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.

Efren Martinez is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial, Inc. for 14 years. Martinez is also the owner of an insurance agency specializing in fixed and health insurance and serves as a Notary Public in California. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services and uses various investment tools and third-party platforms to construct and manage portfolios.

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.

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.

John Soward is a financial advisor with Ameriprise in Chino, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he works as an adjunct professor at Mt. San Antonio College and is involved in independent insurance brokering and tax preparation through his CPA business. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice primarily for clients with assets in Ameriprise-managed accounts.

Hailee Allen is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she worked at Pennymac Financial Services and has a varied background that includes roles in entertainment and content creation. Outside of advising, she creates content on platforms such as TikTok, YouTube, and Twitch, and is involved in entertainment events as an independent contractor. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Derek Johnson is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the Riverside Chamber of Commerce Downtown Council and the Riverside Sport Hall of Fame executive board. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement 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.

Carol Knowlton Chirko is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and Cooper McManus, among other firms. She is also involved with Knowlton Financial Position, focusing on insurance and variable annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and multiple platforms. The firm offers comprehensive brokerage, advisory, and financial planning services, utilizing asset-allocation tools and third-party solutions to construct and manage portfolios.

Falguni Patel is a financial advisor with Merrill based in Ontario, California, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Patel has been with Merrill since 2005. Outside of advising, Patel is a co-owner of a family rental property in Piscataway, New Jersey. 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.

Cole Green is a financial advisor with Morgan Stanley in Riverside, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at UBS Financial Services, Nylife Securities, and New York Life Insurance Co. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and an Estate Planning Strategies Group.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Dyllon Whitaker is a financial advisor with Primerica Advisors in Upland, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2013 and is also involved with Tristar Marketing Systems since 2018. Outside of his advisory role, he engages in sales of loan products and home-related services through affiliated companies. 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 under a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors.

Timothy Burns is a financial advisor with Cetera and holds a Series 66 designation, bringing 22 years of experience in the industry. He has previously worked at Avantax Insurance Services and 1st Global Advisors, and he also owns Burns & Johnston CPAs, where he practices as a CPA, handling tax preparation and business advisory services. Additionally, he operates Burns Financial Services, focusing on investment-related client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Ryan Vollkommer is a financial advisor at Stifel with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel since 2022. Prior to joining Stifel, he held positions at MWA Financial Services Inc, Modern Woodmen of America, Red Bull, and FACESS. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Joseph Dehni is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, J.P. Morgan Securities, and Fidelity Investments. Outside of his advisory work, he is a general partner and managing member of Brothers Associates LLC, a UPS Store franchise, and Detroit Pizza Company LLC, where he assists with advertising and promotion on a limited basis. 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 a range of clients, including individuals, high-net-worth investors, pension plans, and charitable organizations.