Ronald Guirnalda is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Morgan Stanley. Outside of his advisory role, he is employed part-time as a store associate and stocker at CVS Health. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Navjit Singh is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 22 years of industry experience. He has previously worked with Wells Fargo Advisors LLC and LPL Financial. 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 utilizes research and analytics to guide its investment approach and offers a range of brokerage and advisory solutions.

Paul Lassalle is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms including Pensionmark Securities, LPL Financial, and Global Retirement Partners. His current tenure at Fidelity spans multiple periods since 2015. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to diverse clients including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies with oversight and systematic methodologies.

Crystal Norris is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. She is also the owner of Crystal Clear Wealth Management, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 advisors and serving a broad client base ranging from individual investors to institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

John Brackett is a financial advisor with Cetera, holding 49 years of industry experience. He has worked with several firms, including BAR Financial, LLC, where he served as Regional Director for 16 years, and has recent involvement with B&B Ranch & Cattle, LLC. His career includes over a decade with Cetera Wealth Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, overseeing more than $256 billion in assets with a nationwide network of over 10,000 advisors.

Melissa Bencomo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with J.P. Morgan Securities since 2015 and has also worked at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Cody Fawbush is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. His work history includes roles at UNCLE Credit Union, CUSO Financial Services, U.S. Bank, and other financial institutions. Outside of his advisory role, he is involved in the food service industry working part-time at Chick-fil-A. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Huong Giang Nguyen is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 credentials with two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Nguyen held roles at Bank of America, Pacificwide, Wonder Rates Inc, and several banks in Vietnam. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm combines quantitative asset-allocation modeling and centralized due diligence with an ESG eligibility framework to recommend approved funds and strategies.

M. Curtis Bauer is a financial advisor with Cetera, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as a director for a homeowners association, acting as a vendor liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers to provide various investment program options.

Kenneth Dammel is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, and Sterne Agee Financial Services. He also operates Beckman Investment Securities, a sole proprietorship providing investment advice and services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with financial planning and access to third-party money managers. The firm employs various tools and platforms to construct diversified portfolios tailored to client needs.

Alexander Winter is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. He holds a Series 66 designation and has previously worked at Beckman Investment Securities and the University of Southern California. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and access to third-party money managers to construct diversified portfolios.

Loc Ngo is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2016. 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 for a range of clients including individuals, high-net-worth clients, and institutions.

Parminder Banga is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2016 and has also been associated with Bank of America, N.A. outside of Merrill. Banga and his wife hold a license with Amway Corporation for a small direct distribution business, primarily operated by his wife. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Wei Qian is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Their career includes roles at Bank of America, N.A. since 2026, Merrill since 2025, and prior banking experience at Bank of Jiangsu from 2012 to 2023. Wei Qian also has a background involving work with the San Francisco Chinese Seventh-day Adventist Church and Hult International Business School. 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, and institutional entities, utilizing both internal and third-party managers.

Alejandra Venezia is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2012. Outside of her advisory role, she owns and manages a rental property. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Marcos Ocegueda 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 2019, with prior experience at Bank of America. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside brokerage, distribution, and investment management capabilities.