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.

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.

Pedro Alaniz is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Charles Schwab and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and a centralized due-diligence framework.

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.

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.

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.

Jeffrey Stark is a financial advisor at LPL Financial with 39 years of industry experience. He holds a Series 63 designation and has previously worked at National Planning Corporation for 17 years before joining LPL Financial in 2017. Stark also serves as a trustee on a family account in a fiduciary capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a wide network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Erika Holritz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her work history includes roles at Wells Fargo Clearing Services and Wells Fargo Bank since 2018, as well as U.S. Bancorp Investments and U.S. Bank from 2012 to 2018. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

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.

Christopher Ilgenfritz is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 15 years of industry experience. His career includes roles at Bank of America, Merrill, and J.P. Morgan Securities. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anil Madhyanam is a financial advisor with LPL Financial holding a Series 66 designation and eight years of industry experience. He has worked at several firms including Golden1 Credit Union, B.B. Graham & Company, Inc., Ameriprise, and Sagepoint Financial. Anil currently operates under the Golden1 Investment Services trade name. 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 a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party resources.