Andy Samaan is a financial advisor with J.P. Morgan Securities in Yucaipa, California, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked at various J.P. Morgan entities since 2009 and is currently a silent partner at ALE Fresno 2 Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating ESG frameworks and supporting implementation through affiliated entities.

Carlos Rosales Vasquez is a financial advisor at Merrill with 20 years of industry experience and holds a Series 66 credential. His career includes roles at Wells Fargo Clearing, Wells Fargo Bank, and Anteater Group. Outside of his advisory work, he serves on the boards of several nonprofit organizations, including El Nido Family Centers and LA Plaza de Cultura y Artes, where he holds leadership positions related to finance and governance. 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, and institutional investors.

Ivan Flores is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence and a combination of quantitative and qualitative research to support investment recommendations.

Todd Dreyer is a financial advisor at LPL Financial with 38 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at Ameriprise, Minnesota Life, Securian Financial Services, and Signator Investors. 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, model portfolios, third-party asset management, and institutional platforms.

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 with LPL Financial in San Bernardino, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes multiple tenures at LPL Financial, as well as experience with Waddell & Reed, Inc. and IFMG Securities, Inc. Robins also has involvement as an insurance agent through various insurance carriers affiliated with W&R Insurance Agencies. 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 portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

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® with 17 years of industry experience. He is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities, Cuso Financial Services, and Waddell & Reed. He serves as a board member for Outdoor Journeys, a nonprofit organization based in Angelus Oaks, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is primarily model-driven, offering financial planning, access to third-party asset managers, and participation in wrap programs.

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.

Michael Zeller is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Zeller is a co-founder of the Chad Zeller Memorial Fund, Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies created by third-party asset managers.

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 financial advisor at Merrill with 8 years of industry experience. She holds the Series 66 designation and has been with Merrill and Bank of America since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at INVEST Financial Corp, Transamerica Financial Advisors, and FSC Securities Corporation. He is also an insurance agent with Life Brokerage Financial Group. 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 services including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Robert Banis is a financial advisor with LPL Financial in Ontario, California, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Citizens Business Bank, First American Trust, and Fidelity. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Alfred De La O is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of advisory duties, he is involved in sales of loan products and home security services through affiliated companies and operates De La O Associates, Inc. for Primerica business purposes. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

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 Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Riverside, California. He has been with Merrill Lynch since 1999, serving individuals, families, retirees, and business owners. Damian is a member of Brown & Associates and focuses on investment planning, portfolio construction, and customization. Damian holds a bachelor's degree from the California State University system and has earned several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, he provides comprehensive wealth management strategies that integrate investment management, retirement planning, risk management, and wealth transfer strategies. His approach centers on understanding clients' priorities and developing personalized plans tailored to their goals. Outside of work, Damian resides in Rancho Cucamonga, California with his wife Kerri Ann and their daughter Claire. His personal interests include biking, boating, cooking, gardening, music, spending time with family, traveling, and watching movies.

Alexander Kosan is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior experience includes roles at Deloitte, CliftonLarsonAllen, Morgan Stanley, and a four-year period at the University of California - Santa Cruz. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Art Cardenas is a financial advisor at OSAIC with 26 years of industry experience. He holds the CFP® designation and Series 63 license. Prior to joining OSAIC in 2025, he worked at LPL Financial from 2011 to 2025 and at Girard Securities, Inc. in 2011. Outside of his advisory role, Cardenas serves as the equipment manager for Vineyard Little League. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering both brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation, portfolio optimization, and allows advisors to implement discretionary or advisor-managed strategies using third-party managers and proprietary models.