Margarita Gover is a Series 66-registered financial advisor at Edward Jones with eight years of industry experience. She has worked at Edward Jones since 2018 and previously at Gexpro Services for three years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Jingdi Sun is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has been with J.P. Morgan Securities and JPMC BANK NA (Southwest) since 2015. 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 investment strategies.

Freeman Leung is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 30 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at multiple financial firms during 2016-2017 and has owned Glamor Nails & Spa, a personal services nail salon, since 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending investment strategies.

Christopher Macarthur is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Primerica since 1990 and has prior experience with the City of Riverside and The Gage Canal Company. Outside of his advisory role, he manages a 25-acre orange orchard. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing exclusively on individual investors rather than institutional or pension plans.

Carlos Rosales Vasquez is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member and secretary for El Nido Family Centers, treasurer and finance committee leader at LA Plaza de Cultura y Artes, and president of the Palomares Walk HOA. He also owns Anteater Home Solutions and participates as a board member of NAHREP LA San Gabriel. 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, and institutional investors.

Todd Dreyer is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 37 years of industry experience. He previously worked at Tax and Financial Group, Securian Financial Services Inc., and Minnesota Life. Outside of his advisory role, he is the owner of a real estate rental business in Riverside, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Denise Zapata is a financial advisor at LPL Financial with 24 years of industry experience. She holds the Series 66 designation and has previously worked at Cambridge Investment Research Advisors and FSC Securities Corporation. Outside of her advisory role, she is the owner of ONYX FLOWER MEDICINE, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management.

John Robins is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial across multiple periods since 2008. He has also been involved in insurance sales through various carriers for W&R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering a variety of advisory programs and financial planning services.

Blandine Miramontes is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2022. Outside of finance, she is co-owner of San Diego Commercial and Residential Cleaning, Inc., a janitorial services business. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily 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 thousands of advisors and offices, delivering advisory services through model-driven strategies developed by unaffiliated asset managers.

John Splain is a financial advisor with Raymond James & Associates in Yorba Linda, CA, holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has been with Raymond James & Associates since 1993. Outside of his advisory role, he serves as a trustee for an investment-related entity and has a personal investment interest in a solar energy business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad range of investment strategies and affiliated research.

Michelle Morales is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on serving a diverse range of clients, including owners of family businesses, physicians, attorneys, tribal governments, endowments, and private foundations. Michelle emphasizes frequent communication with clients and often works with both spouses and adult children to understand their best interests now and in the future. She strives to help clients leave meaningful legacies by focusing on their life's most rewarding moments. Michelle has earned her Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. She holds a Bachelor's degree from the University of California System. Michelle specializes in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and tax minimization. She also manages portfolios on a discretionary basis using a variety of investment strategies. Michelle grew up in Pasadena and resides in Yorba Linda with her children. She enjoys biking, golfing, spending time with her family, and traveling. She volunteers as a National Charity League Sustainer, participating in community service and leadership development activities.

Manuel Vega is a financial advisor with LPL Financial in Claremont, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Western International Securities, National Planning Corp., and other firms. His background includes roles at Stark Wealth Management and Artless Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

Michael Zeller is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. He is a co-founder of the Chad Zeller Memorial Fund, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm selects and oversees third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Christian Hernandez Jacobo is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., accumulating six years in the financial sector. His background also includes roles outside finance, such as at Riverside Imports, LLC, and T-Mobile. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Kelli Putnam is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JP Morgan Chase Bank, First Republic Investment Management, and First Republic Bank. 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Rita Pichardo is a Series 66-licensed financial advisor with Merrill in Riverside, CA, with eight years of industry experience. She has worked at Merrill and Bank of America since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wesley Watanabe is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and nine years of industry experience. His background includes roles at Bank of America, Merrill, Wells Fargo, J.P. Morgan, and positions within the University of Redlands and University of California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s approach combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios and discretionary management with oversight controls.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has worked at LPL Financial since 2018 and has been with INVEST Financial Corp since 2009. Outside of his advisory roles, he is also an agent for Life Brokerage Financial Group, focusing on non-variable insurance. 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 offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Banis is a financial advisor with LPL Financial in Ontario, California, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial and Citizens Business Bank since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Alfred De La O is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of advisory duties, he is involved in sales of loan products and home security services through affiliated companies and operates De La O Associates, Inc. for Primerica business purposes. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.