Timothy Merwin is a CFP® with eight years of industry experience, currently affiliated with VOYA Financial Advisors, Inc. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he serves as a soccer referee for children's games on weekends. VOYA Financial Advisors serves a range of individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and a variety of managed account and consulting services through both discretionary and non-discretionary arrangements.

David Hilton is a Series 66-licensed financial advisor with 38 years of industry experience. He has been with VOYA Financial Advisors, Inc. since 2014. Outside of his advisory role, David serves as a guided underwater tour guide at the Aquarium of the Pacific. VOYA Financial Advisors, Inc. serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and consulting services through various program structures, primarily offering non-discretionary recommendations.

Joe Marini is a financial advisor with Voya Financial Advisors, Inc. and Voya Retirement Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Voya Financial Advisors since 2015 and Voya Retirement Advisors since 2021. Voya Financial Advisors, Inc. serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers a range of services such as financial planning, portfolio management, wrap programs, and plan-sponsor consulting, delivering advice through multiple program structures with a preference for non-discretionary, recommendation-based relationships.

Lilia Hernandez is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Merrill, Bank of America N.A., and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including research, security pricing, and derivatives services.

James Ott is a financial advisor with Commonwealth Financial Network in Yucaipa, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes long tenures at Signator Investors, Inc. and OSAIC, followed by roles at Elevare Advisors and Warmen & James Private Wealth, where he is a co-owner. Commonwealth Financial Network serves a national network of advisors and their clients by providing a range of advisory programs, technology, and operational support. The firm offers multiple investment platforms and discretionary model portfolios while acting as a back-office provider for affiliated advisors.

Laura Ayon is a financial advisor at Empower Advisory Group with six years of industry experience. She holds a Series 66 designation and has worked at GWFS Equities, Inc., JPMorgan Securities LLC, and JPMorgan Chase Bank NA. Outside of her advisory role, she is an independent consultant for Paparazzi Accessories, a business selling jewelry and hair accessories. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

La Tanya Harris is a financial advisor at Voya Financial Advisors, Inc. with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Michaels and Advised Assets Group, LLC. In addition to her advisory role, she serves as part-time faculty at Long Beach City College, where she teaches management courses focused on topics including innovation, technology, diversity, and ethics. Voya Financial Advisors, Inc. serves a diverse client base that includes individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth clients. The firm provides financial planning, portfolio management, and consulting services through multiple program structures, primarily offering non-discretionary recommendations.

Daniel Oropeza is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2009. 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. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Precious Bois is a Wealth Management Senior Relationship Manager at Fidelity Investments, serving ultra-high-net-worth clients in the Los Angeles area. In this role, Precious focuses on delivering service tailored to clients' evolving financial needs and connecting them with specialists across a broad range of financial topics to support comprehensive wealth planning. Precious has extensive experience in wealth management, having held various positions at Fidelity Investments since 2016, including Private Wealth Management Senior Relationship Manager, Planning Consultant, and Relationship Manager. Prior to joining Fidelity, Precious worked at Vanguard from 2010 to 2016 in roles ranging from Client Relationship Associate to Financial Advisor. Precious holds a California Insurance License. Outside of work, Precious enjoys family activities, exploring food, spending time with pets, reading, and attending theater performances.

Damian Lozano is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior work includes roles in education at various San Bernardino school districts and colleges, alongside operating a family-owned tax preparation business, Computer Tax Service. Lozano also engages in the sale of home security and automation product referrals through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately 3,935 advisors and $15.5 billion in assets under management. The firm delivers advisory services primarily through model-driven strategies provided by third-party asset managers and supports trade execution and custody through established financial institutions.

Mary Carruthers is a CFP®-designated financial advisor with 42 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2009. Outside of her advisory role, she serves as president of H.M. Bradley Properties, LLC, where she manages mineral interests and related administrative responsibilities. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Danny Payne is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 licenses. He has 24 years of industry experience, including 14 years at National Planning Corporation before joining LPL Financial in 2017. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and technology-driven portfolio management.

Tyler Waner is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked with LPL Financial since 2018 and previously was employed at the University of Arizona and The Homestead. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

Paul Mendonca is a financial advisor with Edward Jones in Redlands, CA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2018 and previously worked at Esri from 2012 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

Mario Silva Escoto is a financial advisor at Merrill with a Series 66 designation and ten years of experience at the firm. His prior work includes positions at Bank of America, N.A., and Azusa Pacific University. 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 and profit-sharing plans, corporations, and charitable organizations.

Bryant Ruiz is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill and Bank of America, he worked at Polo Ralph Lauren from 2013 to 2017. 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 individual and institutional clients.

Paul Gesiriech is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

David Fricke is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for 11 years before joining LPL Financial in 2026. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support various investment strategies.

Gerald Watson Jr. is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2017, following a decade at National Planning Corporation. He is also the owner and tax preparer at Watson Tax & Financial Services, a tax preparation and accounting business he has operated since 1989. 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 advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and technology-driven investment strategies.

Douglas Esquer is a financial advisor with Ameriprise in Redlands, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations through a centralized consulting team.