in the sale of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and separately managed account options to individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Joseph Skaggs is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2022, previously serving as a Relationship Manager and High Net Worth Associate. Prior to joining Fidelity, Joseph worked at Vanguard from 2014 to 2021 in various capacities, including Fund Access Operations Administrator, Senior Investment Specialist, and Investment Specialist. Joseph holds a California Insurance License and focuses on providing personalized financial guidance to help clients make informed decisions. His approach emphasizes building strong client relationships through understanding individual financial goals, trust, and transparency. Outside of his professional career, Joseph enjoys gardening, horseback riding, playing musical instruments, scuba diving, surfing, and traveling.

Andrew Carlson is a financial advisor at Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and was self-employed from 2014 to 2017. 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 solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Charles Lewis is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2017 and is currently associated with Bank of America. Outside of his advisory role, he is listed as the owner of BRWNSKNGRL LLC, a specialty gifts business operated by Dana Lewis. 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 plans, corporations, and charitable organizations.

Larry Hoatson is a financial advisor with OSAIC based in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at OSAIC since 2018 and previously at Signator Investors, Inc. and Pacific Wealth Strategists, Inc., where he also serves as president. In addition to his advisory role, he operates as an independent insurance agent, focusing on fixed insurance products. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes, providing services on both discretionary and non-discretionary bases.

Henry Artiga is a financial advisor with Edward Jones in Rancho Cucamonga, California, holding Series 63 and Series 66 licenses and 22 years of industry experience, all with Edward Jones since 2004. Outside of his advisory role, he manages rental properties in the Los Angeles area. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Idabel Burgos is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and possessing seven years of industry experience. She has been with J.P. Morgan Chase Securities LLC and JPMC Bank NA since 2018. Prior to that, she worked at State Farm Melissa Milender Agency and Wells Fargo Home Mortgage. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Mohammed Eid is a financial advisor with LPL Financial in Ontario, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior roles include positions at CUSO Financial Services, Saxony Securities, Purshe Kaplan Sterling Investments, Miramontes Capital, Citigroup, and JP Morgan Securities. 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 and brokerage services, including financial planning, retirement plan consulting, and access to model portfolios and research from multiple sources.

Scott Morris is a financial advisor with UBS Financial Services, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary market research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Joshua Munoz is a Financial Consultant at Fidelity Investments, where he works with clients to simplify complex financial decisions by understanding their current financial situations and long-term goals. He emphasizes collaborative planning and ongoing guidance to help clients make informed, risk-aware decisions aligned with their objectives. He has experience in various financial roles, including positions as a Financial Advisor at Wescom Credit Union from 2022 to 2024, Senior Relationship Banker at Wells Fargo Bank from 2019 to 2022, and Private Client Banker at JP Morgan Chase Bank from 2011 to 2019. Joshua holds a California Insurance License. Outside of his professional work, he enjoys bowling, family activities, fitness, football, golf, and music.

Spencer Macdougall is a CFP® certificant with 18 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at H & R Block and Avantax, among others. Outside of his advisory work, he is involved in tax preparation and bookkeeping through Leivas & Associates and H & R Block. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, as well as institutional accounts. The firm offers a multi-manager platform with access to affiliated and unaffiliated portfolio managers, employing a variety of program structures and strategies.

Eugene Ocasio is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 17 years of experience, he specializes in a range of client focus areas including executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, tax minimization, and retirement income. He works closely with clients to develop personalized financial strategies tailored to their long-term goals. Eugene holds a Bachelor's Degree from the California State University System and has earned the Personal Investment Advisor (PIA) designation. He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, Eugene enjoys baseball, basketball, boxing, fishing, football, music, reading, traveling, and watching movies.

Dennis Egizi is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial services. He is committed to helping clients build, manage, and preserve their wealth through personalized wealth management advice. Dennis focuses on understanding each client's unique situation to establish objectives and develop tailored strategies, with an emphasis on education planning, retirement income, portfolio management, and small business strategies. Dennis began his career as a financial advisor in 1998, spending nine years with Morgan Stanley & Co. before joining Merrill Lynch in 2007. He holds several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Dennis earned his bachelor's degree from California State University San Bernardino after graduating from Notre Dame High School. Outside of his professional work, Dennis enjoys golfing, tennis, biking, camping trips with his family, and spending time with them. He lives with his wife, Danika, and their children, Dane, Daphne, and Darla, in Riverside, California.

John Campbell III is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors and Lone Eagle Wealth Services, which he owns. Campbell serves as a board member of the Pomona Valley Hospital Medical Center Foundation, participating on its Investment Sub-Committee. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and multiple advisory platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Luminita Mora is a financial advisor with Cetera, holding two years of industry experience. She previously worked for Dennis G Phillips & Associates Inc for 17 years and currently serves as CEO of that firm, where she is involved in tax preparation and supervision. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, with a reported $256 billion in assets under management and over 10,000 advisors nationwide.

Illya Williams is a financial advisor with Merrill in Ontario, CA, holding a Series 66 designation and 8 years of industry experience. His prior work includes roles at Bank of America, US Bank, and Wells Fargo Bank. Outside of finance, he is an independent consultant for Pampered Chef, where he sells kitchen tools through in-person and online events. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering strategic asset allocation and tax-aware investment options.

Shawntrice Watkins is a financial advisor with Primerica Advisors in Fontana, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at Primerica since 2010 in various capacities, including her current role at Primerica Advisors since 2018. Outside of financial advising, she is involved in referring home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-based strategies and limited discretionary separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on a tiered wrap fee model and ongoing oversight of its portfolio management processes.

Douglas Stephenson is a CFP® professional with 28 years of industry experience, currently with Cetera. He has held positions at Avantax and operates Stephenson Wealth Management LLC and Stephenson Accountancy Corp, where he provides accounting, tax preparation, and financial planning services. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and over $256 billion in assets under management.

Josiah Ball is a financial advisor at LPL Financial with eight years of industry experience. He previously worked at Western International Securities, Cambridge Investment Research Advisors, and SagePoint Financial. Outside of his advisory role, he is also an agent for non-variable insurance with Sphera Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives, offering a range of financial planning and advisory programs.

Xavier Zamora is a financial advisor with Thrivent Investment Management in Moreno Valley, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at LPL Financial and Cetera. Outside of advisory work, he is involved with Blackstone Consulting Inc., a non-investment-related business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering holistic, goal-based analyses without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”