Rachelle Rivera is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held various roles predominantly in educational institutions and youth organizations. She has been involved with the United Spirit Association for over a decade. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of third-party advisory models and provides ERISA fiduciary services through credentialed representatives.

Carley Wilvers is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Wilvers is based in Irvine, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides comprehensive financial services through its Financial Advisors and Estate Planning Strategies Group.

Nicole De Loza is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley and its predecessor firms since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning strategies and corporate financial planning agreements.

Marquise Bias is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2020, with prior experience at Wells Fargo Bank, N.A. from 2018 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates ESG considerations within a framework that includes broader derivatives and commodities capabilities.

Albert Barcia is a financial advisor with Wells Fargo Clearing in Ontario, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years with Wells Fargo Investments, LLC. Outside of his advisory role, Barcia owns Executive Fitness, a business that provides exercise equipment rental and personal training services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research and analytics with a range of brokerage and advisory solutions.

Scott Foties is a CFP® with 15 years of industry experience currently with LPL Financial. His prior experience includes roles at Bank of America and Merrill, as well as Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice through a large network of investment adviser representatives using both proprietary research and third-party strategies.

Cindy Mo is a financial advisor at Cetera with 11 years of industry experience. She holds the Series 66 designation and has worked at firms including Cetera, LPL Financial, Cathay Bank, and Merrill. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting a range of program structures and investment strategies.

Carl Cheng is a financial advisor with J.P. Morgan Securities based in Irvine, CA. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2025, he worked at Bank of America and Merrill from 2019 to 2025, as well as roles at Charter Communications and PT Mulia Ahdi Paramita. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s process integrates quantitative and qualitative due diligence to build model allocations and includes capabilities in derivatives and commodities through specialized regulatory registrations.

Dailoc Tran is a financial advisor at Thrivent Investment Management with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Thrivent, Tran worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Tran also has experience working outside the financial industry, including a four-year period at 7 Leaves Cafe. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across a range of financial planning topics. The firm allows clients to combine planning with managed-account programs under consolidated billing while keeping the services separate.

Angelito Eusebio is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors since 1995 and with Primerica Financial Services since 1994. Outside of his advisory role, he is a partner and tax preparer at Ace Tax Services, a business he operates with his daughter. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, operating under a tiered wrap-fee structure.

Robert Golden is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020, following a decade at UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

Marianela Silva is a CFP® professional with 19 years of experience in the financial services industry. She is currently with LPL Financial, where she has worked since 2022, following prior roles at Wells Fargo Clearing and Merrill. In addition to her advisory work, Silva owns Marigold Tax & Bookkeeping Solutions, which provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with both proprietary research tools and access to third-party asset managers.

Cassia Stefanini is a financial advisor with Primerica Advisors in Chino, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for ten years and has been with Primerica since 2019. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading and overlay responsibilities to BNY Mellon Advisors.

Darci Kelley is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 27 years of industry experience. She has previously worked with Waddell & Reed, Inc. and various insurance carriers, and operated her own business, Darci Kelley Inc. Outside of her advisory role, she has managed a family insurance business. 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 advisory and brokerage services, including financial planning and access to third-party asset managers, supported by extensive operational and research tools.

Brian Parze is a financial advisor at Morgan Stanley in Irvine, CA, holding Series 63 and Series 66 registrations. He began his career in the financial industry in 2024 with Wells Fargo before joining Morgan Stanley in 2025. Prior to entering finance, his work experience includes roles at Walgreens, Target, and various positions associated with California State University Fullerton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools to support client objectives.

Carlos Bernabe is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has previously worked at firms including LPL Financial LLC and Orange County’s Credit Union. Outside of his advisory role, he has worked as a caregiver providing support to family members. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad spectrum of clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and provides advisory services to registered investment companies and fund-of-funds.

Christopher Tavares is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2025 and previously held positions at Securities America Advisors, Securities America, Inc., LPL Financial, and OSAIC. Outside of his advisory work, he is involved in mortgage lending and insurance sales, including fixed insurance products and fixed life insurance and annuities. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with 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.

Daniela Fricke is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2024. She previously worked at Partners Federal Credit Union and LPL Financial LLC from 2007 to 2024. Outside of her advisory role, she owns and manages a small rental real estate business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, supported by a broad range of portfolio management styles and affiliated research.

Jiahui Xu is a financial advisor at Cetera with six years of industry experience. Xu has worked with several firms, including J.P. Morgan Securities and Wells Fargo, before joining Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

Eric Esparza is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has been in the industry since 2026, previously working at Wells Fargo Clearing and Wells Fargo Bank. His background includes roles outside finance, such as positions at the Riverside County District Attorney's Office and Petco Health and Wellness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.