Kristin Charlebois is a financial advisor with OSAIC based in La Verne, CA. She holds a Series 66 designation and has three years of industry experience. Prior to joining OSAIC, she has worked with Royal Alliance Associates, INC. since 2023 and has been involved with Pension Portfolios, Royal Alliance Associates since 2004. Charlebois also provides notary public services as a courtesy to clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Susan Leivas Sturner is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 24 years of industry experience. She has been affiliated with various firms including Avantax and H&R Block, and is the owner of Leivas Wealth Management. Additionally, she works as a tax preparer and manages client relationships in a separate corporate officer role. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kevin Tolan is a financial advisor with Ameriprise in La Verne, CA, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is the owner of Trinity Family Ventures, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement, with a focus on clients 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.

Melissa Robman is a CFP® and holds a Series 66 license with 10 years of industry experience. She has been with Edward Jones since 2015. 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 including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

Sisi Wu is a financial advisor with Cetera who holds a Series 66 designation and has nine years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, HSBC Securities USA, Axa Advisors, and Bank of America. Outside of her advisory work, she is the sole owner of 810 Jarrow LLC, a rental property business. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing more than $256 billion in assets.

Muhammad Khan is a financial advisor with Fidelity who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment products, including model portfolios and fund advisory services.

Darice Tsai is a financial advisor at Edward Jones in Glendora, CA, holding a Series 66 designation with 10 years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Curtis Viggers is a financial advisor with LPL Financial in Claremont, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His career includes roles at TruStage and J Alden Associates, Inc. He is also involved in insurance product sales, including whole life and disability insurance through TruStage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and technologies such as machine learning.

Juan Camacho is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes positions at Wells Fargo and Chevron Stations, Inc. Outside of his advisory role, he works part-time as a courier for a delivery service. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Jayson Remigio is a financial advisor with Primerica Advisors in Fresno, CA, holding Series 63 and Series 65 credentials and four years of industry experience. He has been with Primerica Advisors since 2022 and is also involved with NCLEXPASSER, LLC, where he serves as manager and program director for a healthcare certification and continuing education business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

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.

Frank Saldana is a Series 66-credentialed advisor with J.P. Morgan Securities, based in Ontario, CA, and has 16 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

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.

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.

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.

Yang Zhang is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Transglobal Holding Company and Topocean Consolidation Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Erica Vasquez is a financial advisor with Merrill in Rancho Cucamonga, CA, holding a Series 66 designation and with nine years of industry experience. She has worked at Merrill since 2012 and is also affiliated with Bank of America, N.A. since 2021. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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 with LPL Enterprise, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. His background includes roles at Prudential Insurance Company of America, Pruco Securities, and Western Southern Life. Outside of his advisory work, he is involved in health insurance sales and real estate-related activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, and third-party asset management, with a platform that integrates adviser programs alongside insurance sales and lending services.