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.

Ted Ostrowski is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals in providing comprehensive wealth planning and investment strategies tailored to clients' financial goals and needs. He is committed to delivering a great wealth planning experience for every client. Ted has extensive experience at Fidelity Investments, having progressed through various roles since 2012. His positions include Assistant Branch Manager from 2019 to 2020, Financial Consultant from 2015 to 2019, Investment Consultant from 2013 to 2015, and Financial Representative from 2012 to 2013. He holds a California Insurance License. Outside of his professional responsibilities, Ted has personal interests that include baseball, fishing, football, golf, hiking, and parenthood.

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.

Shao Ying Wang is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. Prior to joining Charles Schwab in 2023, Wang held positions at Yulu Trading Inc, Shing Tech Electronics Co. Ltd, and Seville Classics Inc. Wang also worked at the University of the West from 2016 to 2019. Charles Schwab & Co., Inc. serves a large client base mainly consisting of 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 non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

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.

Carlos Rojas Jr. is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 66 designation and has been with JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hank Yu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Charles Schwab since 1999 and with Charles Schwab Bank since 2005. 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 offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and research-driven alternative investment options within an integrated operational structure.

Brent Thomas is a financial advisor with Raymond James Financial in Claremont, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Raymond James Financial since 2009 and also owns Thomas Investment Group, which operates a rental real estate business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary investment consulting and supports municipal and public finance work through its unique affiliations.

Thomas Kirkpatrick is a financial advisor at Thrivent Investment Management in Ontario, CA, holding Series 63 and Series 66 credentials with 42 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Damian Brown is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He began his career with Merrill Lynch in 1999 and is a member of Brown & Associates, focusing on investment planning, portfolio construction, and customization. Damian provides clients with traditional financial advice, as well as developing and managing custom investment strategies by selecting from a broad array of Merrill Lynch model portfolios and third-party investment options. In his role as a specially qualified Senior Portfolio Advisor, he may also manage client investment strategies on a discretionary basis through the firm’s Investment Advisory Program. Damian holds a Bachelor's Degree in Business Management from California State University of San Bernardino. He is a CERTIFIED FINANCIAL PLANNER® certificant awarded by the Certified Financial Planner Board of Standards, Inc., and holds additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and retirement income. Damian resides in Rancho Cucamonga, California with his wife, Kerri Ann, and their daughter. His personal interests include biking, boating, cooking, gardening, music, traveling, watching movies, and spending time with his family.

Alexander Kosan is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior experience includes roles at Deloitte, CliftonLarsonAllen, Morgan Stanley, and a four-year period at the University of California - Santa Cruz. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Art Cardenas is a financial advisor at OSAIC with 26 years of industry experience. He holds the CFP® designation and Series 63 license. Prior to joining OSAIC in 2025, he worked at LPL Financial for 14 years. Outside of his advisory work, Cardenas serves as equipment manager for the Vineyard Little League in Rancho Cucamonga, CA. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside access to third-party money managers and unified managed accounts. The firm employs firm-provided asset allocation tools and supports both discretionary and non-discretionary portfolio management.

Jonathan Huerta is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018 and previously worked at Foresters Financial Services, Inc. and Lyft. He holds Series 63 and Series 66 credentials. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Pedro Arellano Jr. is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Wescom Financial Services, CUSO Financial Services, JP Morgan Securities LLC, JPMorgan Chase Bank, Penske Automotive Group, and Saks Fifth Avenue. He is also a commissioned notary. 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 and financial planning services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Mark Hutchason is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 29 years of experience in financial services. He specializes in helping plan sponsors design effective retirement plans and establish sound financial strategies. Mark's expertise encompasses business retirement and employee benefits plans, personal retirement planning, divorce transition planning, managing new wealth, and employee financial health. He works closely with both plan stewards and participants to achieve objective-based outcomes and also manages personal wealth portfolios for business owners, individuals, retirees, and families. Mark holds a bachelor's degree in public accounting from Cal State San Bernardino and has a background as a Controller and Administrator of a 501(c)(3) non-profit organization. He has earned the Chartered Retirement Planning Counselor™, Chartered Retirement Plans Specialist™, and Certified Plan Fiduciary Advisor® designations, reflecting his commitment to continuous education in a dynamic regulatory and market environment. Residing in Apple Valley, California with his wife, Shelly, Mark enjoys golfing, hiking, cooking, music, reading, and spending time with his family. He and his wife volunteer as Wish Granters for Make-A-Wish and are active in community service, aligning with Merrill's tradition of community involvement. Mark aims to be a trusted advisor who helps clients achieve financial dignity, defined as the ability to live comfortably, share time with loved ones, and maintain financial confidence.

Yvonne Flores is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings over two decades of experience in banking and wealth management, with expertise in helping clients organize their financial lives and advance meaningful goals for themselves, their families, and their businesses. Fluent in Spanish, Yvonne is skilled at connecting with multiple generations of families and first-generation investors. Yvonne holds a Bachelor's Degree from the California State University System and has earned the Personal Investment Advisor (PIA) designation. Her knowledge spans banking, insurance, wealth transfer, and investing, enabling her to assist clients in identifying opportunities and addressing financial gaps. She focuses on building long-term relationships through diligence, responsiveness, and attentive listening. Originally a first-generation American whose parents emigrated from Mexico, Yvonne values hard work and sacrifice. Outside of her professional responsibilities, she spends time with her family and parents and volunteers with Corazon de Vida, regularly traveling to an orphanage in Tijuana to deliver supplies and spend time with children.