Zeiry Barillas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining Wells Fargo Advisors in 2017, Zeiry worked at Bank of America, N.A. from 2015 to 2017. Outside of financial advising, Zeiry serves as treasurer for Orangevale Huskies Youth Athletic in Roseville, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services based on an IPS-driven process grounded in modern portfolio theory. The firm’s investment menus include insurance-related vehicles and bank deposit sweep options, reflecting a broader range of financial products than typical among large institutional advisers.

Richard Higbee is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 66 designation and has worked at several firms, including UBS Financial Services, National Planning Corporation, LPL Financial, and Trilogy Financial Services. OSAIC Wealth serves a diverse clientele, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and third-party managers.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

Jose Triana is a financial advisor with Merrill based in Riverside, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he is also engaged in driving passengers and delivering food as part of a separate business activity. 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 offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

AJ Jimenez is the Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he supports and coaches associates to ensure clients receive a great experience when visiting the office. Prior to this, AJ held several positions within Fidelity Investments, including Financial Consultant (2024-2025), Planning Consultant (2023-2024), Relationship Manager (2022-2023), and Financial Representative (2021-2022). AJ holds a California Insurance License, which supports his work in the financial services industry. Outside of his professional responsibilities, AJ has interests in baseball, camping, concerts, golf, and music.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2008 and brings over 17 years of experience in the financial services industry. Michael focuses on serving business owners and professionals, addressing their complex financial needs while balancing professional and personal goals. He holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. In his role, Michael provides discretionary management of custom investment strategies, utilizing Merrill Lynch model portfolios and third-party investment options. He leverages the investment insights of Merrill and the banking services of Bank of America to offer comprehensive financial solutions. His expertise encompasses college education planning, institutional investment consulting, retirement planning, portfolio management, and services tailored to foundations, non-profits, and small businesses. Michael lives in Riverside, California, with his wife Rachel and their two children. He is involved in community organizations including the Jurupa Valley Chamber of Commerce, Knights of Columbus Council 4793, Riverside Chamber of Commerce, and Southern California Youth Rugby. Additionally, he participates in the Susan G. Komen 3-Day For The Cure event. His personal interests include fishing, golfing, woodworking, baseball, boating, camping, football, gardening, hunting, and spending time with family.

David Stevens is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2002. Outside of his advisory role, he provides in-home supportive services as a caregiver in Riverside, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of brokerage and advisory solutions, leveraging research and analytics to guide investment selection and retirement plan consulting.

Yen Chen is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. Chen has been with both Merrill and Bank of America, N.A. since 2016. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Rosenzweig is a Senior Financial Advisor with Merrill Lynch Wealth Management in Ontario, California. He works closely with individuals and families to develop personalized financial strategies tailored to their unique goals and life stages. His focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income. Jeffrey utilizes his expertise to help clients balance saving, investing, and budgeting while encouraging them to enjoy meaningful experiences and consider the impact of their wealth on their well-being and others. Clients rely on his evenhanded advice, patient counsel, and responsive service as he helps them navigate financial planning challenges and opportunities. He earned a Bachelor's Degree from California State University Long Beach and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Jeffrey is actively involved in his community, participating in organizations such as the Kiwanis Club of Ontario, Boy Scouts of America, Etiwanda Bands and Color Guards, First Lego League - Robotics, Fontana Community Little League, and Girl Scouts USA.

Pedro Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Irvin Hoyos Olea is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, NA and Wells Fargo Clearing since 2015. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rosaura Parsons is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 30 years of industry experience. Her prior work includes roles at Merrill and Banc of America Investment Services. She serves on the finance committee of the Crafton Hills College Foundation, where she helps develop investment policies and review performance. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven investment approach and offers a range of brokerage and advisory solutions through a large network of financial professionals.

Ernesto Fonseca is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2013, following four years at Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations, supported by a range of affiliated investment-management services.

Gregg Sherman is a Financial Consultant with Fidelity Investments, where he has been serving clients since 2020. He holds the Certified Financial Planner™ designation and focuses on financial planning principles to assist clients in growing and accumulating assets for retirement, as well as helping those already retired maintain their lifestyle throughout retirement. Before joining Fidelity Investments, Gregg worked as an Investment Consultant at Fidelity from 2019 to 2020. His prior experience includes roles as a Financial Advisor with U.S. Bancorp Investments, Inc. from 2013 to 2019, and with Wells Fargo Advisors, LLC from 2011 to 2013, as well as a Sales Associate with Wells Fargo Investments, LLC from 2008 to 2011. He holds a California Insurance License. Outside of his professional work, Gregg enjoys camping, comedy, cooking and baking, hiking, outdoor adventures, and traveling.

Marquise Bias is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2020, with prior experience at Wells Fargo Bank, N.A. from 2018 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates ESG considerations within a framework that includes broader derivatives and commodities capabilities.

Marc Griffis is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2001, including a brief tenure at Bofa Securities in 2019. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aram Gamboa is a financial advisor at Primerica Advisors with 8 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at PFSI Investments Inc. since 2018 and Primerica Financial Services since 2016. Prior to his financial services career, he was employed at Kaiser Permanente from 2015 to 2018. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors and employs model-driven investment strategies alongside discretionary separately managed accounts.

Albert Barcia is a financial advisor with Wells Fargo Clearing in Ontario, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years with Wells Fargo Investments, LLC. Outside of his advisory role, Barcia owns Executive Fitness, a business that provides exercise equipment rental and personal training services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research and analytics with a range of brokerage and advisory solutions.

Scott Foties is a CFP® with 15 years of industry experience currently with LPL Financial. His prior experience includes roles at Bank of America and Merrill, as well as Edward Jones. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice through a large network of investment adviser representatives using both proprietary research and third-party strategies.