John Oliver Jr. is a financial advisor at Osaic with 53 years of industry experience. He holds a Series 63 designation and previously worked at Lincoln Financial Advisors Corporation and Osaic FA, Inc. He is a managing member of a family-owned LLC that holds commercial real estate, though his involvement is passive. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement consulting. The firm employs a model-based investment process and supports discretionary strategies, third-party managers, and alternative investments.

Jayson Remigio is a financial advisor at Primerica Advisors with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Primerica Financial Services since 2021. Outside of finance, he manages NCLEXPASSER LLC, a company that provides certification and continuing education for healthcare providers. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering advisory services through model-based investment strategies supported by third-party asset managers.

Edward Yoon is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 30 years of industry experience. His prior work includes long-term roles at First Allied Securities and Advisory Services before joining Cetera. Yoon is also active in financial education, serving as an instructor at Harvest Financial for several years. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and maintains over $256 billion in assets under management across more than 10,000 advisors.

Jacqueline Peng is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients build, preserve, and transfer wealth by establishing strong relationships and providing clear communication alongside customized strategies tailored to each client's objectives. Jacqueline works closely with clients to define their goals and develop portfolio strategies designed to achieve them, offering ongoing advice and adapting strategies as clients' situations evolve. Her areas of expertise include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. Jacqueline holds a Bachelor's Degree from Columbia University and the Professional Investment Advisor (PIA) designation. She communicates fluently in Mandarin, Chinese, and English. Outside of her professional role, Jacqueline enjoys cooking, drawing/sketching, interior decorating, music, painting, and singing.

Tipton Huffman is a financial advisor at Cetera with 36 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. Prior to his current role, he worked at Cetera Advisors LLC and operated TWH Annuities & Insurance Agency, Inc. His other business activities include acting as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program options and oversight structures.

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.

Suthipong Chitrathorn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple firms including LPL Financial and Mariner Independent Advisor Network, and is also the author of several books such as *Success Manifesto* and the *Drive to Success* series. In addition to his advisory work, he operates his own financial services brand, Plan with Bob. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers diverse portfolio management options through a multi-manager platform that combines affiliated and third-party managers, with discretionary and non-discretionary services supported by extensive resources and more than 10,000 advisors nationwide.

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.

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.

Jason Nicholson is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America, Pruco Securities, LLC, W&S Brokerage Services, and Western Southern Life. Outside of his advisory role, Nicholson is involved in health insurance sales and occasionally facilitates real estate introductions through a broker he represents. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional clients. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Jerry Fields is a financial advisor at Stifel with 29 years of industry experience. He previously worked at UBS Financial Services for 27 years before joining Stifel in 2023. Fields holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation, providing clients with planning tools that support their decision-making.

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.

Katrina Hatter is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Her prior work includes roles at Primerica Financial Services and San Bernardino Medical Orthopaedic Group. She also has involvement in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm employs a curated third-party asset manager approach combined with BNY Mellon Advisors for model implementation and trade execution.

Gregg Kobashigawa is a CFP® with 35 years of industry experience, currently affiliated with Ameriprise since 2005. He holds a background in accounting and tax preparation through his ownership of a CPA professional corporation and involvement in creative consulting and startup investments. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to support its investment recommendations, which emphasize dependable income sources for clients nearing or in retirement.

David Connor is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been associated with Linsco/Private Ledger since 2001. Outside of his advisory work, he is involved with a real estate rental business in Pomona. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced advisor tools and a broad non-advisory financial services platform.

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).