Fabian Caraveo serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America, supporting them through evolving financial needs. With nearly two decades of experience, Fabian's expertise includes areas such as college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, socially responsible investing, and tax minimization. He utilizes his industry knowledge combined with Merrill's research and resources to develop customized financial strategies tailored to individual and household goals. Fabian holds a Bachelor's Degree from The University of Texas at El Paso and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, he enjoys adventure sports, baseball, basketball, biking, dancing, music, traveling, spending time with his family, and watching movies.

Robert Mendez Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Raymond James since 2009 and served as a California Republican Delegate from 2015 to 2017. Additionally, he is President and CEO of RLM Wealth Group, a support company based in Riverside, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary, tailored advice and supports municipal and public finance work through a unique municipal advisor affiliation.

Fay Koh is a financial advisor with Primerica Advisors in Fontana, CA, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. Her work history includes roles at Bestow Inc. since 2021 and ongoing positions at New York University and Primerica Financial Services since 2012. Koh also engages in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a large-scale institution serving primarily individual investors—including both non-HNW and high-net-worth clients—as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a broad network of financial advisors.

John Barnes is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2017. In addition to his advisory role, he is associated with AT Center Inc. since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad suite of financial products.

Marcia Quiroz is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in retirement planning and wealth management strategies tailored to individual client goals. Since joining Merrill in 2012, she has utilized the firm’s resources to assist families and businesses, particularly focusing on retirement income, employee benefits, defined benefit plans, and financial planning for women. Her background includes extensive experience working with entrepreneurs and business owners on financing, succession strategies, and employee benefits, as well as managing bond issuances for public agencies prior to her current role. Marcia holds a Bachelor's and a Master's degree from the California State University system and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in both English and Spanish, she is active in professional and community organizations such as the Hispanic/Latino Organization for Leadership and Advancement (HOLA) and the Hispanic Latino Business Council. Committed to integrity, education, and mentorship, Marcia integrates these values into her professional practice and personal life. She dedicates time to volunteering with community groups and enjoys hiking, running, and spending time with her family. Her approach centers on developing personalized financial strategies that help clients pursue their desired lifestyles and achieve financial dignity throughout retirement.

Dashan Hayhurst is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank since 2016, following a prior role at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research and incorporates ESG considerations within a broader range of investment strategies.

Kay Bonadie is a Financial Consultant currently working at Fidelity Investments since 2019. Prior to this, Kay was a Financial Advisor at Morgan Stanley from 2015 to 2019. Kay is licensed with the California Insurance License. In her role, she focuses on building trust with clients to define their financial objectives, explore alternatives, and help choose strategies that align with their plans.

Erinleigh Baldivia is a financial advisor with Charles Schwab, holding a Series 66 designation and 16 years of industry experience. She has worked at Charles Schwab and related entities since 2007, including roles at Charles Schwab & Co., Inc. and Charles Schwab Bank Ssb. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides centralized custody and operational support.

Ronald Coleman is a financial advisor with LPL Financial in Claremont, CA, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has worked at LPL Financial since 2013 and previously held positions at Crowell, Weedon & Co., Morgan Stanley, and Citigroup Global Markets. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Chun Ng is a financial advisor at Merrill with Series 63 and Series 66 designations and two years of industry experience. His prior work includes positions at Bank of America, N.A., and East West Bank. 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 and profit-sharing plans, corporations, and charitable organizations.

Catherine Hollifield is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Ruben Rodriguez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2009. In addition to his advisory role, he is involved in the sale of loan products and home security services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

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.

Denise Zapata is a financial advisor with LPL Financial and holds a Series 66 designation. She has 24 years of industry experience and previously worked with firms including Cambridge Investment Research Advisors, FSC Securities Corporation, and Citigroup Global Markets. Outside of advising, she owns Onyx Flower Medicine, LLC, a non-investment-related business. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on supporting advisors through research and technology.

Michael Nackerud is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2025, he spent eight years at TIAA and TIAA-CREF. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm utilizes structured planning tools and proprietary investment analysis to support client goals.

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.

Shawn Ecklund is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2008. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to model potential outcomes, supporting client implementation through various advisory programs.

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.