Alma Gonzalez Monarrez is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2014 and also has a role with Technicolor USA Inc. Her other business activities include sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio management services focused on individual rather than institutional clients.

Clarissa Schnabel is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 licenses 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerald Whyte is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He is involved in a family tax and accounting practice, Whyte and Associates Inc., where he prepares individual tax returns and manages sales. He also supports operations at Pinnacle Wealth Management Inc., contributing to client service and marketing. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures.

Yvette Giove is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Ismael Rojo is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at SBCUSD, Walmart, and AT&T. Outside of advising, he is involved with Thrive Academics, an educational organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts primarily to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Christopher Zambrano is a CFP® professional at LPL Financial with 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. Outside of his advisory role, he has royalty income from Guayacali Music. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Douglas Forcheskie is a financial advisor with Raymond James Financial in Upland, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2002 and has worked within Raymond James Financial since 2009. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, with a distinctive affiliation to a municipal advisor and specialized consulting programs.

Edson Nieto Ramirez is a financial advisor with Primerica Advisors in Ontario, CA, holding Series 65 and Series 63 licenses and nine years of industry experience. He has worked at PFS Investments Inc. since 2016 and has been affiliated with Primerica Financial Services since 2015. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors, approximately $15.5 billion in assets under management, and uses model-driven investment strategies supported by third-party asset managers.

David Floyd is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 32 years of industry experience. His career includes more than three decades with Primerica Financial Services and roles with the County of San Bernardino. Outside of his advisory work, he serves as an executor of an estate and is involved in referral activities for home security and related services. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties.

Maida Talens is a financial advisor at LPL Financial with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Transamerica Financial Advisors and World Financial Group. In addition to her advisory work, Talens is a registered nurse and has roles involving case management and transplant coordination. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supporting both discretionary and non-discretionary management with access to model portfolios, research, and various technology-enabled solutions.

Nathan Logan is a financial advisor with Morgan Stanley in Claremont, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney and Citigroup Global Markets, Inc. since 2009 and 2008 respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market-based simulations.

Henry Hong is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various divisions of JPMorgan Chase Bank and J.P. Morgan Securities since 2015. J.P. Morgan Securities 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, distribution, and investment management capabilities, delivering services through a select group of Wealth Advisors.

Seema Sethi is a financial advisor with LPL Financial in Riverside, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007. In addition to her advisory role, she is licensed to present and sell term life insurance, long-term care insurance, fixed annuities, and indexed annuities. 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. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Randall Hord is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Raymond James Financial since 2003. He is also a board member of Riverside Community Hospital. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary consulting and advanced risk and outcome modeling.

Joseph Skaggs is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2022, previously serving as a Relationship Manager and High Net Worth Associate. Prior to joining Fidelity, Joseph worked at Vanguard from 2014 to 2021 in various capacities, including Fund Access Operations Administrator, Senior Investment Specialist, and Investment Specialist. Joseph holds a California Insurance License and focuses on providing personalized financial guidance to help clients make informed decisions. His approach emphasizes building strong client relationships through understanding individual financial goals, trust, and transparency. Outside of his professional career, Joseph enjoys gardening, horseback riding, playing musical instruments, scuba diving, surfing, and traveling.

Cory Justus is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2024, he spent 12 years at Azusa Pacific University. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a large network of financial advisors and branch offices.

Albert Cline is a financial advisor at OSAIC with 49 years of industry experience. He holds a Series 63 designation and has worked with firms including Woodbury Financial Services and AIG Financial Advisors. Outside of his advisory role, he is a grantor of a college scholarship trust in memory of his late father. OSAIC serves a diverse client base, including individual, high-net-worth, institutional, and charitable investors, offering a range of integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisors. The firm employs various asset allocation and portfolio construction tools and supports multiple advisory platforms and third-party solutions.

Andrew Carlson is a financial advisor at Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and was self-employed from 2014 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Charles Lewis is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2017 and is currently associated with Bank of America. Outside of his advisory role, he is listed as the owner of BRWNSKNGRL LLC, a specialty gifts business operated by Dana Lewis. 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, pension plans, corporations, and charitable organizations.

Dennis Priest is a financial advisor with LPL Financial in Anaheim, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with LPL Financial since 2019 and previously worked at Royal Alliance Associates, Inc. from 2008 to 2019. Outside of LPL, he provides financial planning and consulting services through Benefit Funding Retirement Services, LLC, an independent registered investment advisor. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management.