Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. 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 accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Charles Rathmell II is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Rathmell serves as a director of the Brea Rotary Club and is involved with the Team Up for Down Syndrome advisory council, the CSU College of Business & Economics Executive Council, and the board of directors for the Intervention Center for Early Childhood. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and the Estate Planning Strategies Group.

Quan Lee is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank SSB, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. prior to his current role. 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 non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Mary Rilloraza is a financial advisor with Primerica Advisors in Glendora, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. She has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Outside of her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm focuses on curated third-party asset managers and uses a tiered wrap-fee structure.

Richard Higbee is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Trilogy Financial Services, LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Outside of his advisory role, he is involved with Providence Wealth Planning, an LLC focused on the sale of insurance products. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing techniques to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

Jose Triana is a financial advisor at Merrill with 15 years of industry experience. He has held roles at Bank of America, N.A. and Merrill since 2014. Outside of his advisory work, he is involved in ride-sharing and food delivery through Uber. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2008. He holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Michael specializes in developing tailored financial strategies for business owners and professionals, addressing their unique wealth management needs and helping them pursue short- and long-term goals through discretionary portfolio management and access to Merrill Lynch's model portfolios and third-party investment strategies. He focuses on areas including college education planning, institutional investment consulting, personal retirement planning, portfolio management services, small business strategies, women and wealth, sports and entertainment, individual and corporate investment strategy, and retirement income. Michael leverages the investment insights of Merrill Lynch and the banking services of Bank of America to provide a comprehensive range of financial solutions. Michael attended Jurupa Valley High School and Riverside Community College. He is involved in his community through organizations such as the Jurupa Valley Chamber of Commerce, Knights of Columbus, Riverside Chamber of Commerce, and Southern California Youth Rugby. Additionally, he participates in the Susan G. Komen 3-Day For The Cure event. In his free time, he enjoys fishing, golfing, and restoring his 1956 Chevy. He resides in Riverside, California, with his wife Rachel and their two grown children.

Yen Chen is a financial advisor with Merrill in Chino Hills, CA, holding a Series 66 designation and six years of industry experience. Chen has been associated with Bank of America, N.A. and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients under the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Randy Louie is a financial advisor at OSAIC with 28 years of industry experience. He held a position at Woodbury Financial Services, Inc. for 27 years prior to joining OSAIC in 2024. Outside of his advisory work, he coaches Muay Thai kickboxing classes several evenings per week at a martial arts fitness gym. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes various asset-allocation tools and third-party solutions to manage portfolios that include a broad mix of investment types.

Eric Glade is a financial advisor with Ameriprise in San Clemente, CA, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is a certified pickleball instructor and competitive player, though he has not yet provided lessons or earned prize money from tournaments. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service that supports its financial advisors.

Jeffrey Rosenzweig is a Senior Financial Advisor with Merrill Lynch Wealth Management in Ontario, California. He works closely with individuals and families to develop personalized financial strategies tailored to their unique goals and life stages. His focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income. Jeffrey utilizes his expertise to help clients balance saving, investing, and budgeting while encouraging them to enjoy meaningful experiences and consider the impact of their wealth on their well-being and others. Clients rely on his evenhanded advice, patient counsel, and responsive service as he helps them navigate financial planning challenges and opportunities. He earned a Bachelor's Degree from California State University Long Beach and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Jeffrey is actively involved in his community, participating in organizations such as the Kiwanis Club of Ontario, Boy Scouts of America, Etiwanda Bands and Color Guards, First Lego League - Robotics, Fontana Community Little League, and Girl Scouts USA.

Pedro Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Peter O'Brien is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2013. Outside of his advisory role, he serves as a board member for Brothers on a Quest, a nonprofit focused on raising awareness and funds to fight rare neurological diseases, and acts as a FINRA arbitrator. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Ileana Chavez is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 securities licenses and has worked at JPMorgan Securities LLC and Wells Fargo prior to joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach includes structured discovery conversations and firm-approved tools, offering a range of services without providing individual security recommendations as part of standalone plans.

Rosaura Parsons is a Series 66 licensed financial advisor with Wells Fargo Clearing, where she has worked since 2016. She has 29 years of industry experience, including two years at Wells Fargo Advisors, LLC. Parsons serves on the finance committee of the Crafton Hills College Foundation, where she is involved in developing investment policies and reviewing performance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Edward Hays is a Series 66-registered financial advisor with Edward Jones, based in Covina, CA, and has three years of industry experience. Prior to joining Edward Jones, he worked at RAD Diversified REIT Inc and Wells Fargo Home Mortgage. He also manages a rental property through a property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of investment strategies and affiliated services, supported by a nationwide network of over 23,700 financial advisors and 15,000 branch offices.