Ronald Guirnalda is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Morgan Stanley, Wells Fargo Clearing, Ameriprise, and UBS Financial Services. Outside of his advisory role, he is employed part-time as a store associate at CVS Health. 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.

Navjit Singh is a financial advisor at Wells Fargo Clearing with 22 years of industry experience and holds a Series 66 designation. His prior experience includes roles at LPL Financial, Wells Fargo Investments, Wamu Investments, Merrill, and Equitable Advisors. 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 large team of over 14,000 advisors and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Paul Lassalle is a financial advisor with Fidelity and holds Series 63 and Series 66 registrations. He has 18 years of industry experience, including multiple tenures at Fidelity as well as positions at Pensionmark Financial Group, LPL Financial, and Global Retirement Partners. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including model portfolio construction based on a combination of fundamental research, quantitative analysis, and algorithmic methods. The firm provides discretionary and non-discretionary advisory services, fund advisory, and consulting, with oversight of affiliated and unaffiliated sub-advisers.

Crystal Norris is a financial advisor at Cetera with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. She is also the owner of Crystal Clear Wealth Management, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that operates a multi-manager platform, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party money managers.

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 at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2015. She is based in Livermore, California. 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 offers non-discretionary 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.

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.

Joseph Duca is a financial advisor at LPL Financial with 20 years of industry experience and holds the Series 66 designation. His prior work includes roles at Commonwealth Financial Network, 7 Streets Financial, and Securities America Advisors. Outside of advisory work, he co-owns several entities in Ketchikan, Alaska, involved in tourism, charter fishing, and retail operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Huong Giang Nguyen is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to joining J.P. Morgan Securities in 2024, Nguyen worked at Bank of America and several other financial institutions. 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 combines quantitative and qualitative research, incorporating ESG eligibility frameworks and a range of derivative capabilities.

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 credentials and has worked previously at Woodbury Financial Services, Questar Asset Management, and Sterne Agee. Kenneth also owns Beckman Investment Securities, a sole proprietorship through which he has provided investment advice since 2008. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Alexander Winter is a Series 66-licensed financial advisor with two years of industry experience, currently with OSAIC. His prior work includes roles at Beckman Investment Securities and involvement with Papapavlos Bistro and Bar, as well as a position at the University of Southern California. He has experience selling securities as an investment professional. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach with portfolio optimization tools and provides a range of programs such as financial planning, managed portfolios, and third-party manager offerings.

Tuan Tang is a financial advisor at Merrill with a Series 66 designation. He has one year of industry experience and previously worked as an independent powerlifting coach. 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, and charitable organizations.

Loc Ngo is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. from 2016 to the present. 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, 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.

Alejandra Venezia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence with both quantitative and qualitative research, using forward-looking capital market assumptions to build model asset allocations.

Marcos Ocegueda is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at several major financial institutions, including Bank of America and Comerica Bank, before joining J.P. Morgan Securities and JPMorgan Chase Bank N.A. He is based in San Jose, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and combines quantitative and qualitative research to develop model asset allocations.