Michael Bailey is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He worked at Ameriprise Financial Services, Inc. for 33 years prior to his current role. Outside of his advisory work, Bailey is involved in executive office suite rentals and serves as president of the Utica Office Center Owners Association board of directors. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Ryan Mcgraw is a financial advisor at Cetera with 23 years of industry experience. He holds a Series 66 license and has worked at Cetera and affiliated entities since 2024, with prior experience at Securities America Advisors and LPL Financial. Outside of advising, he is also licensed as a mortgage loan officer and sells fixed insurance products. Cetera Investment Advisers LLC serves a large nationwide network of independent advisors, providing investment management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and oversees over $256 billion in assets under management.

Lily Franco is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill, Central Bank of the Midwest, and IAC/HomeAdvisor. Outside of her advisory role, she serves as a co-trustee and power of attorney for family trusts. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darrin Duval is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2010. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yang Zhang is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Transglobal Holding Company and Topocean Consolidation Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Erica Vasquez is a financial advisor with Merrill in Rancho Cucamonga, CA, holding a Series 66 designation and with nine years of industry experience. She has worked at Merrill since 2012 and is also affiliated with Bank of America, N.A. since 2021. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ty Schmidt is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, based in the Riverside office. Since becoming a financial advisor in 1996, Ty has applied his expertise to assist clients with a variety of financial needs, including divorce transition planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. He joined Merrill Lynch in 2004 and earned the CERTIFIED FINANCIAL PLANNER® certification in 2006. With over 25 years of experience, Ty is dedicated to providing individualized financial and wealth management solutions tailored to each client's unique goals. His approach emphasizes building enduring client relationships and simplifying the complexities of wealth planning by considering personal perspectives and priorities. Ty holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ty grew up in Orange County, California, and attended the California State University system. He moved to the Inland Empire after marrying to provide property for horses and other farm animals. Outside of work, Ty enjoys activities such as boating, fishing, camping, horseback riding, swimming, traveling, restoring classic cars, RV travel, and spending time with his family. He is also affiliated with the Corona Elks Lodge.

Douglas Heal is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at Eagle Strategies (NY Life) before joining LPL Financial and Citizens Business Bank, where he has been since 2015. Heal is also an insurance agent with Carlson Hammond. 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 advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized investment strategies.

Toneya Mcginnis is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has been affiliated with Primerica Financial Services since 2012 and has served as a Registrar of Voters since 2018. In addition to her advisory work, she is involved in the sale of home security and automation products through part-time referrals to affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm operates on a large scale with thousands of advisors and several billion dollars in assets under management, delivering model-driven investment strategies supported by third-party asset managers and custodians.

Pedro Alaniz is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He has previously worked at Charles Schwab and Wells Fargo. Alaniz holds Series 63 and Series 65 licenses. 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, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, including an ESG eligibility framework.

Malik Mallory is a financial advisor at LPL Financial with 9 years of industry experience. He previously worked at Edward Jones for 6 years and has experience with Union Pacific Railroad. Malik serves as a board member for the nonprofit Hope through Housing Foundation. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and various financial products.

Raymond Hebert is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients since 2014. He specializes in developing financial strategies for high-net-worth individuals, families, and businesses, focusing on a range of objectives including investment advice, education funding, tax minimization, and retirement assets and services. Raymond provides clients access to the investment resources of Merrill and the banking services of Bank of America to address various aspects of their financial lives. With over 20 years of experience as a former business owner, Raymond has gained insight into the challenges faced by business owners and collaborates with business bankers, CPAs, insurance companies, pension plan consultants, and legal professionals to serve his clients' needs. He functions as a Portfolio Manager who manages personalized or defined strategies on a discretionary basis, incorporating individual stocks, bonds, model portfolios, and third-party investment strategies. Raymond earned his Bachelor of Science in Business Administration from California State Polytechnic University, Pomona, specializing in Finance, Real Estate & Law in 1988. He holds Series 7 and 66 FINRA registrations, a State of California Life & Health Insurance License, and the Chartered Financial Consultant (ChFC®) designation from The American College of Financial Services. He is a member of Sigma Phi Epsilon Alumni and has been involved with organizations such as the Los Angeles County Former Reserve Deputy Sheriff and the San Dimas Mountain Rescue Team. Raymond speaks English and French and maintains professional designations as a Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA).

Kinley Yann is a financial advisor with J.P. Morgan Securities in Chino Hills, CA, holding Series 63 and Series 66 licenses and having seven years of industry experience. Prior to joining J.P. Morgan in 2025, Yann worked at Massachusetts Mutual Life Insurance Co., Mass Mutual Investors Services, Six Sigma Leadership Corp., Transamerica Financial Advisors, and World Financial Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm focuses on non-discretionary, written asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Cynthia Hedahl is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sarah Vargas is a financial advisor at Ameriprise with four years of industry experience. She holds the Series 66 designation and has previously worked at Eastern Leaf and Vectornate. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to guide asset allocation, withdrawal strategies, and Social Security decisions within a defined investment framework.

Gary Lam is a financial advisor with Wells Fargo Clearing in Fontana, CA, holding Series 63 and Series 65 registrations and 14 years of industry experience. His career includes roles at Wells Fargo Bank, J.P. Morgan Securities, UnionBanc Investment Services, and Union Bank. He also has business experience spanning 14 years with Dang Pharmacy Group, Inc. and San Gabriel Medical Pharmacy. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Jeffrey Stark is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. He previously worked at National Planning Corporation for 17 years before joining LPL Financial in 2017. Outside of his advisory role, he serves as a trustee on a family account. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment and planning solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Erika Holritz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her work history includes roles at Wells Fargo Clearing Services and Wells Fargo Bank since 2018, as well as U.S. Bancorp Investments and U.S. Bank from 2012 to 2018. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Kyle Standafer is a financial professional with five years of industry experience, currently affiliated with Cetera. He holds the Series 66 credential and has worked at firms including North Star Resource Group and Minnesota Life Insurance Company. Outside of his financial advisory role, he owns JWK Exotics, a business focused on automotive photography and sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting various investment strategies and program structures.

Christopher Ilgenfritz is a financial advisor with Merrill in Upland, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.