Caralynn Stein is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 2004. Outside of finance, she is a co-owner of a paintball supply store. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools.

Curtis Hughes is a financial advisor with LPL Financial, holding a Series 66 designation and over 25 years of industry experience. His prior roles include positions at Conway Investment Partners, Grove Point Advisors, and H. Beck, Inc. In addition to his advisory work, Hughes is a licensed resident insurance producer and a realtor, involved in insurance sales and real estate transactions as part of his broader financial planning services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a wide network of investment adviser representatives. The firm offers comprehensive advisory programs and financial planning services, utilizing model portfolios and research from internal and third-party sources.

Luis Barker is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has worked with Primerica Financial Services since 2003 and has additional roles at PFS Investments Inc. and Shamrock Foods. Barker also engages in sales of investment-related products and receives compensation for referring home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Juan Campos is a Financial Advisor at Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® certification. He has been working in the financial services industry since 2008, focusing on helping individuals and families understand their financial situations and make informed decisions. Juan works closely with clients to clarify their goals and create personalized financial plans that can adapt as their lives and needs evolve. His expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, and tax minimization. Juan's approach involves breaking down complex financial topics into clear, practical guidance to support client confidence. Juan holds a Bachelor's Degree from California State Polytechnic University. He is based in Southern California and speaks both English and Spanish. Outside of his professional work, Juan enjoys activities including baseball, boxing, dancing, hiking, horseback riding, reading, spending time with family, and traveling.

Julia Kaminski is a financial advisor at Osaic Wealth, Inc. with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Royal Alliance Associates Inc for 21 years. Kaminski is also the owner of Dewey, McDonald & Carrillo, Inc., a firm that provides tax preparation and management advisory services, including tax mitigation and estate planning. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a wide range of integrated brokerage, advisory, and managed account services, utilizing asset allocation tools and third-party platforms to construct and manage portfolios.

Melissa To is a financial advisor at Morgan Stanley with 14 years of industry experience. She has been with Morgan Stanley since 2012 and is currently affiliated with Morgan Stanley Private Bank, National Association. To holds a Series 66 designation. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured tools and analyses such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers both individual and employer-sponsored financial planning services.

Paul Hoang is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Cau Min Li is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individual and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models as part of its financial planning process.

Cynthia Bollinger is a CFP® with 22 years of experience, currently serving as a financial advisor at Edward Jones since 2004. She holds Series 63 and Series 66 licenses. Outside of her advisory role, she teaches weekend yoga and meditation classes for the City of Walnut Recreation Department. Edward Jones is a wealth management firm serving individual and institutional clients, offering a broad range of investment strategies and affiliated services. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,700 advisors.

Danny Zelaya is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase Bank, LPL Financial, Orange County's Credit Union, and Merrill Lynch/BofA. Outside of his advisory role, Zelaya serves as a chaplain in the California Army National Guard and is the author of the book *Managing Your Habits for Success*. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Lacey Rivello is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 credential and two years of industry experience. Prior to joining Ameriprise, she worked in personal training at F45 and had roles at Lululemon, Naturalena, and TruBru Organic Coffee. Outside of her advisory duties, she continues to work as a personal trainer for group fitness classes. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides annual planning advice and written Recommendation Reports focused on dependable income and tax-aware withdrawal strategies.

Nancy Dorado Corrales is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and bringing six years of industry experience. She has worked with Primerica Advisors since 2016, with additional roles at firms including Nevtis Communications and PFS Investments Inc. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors is a large institutional firm serving primarily individual investors, including non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program featuring model-delivery strategies managed by unaffiliated asset managers, with trade execution and custody supported by BNY Mellon Advisors and Pershing.

Salomon Gonzalez is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in personalized financial strategies that guide clients toward their goals through investment advice, risk management, and wealth preservation. With a focus on understanding clients' individual needs, Salomon offers tailored solutions in areas such as liquidity management, managing new wealth, personal retirement planning, and small business strategies. Salomon brings a decade of banking experience from the Orange County Inland Empire Market, having held roles from Client Service Representative to Relationship Manager. He joined Merrill as a Senior Relationship Manager through The Academy licensing pathway and has earned the Chartered Retirement Planning Counselor (CRPC™), Accredited Wealth Management Advisor (AWMA™), and Personal Investment Advisor (PIA) designations. In August 2022, he transitioned into an advisory role to further develop his practice. Salomon is active in the Hispanic community, serving in leadership roles with the Inland Empire Hispanic Organization of Leadership and Advancement (HOLA) and the Inland Empire Hispanic Business Council (HLBC), and participates in mentoring programs and volunteer events. He holds an Accredited Certificate from the College for Financial Planning, an Associate's Degree from Mt San Antonio College, and a high school diploma from Garey High School. Salomon is bilingual in English and Spanish and resides in Redlands, California with his spouse and two children. His personal interests include soccer, tennis, golf, coin collecting, playing guitar, antiquing, chess, music, and spending time with his family.

Mark Powell is a financial advisor with LPL Financial in Orange, CA, holding a Series 66 credential and 20 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he streams on Twitch and has participated in game testing for Microsoft. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, and other organizations. The firm offers a range of advisory programs, financial planning services, and utilizes research-supported model portfolios and advanced technologies in its investment management.

Pengnian Chu is a CFP® professional with 21 years of experience in the financial services industry. He has worked at LPL Financial since 2021 and previously spent 16 years with Waddell & Reed Inc and various insurance carriers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services, offering both discretionary and non-discretionary management supported by a range of model portfolios and research resources.

Dylan Edwards is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. He holds a Series 66 designation and has worked with Cambridge Investment Research and as a self-employed advisor since 2019. Outside of his advisory role, he is involved as an independent insurance agent with Presidio Life LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms and incorporates both proprietary and third-party strategies.

Diep Le is a CFP® credentialed financial advisor with 20 years of industry experience, currently with Morgan Stanley in Riverside, CA. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to that, he was with National Planning Corporation from 2015 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Shane Kim is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked exclusively with JP Morgan affiliates since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Andrew Lee is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2015. Outside of his advisory role, he is involved in a small-scale commerce activity focused on buying and reselling items. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Armando Armenta Sr. is a financial advisor at Edward Jones in Claremont, CA, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors and maintains affiliated capabilities beyond advisory services.