Dennis Hoff is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 1995. In addition to his advisory role, he operates a non-variable insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Maria Bermejo Gutierrez is a financial advisor at Merrill with 8 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Micalizzi is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 designations and over 32 years of industry experience. He has been with Primerica Advisors since 1994 and with Primerica Financial Services since 1993. His other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients, offering model-driven portfolio management with support from third-party asset managers and custodians. The firm operates at scale with thousands of advisors and offices, managing approximately $15.5 billion in assets.

Rene Ventura is a Planning Consultant at Fidelity Investments, where he works with clients and their Wealth Management teams to create and implement comprehensive financial plans tailored to individual financial needs. He has served in this role since 2025. Prior to joining Fidelity, Rene was a Senior Branch Premier Banker at Wells Fargo Bank, N.A. from 2012 to 2024, gaining extensive experience in banking and financial services. Rene holds a California Insurance License, supporting his ability to address various aspects of financial planning. Outside of his professional responsibilities, he spends time engaged in family activities, social events with friends, golf, movies, parenthood, and soccer.

Veronica Pfohlman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. She has been with Primerica Advisors since 2025 and has a background that includes roles in education and tax preparation. Outside of her advisory work, she has experience in educational and tutoring services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee its investment offerings.

Keith Carr is a Financial Consultant I at Fidelity Investments, where he focuses on understanding the needs of clients and their families to develop aligned financial plans. He has been with Fidelity Investments since 2021, initially serving as a Planning Consultant before assuming his current role in 2026. Prior to joining Fidelity, Keith worked as a Premier Banker at Wells Fargo from 2008 to 2021. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, Keith has personal interests that include attending concerts, fishing, football, golf, music, and outdoor adventures.

Jonathon Gonzales is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of his advisory role, he owns an LLC that holds title for a vessel. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans 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.

Joseph Trabert is a financial advisor with Osaic Wealth, Inc. based in Corona, California. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Osaic in 2024, he spent 16 years at Securities America, Inc. and has been president of Kei Financial, an insurance sales business, since 1999. As part of his practice, he conducts risk analyses of clients’ insurance coverage to identify and address potential exposures. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing a variety of tools and third-party resources to construct diversified portfolios tailored to client needs.

Whitney Zick is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been operating in the banking and wealth management industry since 2008, providing advice and guidance as well as implementing strategies for individuals, families, and businesses. Whitney specializes in helping clients pursue their financial goals through customized strategies that focus on wealth accumulation, preservation, and financial security across all stages of life. Whitney holds a Bachelor of Arts degree in Finance from California State University of San Bernardino. She has earned the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA) designations. Her expertise includes services for endowments, foundations, and non-profits, legacy planning, retirement income, tax minimization, socially responsible investing, special needs planning strategies, and managing new wealth. In addition to her professional work, Whitney is actively involved in her community. She serves on the board of the Redlands Area Panhellenic Association and is a member of the American Association of University Women and the Children's Fund. In her personal time, she enjoys gardening, interior decorating, reading, scrapbooking, traveling, and spending time with her family.

Yasmin Palencia Perez is a financial advisor at Merrill with a Series 66 credential and has less than one year of industry experience. Her prior work includes positions at Bank of America, N.A., 24Hr Care Services, and involvement with academic institutions such as the University of California, Riverside, and California State University of San Bernardino. 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.

Dorian Sandoval is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank Leumi USA, Leumi Investment Services Inc., and Valley Financial Management, among others. Sandoval is also involved in CitizensTrust Investment Services, an affiliated business related to his LPL practice. 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 a variety of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

Deeba Zaman is a Resident Director and Senior Financial Advisor with Merrill in Ontario, California. She collaborates closely with individuals and families to provide personalized wealth management strategies. Deeba advises clients on a range of financial topics including college education planning, family wealth management strategies, personal retirement planning, and portfolio management services. She serves as a single point of contact for her clients’ financial questions, helping them establish a clear understanding of their current financial situation and long-term goals. Since joining Merrill in 2007, Deeba has developed her expertise through professional education and earned advanced degrees. She holds a Bachelor's degree from the University of California system and a Master's degree from the University of Southern California. She also holds the Personal Investment Advisor (PIA) designation. Deeba approaches financial advising with attention to both the technical and personal aspects, listening closely to her clients to address their financial needs as well as their aspirations. Outside of her professional role, Deeba enjoys cooking, music, spending time with her family, and traveling. She resides in Southern California with her husband and their Maltese Chihuahua mix, Rocky, and has a particular enthusiasm for Disney.

Bryanna Shirley Lozano is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. She has three years of industry experience, with prior roles including positions at PFS Investments Inc. and CHE Services. Outside of advisory work, she is involved in the sale of loan products and home security services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

John Patterson is a financial advisor at Stifel with Series 63 and Series 65 licenses and 32 years of industry experience. Prior to joining Stifel in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors. He serves as an Assistant District Governor for Rotary International, supporting community service and club promotion. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services guided by a proprietary methodology developed by its Investment Strategy Group.

Arthur Velasco is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Citizens Business Bank and LPL Financial since 2018, with prior experience at Raymond James Financial Services and Investment Centers of America. LPL Financial is a national 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 and financial planning services, utilizing model portfolios, third-party research, and technology-driven strategies.

Thomas Morgan is a financial advisor at Ameriprise with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mass Mutual Investors Services, LPL Financial, and Trilogy Financial Services. Morgan is based in Tustin, CA. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team in partnership with client advisors.

Angie Feng is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management Group, based in the Orange County Inland Empire Market, Ontario office. She provides holistic wealth management strategies tailored to high net worth clients, focusing on their individual needs and goals. Angie has built extensive client relationships over her 16-year career serving offshore and onshore high net worth individuals, business owners, executives, and families. Her areas of expertise include family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, and retirement income. Angie also advises clients on banking, credit, and custom lending through Bank of America, retirement and investment advisory strategies, estate and wealth transfer planning, and business succession planning. She employs a team-based approach to develop and implement comprehensive wealth plans. Angie holds a Bachelor of Science degree from California State University, Fullerton, with an emphasis in Finance and International Business. She maintains her Series 7 and 66 FINRA registrations, life insurance license, and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Fluent in Mandarin and Cantonese, Angie enjoys cooking, golfing, reading, and spending time with her family in her free time.

Steven Frantz is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Kevin Gaffuri is a financial advisor with Primerica Advisors based in Upland, CA, holding Series 65 and Series 63 licenses with 16 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of advisory work, he is involved in the sale of loan products and home-related services for affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets and delivers advisory services through a large network of financial advisors using model-driven strategies supported by third-party asset managers.

Andrew Anderson is a financial advisor at Edward Jones in Corona, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Sunland RV Resorts and was involved with the Hemet San Jacinto Chamber of Commerce. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.