Patrick Mendoza is a financial advisor at Osaic with four years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Mariner Independent Advisor Network, LPL Financial, and Western University of Health Sciences. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and third-party managed strategies.

Susan Outzen is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning services that utilize firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides planning through both direct and employer-sponsored agreements.

Aaron Blackfelner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Flagstar Bank and JPMorgan Chase. Outside of advising, he operates an independent travel agency booking custom travel experiences. 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 Castro is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes roles at Cetera, UnionBanc Investment Services, and an 11-year tenure at Caliber Picture Framing. He is involved in several business activities outside of advisory work, including an insurance agency and tax and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions and supports advisors with advanced research and operational tools.

Bo Li is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work history including roles at Oceane Media LLC and Castleton Education Group Inc. Outside of advisory services, Li serves on the board of directors for Pathway Christian Board and is involved in business ownership related to real estate. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ally Li is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. Her work history includes roles at Wells Fargo Bank, JP Morgan Chase Bank, and J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, applying research and analytics alongside diversification principles and modern portfolio theory.

Maria Bermejo Gutierrez is a financial advisor at Merrill with 8 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2008. 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 plans, corporations, and charitable organizations.

Hilary Campbell is a financial advisor at Osaic with 33 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Securities America Advisors Inc, Raymond James Financial, Morgan Stanley, Citigroup Global Markets, and Deutsche Bank Securities Inc. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences Inc., participating in training and video production activities. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization supported by risk tolerance assessments and rebalancing tools, with options for discretionary management, client-imposed restrictions, and third-party manager selection.

Joseph Micalizzi is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 designations and over 32 years of industry experience. He has been with Primerica Advisors since 1994 and with Primerica Financial Services since 1993. His other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients, offering model-driven portfolio management with support from third-party asset managers and custodians. The firm operates at scale with thousands of advisors and offices, managing approximately $15.5 billion in assets.

Derek Wilson is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 17 years of industry experience. Prior to joining LPL in 2024, he worked at Lincoln Financial Securities Corporation for five years and Nationwide Securities, LLC and Nationwide Financial for eight years each. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolio programs, and third-party asset management through a large network of investment adviser representatives.

Justin Harmier is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. His prior work includes roles at J.P. Morgan Securities, Chase Investment Services Corp., and Merrill. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to evaluate investment options within custodial platforms.

Rene Ventura is a Planning Consultant at Fidelity Investments, where he works with clients and their Wealth Management teams to create and implement comprehensive financial plans tailored to individual financial needs. He has served in this role since 2025. Prior to joining Fidelity, Rene was a Senior Branch Premier Banker at Wells Fargo Bank, N.A. from 2012 to 2024, gaining extensive experience in banking and financial services. Rene holds a California Insurance License, supporting his ability to address various aspects of financial planning. Outside of his professional responsibilities, he spends time engaged in family activities, social events with friends, golf, movies, parenthood, and soccer.

Veronica Pfohlman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. She has been with Primerica Advisors since 2025 and has a background that includes roles in education and tax preparation. Outside of her advisory work, she has experience in educational and tutoring services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee its investment offerings.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Bevan Poyyak is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and Partners Federal Credit Union during his career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to develop model asset allocations and incorporates ESG considerations within an eligible strategies framework.

Keith Carr is a Financial Consultant I at Fidelity Investments, where he focuses on understanding the needs of clients and their families to develop aligned financial plans. He has been with Fidelity Investments since 2021, initially serving as a Planning Consultant before assuming his current role in 2026. Prior to joining Fidelity, Keith worked as a Premier Banker at Wells Fargo from 2008 to 2021. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, Keith has personal interests that include attending concerts, fishing, football, golf, music, and outdoor adventures.

Jonathon Gonzales is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Chase Investment Services Corp. Outside of advising, he maintains ownership of an LLC established for holding title to a vessel. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics to support its investment approach.

Joseph Trabert is a financial advisor at Osaic with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America, Inc. for 16 years. He is also president of Kei Financial, where he is involved in insurance sales and risk analysis as part of comprehensive financial planning. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and diverse product offerings.

Whitney Zick is a Wealth Management Advisor specializing in personalized financial planning to assist clients in achieving their financial goals. She has been active in the banking and wealth management industry since 2008, focusing on creating strategies that align with the priorities of individuals, families, and businesses. With over 15 years of experience, Whitney provides guidance that extends beyond portfolio management, including retirement planning, risk management, and wealth preservation. She holds a Bachelor of Arts degree in Finance from California State University of San Bernardino and has earned the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA) designations. In addition to her professional work, Whitney serves on the board of the Redlands Area Panhellenic Association and is an active member of the American Association of University Women and the Children's Fund. She enjoys traveling and spending time with her family in her personal time.

Trenton Hinely is a financial advisor with LPL Financial based in Anaheim, CA. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Public Legacy and Hurley, as well as positions outside finance such as with Cavalry Ambulance and Buffalo Wild Wings. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and operational tools.