Douglas Heal is a financial advisor with LPL Financial in Ontario, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at both Citizens Business Bank and LPL Financial since 2015. Heal is also an insurance agent with Carlson Hammond, working part-time in non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Toneya Mcginnis is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. She has worked at Primerica Advisors since 2017 and at Primerica Financial Services since 2012. In addition to her advisory role, she serves as the Registrar of Voters. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-delivery strategies managed by unaffiliated asset managers.

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 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he owns and operates a tax preparation firm and is involved in accounting and consulting activities, as well as investing in startup businesses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research-driven, tax-efficient strategies and algorithmic support with personalized advisory input. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Connor is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Linsco/Private Ledger since 2001. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations, offering various advisory programs and financial planning services supported by extensive research and model portfolios.

Malik Mallory is a financial advisor at LPL Financial with nine years of industry experience. He previously worked at Edward Jones for six years and has three years of experience with LPL Financial. Mallory serves as a board member of the Hope Through Housing Foundation, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients nationwide. The firm provides a range of financial planning, advisory programs, retirement plan consulting, and brokerage services utilizing both discretionary and non-discretionary management strategies.

Raymond Hebert is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2014. He focuses on developing personalized financial strategies for high-net-worth individuals, families, and their businesses to help them achieve their short- and long-term financial goals. Raymond leverages resources from Merrill Lynch and the banking services of Bank of America to address clients' comprehensive financial needs, including investment advice, education funding, tax minimization strategies, and retirement services. With over 20 years of experience as a former business owner, Raymond has developed expertise in the concerns faced by business owners today. He collaborates closely with professionals such as business bankers, CPAs, insurance companies, pension plan consultants, and business, tax, and estate planning attorneys. Raymond also acts as a Portfolio Manager, managing discretionary portfolios that may incorporate individual stocks, bonds, model portfolios, and third-party investment strategies. Raymond holds a Bachelor of Science in Business Administration from the Department of Finance, Real Estate & Law at California State Polytechnic University, Pomona, earned in 1988. He maintains Series 7 and 66 FINRA Registrations and a State of California Life & Health Insurance License. He holds the Chartered Financial Consultant (ChFC®) designation from The American College of Financial Services. Beyond his professional endeavors, Raymond is involved in community organizations including the Los Angeles County Reserve Deputy Sheriff and the San Dimas Mountain Rescue Team. His personal interests include camping, ice hockey, and volleyball.

Efren Martinez is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial, Inc. for 14 years. Martinez is also the owner of an insurance agency specializing in fixed and health insurance and serves as a Notary Public in California. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services and uses various investment tools and third-party platforms to construct and manage portfolios.

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 three years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2020. Prior to that, she was employed at Eastern Leaf, Vectornate, Mt. San Antonio College, and JC Window Fashions. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports, delivered by a centralized consulting team in partnership with clients’ financial advisors.

Gary Lam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Wells Fargo Bank, J.P. Morgan Securities, UnionBanc Investment Services, and Union Bank. Outside of finance, he has been involved with Dang Pharmacy Group, Inc. and San Gabriel Medical Pharmacy. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has also worked at Bank of America, N.A. for ten years. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Soward is a financial advisor with Ameriprise in Chino, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he works as an adjunct professor at Mt. San Antonio College and is involved in independent insurance brokering and tax preparation through his CPA business. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice primarily for clients with assets in Ameriprise-managed accounts.

Hailee Allen is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she worked at Pennymac Financial Services and has a varied background that includes roles in entertainment and content creation. Outside of advising, she creates content on platforms such as TikTok, YouTube, and Twitch, and is involved in entertainment events as an independent contractor. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Derek Johnson is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the Riverside Chamber of Commerce Downtown Council and the Riverside Sport Hall of Fame executive board. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Carol Knowlton Chirko is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and Cooper McManus, among other firms. She is also involved with Knowlton Financial Position, focusing on insurance and variable annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and multiple platforms. The firm offers comprehensive brokerage, advisory, and financial planning services, utilizing asset-allocation tools and third-party solutions to construct and manage portfolios.

Falguni Patel is a financial advisor with Merrill based in Ontario, California, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Patel has been with Merrill since 2005. Outside of advising, Patel is a co-owner of a family rental property in Piscataway, New Jersey. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cole Green is a financial advisor with Morgan Stanley in Riverside, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at UBS Financial Services, Nylife Securities, and New York Life Insurance Co. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and an Estate Planning Strategies Group.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Timothy Burns is a financial advisor with Cetera and holds a Series 66 designation, bringing 22 years of experience in the industry. He has previously worked at Avantax Insurance Services and 1st Global Advisors, and he also owns Burns & Johnston CPAs, where he practices as a CPA, handling tax preparation and business advisory services. Additionally, he operates Burns Financial Services, focusing on investment-related client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.