Paul Sprague is a financial advisor at Voya Financial Advisors, Inc. with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Voya Financial Advisors since 2014, following seven years at Voya Financial Partners, LLC. Outside of finance, he assists with an antique and estate jewelry business owned by his domestic partner, supporting show setups and sales activities. Voya Financial Advisors, Inc. provides financial planning, portfolio management, and retirement advisory services to individuals, plans, charities, and corporations. The firm utilizes investment policy statements, model portfolios, and technology-enabled tools to deliver both discretionary and non-discretionary management through a large network of advisors.

James Riner is a financial advisor at Centaurus Financial, Inc. with 46 years of industry experience. He holds the Series 63 designation and has worked at Centaurus Financial in two separate periods totaling 10 years, as well as three years at Crown Capital Securities, LP. He is also the owner of James Riner & Associates, a non-investment related business used for branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements with a variety of analytical approaches.

Timothy Merwin is a CFP® professional at VOYA Financial Advisors, Inc. with eight years of industry experience. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he referees youth soccer games on weekends. VOYA Financial Advisors, Inc. serves individuals, pension plans, charitable organizations, and corporate clients, offering financial planning, portfolio management, third-party money manager access, and retirement advisory services. The firm employs a combination of in-house and external strategists and technology tools to implement client-focused investment strategies, primarily through non-discretionary accounts.

David Hilton is a financial advisor at VOYA Financial Advisors, Inc. with 39 years of industry experience and holds a Series 66 designation. He has worked at VOYA Financial Advisors since 2014 and previously spent nine years at Voya Financial Partners, LLC. Outside of his advisory role, he serves as a tour guide for underwater scuba diving tours at the Aquarium of the Pacific. VOYA Financial Advisors, Inc. offers financial planning, portfolio management, and retirement-plan advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to implement investment recommendations, providing both discretionary and non-discretionary account management.

Joe Marini is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Voya Financial Advisors and its affiliates since 2004. Outside of his advisory role, he is involved in managing rental properties. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer firm serving individuals, pension plans, charitable organizations, and corporate clients. The firm provides financial planning, portfolio management, and retirement-plan advisory services through a large network of representatives, using a combination of in-house and external strategies with a focus on both non-discretionary and limited discretionary management.

Lilia Hernandez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Merrill, Bank of America N.A., and LPL Financial. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with brokerage execution and custody services. The firm combines large institutional scale with specialized roles such as swap dealing and futures commission merchant activities.

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 with VOYA Financial Advisors, Inc. holding Series 63 and Series 65 registrations and 12 years of industry experience. Prior to joining Voya in 2017, she worked at Advised Assets Group, LLC and Michaels. Outside of her advisory role, she serves as a part-time faculty member at Long Beach City College, where she develops curriculum and teaches management courses focused on planning, organizing, leading, and controlling. VOYA Financial Advisors, Inc. is an enterprise-scale firm providing financial planning, portfolio management, and retirement advisory services to individuals, pension plans, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to deliver investment solutions, often operating in a non-discretionary capacity with client authorization for trades.

Damian Lozano is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2012 and also operates a family-owned tax preparation service. Lozano has experience in education-related roles at various school districts and colleges in the San Bernardino area. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies and discretionary portfolio management supported by third-party asset managers and custodians.

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 registrations and bringing 25 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various strategic investment options.

Tyler Waner is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining LPL Financial in 2018, he worked at the University of Arizona and The Homestead. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning and asset management solutions.

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.

Breanne Smith is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Her prior work includes positions at Target and Nestle Waters. She is also involved in providing disability and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

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 having 11 years of industry experience. He previously worked at Edward Jones for 11 years before joining LPL Financial in 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, and institutional platforms, combining a broad range of advisory services with extensive non-advisory financial activities.

Gerald Watson Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He previously worked for National Planning Corporation for 10 years and has operated Watson Tax Service since 1993, where he is owner and tax preparer. He is also associated with EUFARE, Inc. since 1989. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions, offering a range of advisory and brokerage services supported by extensive technology and a broad platform of financial products.