Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has also worked at Bank of America, N.A. for ten years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jacob Herrera is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies aimed at achieving their financial goals across short, mid, and long term horizons. His services include guidance on general investing, retirement planning, and saving for unexpected events. Jacob also facilitates access to Bank of America specialists in areas such as banking, credit, home financing, and small business solutions. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Jacob earned a Bachelor's Degree from the University of Arizona. He offers financial advising services in both English and Spanish.

Kyle Standafer is a financial professional with five years of industry experience, currently affiliated with Cetera. He holds the Series 66 credential and has worked at firms including North Star Resource Group and Minnesota Life Insurance Company. Outside of his financial advisory role, he owns JWK Exotics, a business focused on automotive photography and sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting various investment strategies and program structures.

Christopher Ilgenfritz is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 15 years of industry experience. His career includes roles at Bank of America, Merrill, and J.P. Morgan Securities. Merrill, together 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anil Madhyanam is a financial advisor with LPL Financial holding a Series 66 designation and eight years of industry experience. He has worked at several firms including Golden1 Credit Union, B.B. Graham & Company, Inc., Ameriprise, and Sagepoint Financial. Anil currently operates under the Golden1 Investment Services trade name. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party resources.

Alyssa Yu is a financial advisor at Morgan Stanley in Brea, CA, holding a Series 66 credential with six years of industry experience. Her prior work includes roles at EnGenius Technologies, Inc., Macy’s, and Spigen Inc. Alyssa has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research-driven investment insights in its advisory process.

He Fu is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held roles at Bank of America, Merrill, and Quest Capital Strategies. Outside of his advisory work, he is an officer and investor in Y-NUT Inc., a company selling goods on Amazon. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Hailee Allen is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she worked at Pennymac Financial Services and has a varied background that includes roles in entertainment and content creation. Outside of advising, she creates content on platforms such as TikTok, YouTube, and Twitch, and is involved in entertainment events as an independent contractor. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Kenneth Eversfield is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He previously worked at Western International Securities, Inc. and D.A. Davidson & Co. Eversfield also operates Arrowhead Wealth Advisors, a business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supported by model portfolios and research from LPL Research and third-party subadvisors.

Falguni Patel is a financial advisor with Merrill based in Ontario, California, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Patel has been with Merrill since 2005. Outside of advising, Patel is a co-owner of a family rental property in Piscataway, New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Philip Bryan Jalad is a financial advisor with Primerica Advisors in Covina, CA, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Financial Services since 2023 and has a background that includes over a decade with T-Mobile USA. Outside the financial industry, he owns and manages BYHZE, LLC, a non-investment-related business. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients, through a wrap-fee asset management program. The firm utilizes model-driven investment strategies created by unaffiliated asset managers and offers discretionary separately managed accounts with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Jamie Brown is a financial advisor at Raymond James Financial with one year of industry experience. He holds Series 63 and Series 66 licenses and has prior experience with New York Life Insurance Company and American Income Life. Outside of his advisory role, Brown has been involved with IHSS since 2020. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports its clients through advisory programs and partnerships in specialized areas such as municipal finance.

Michelle Chung Hui Lai is a CFP®-certified financial advisor with J.P. Morgan Securities, bringing 15 years of industry experience. She has been with J.P. Morgan Securities and its affiliated entities since 2014. 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 team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities.

Ronald Owen is a financial advisor with J.P. Morgan Securities in Chino, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Merrill Edge and Northwestern Mutual, as well as service in the U.S. Navy. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a selective group of Wealth Advisors. The firm employs a quantitative asset-allocation process combined with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Lake Robinson is a financial advisor at Fidelity with Series 65 and Series 66 credentials and four years of industry experience. His prior work includes positions at Ameriprise and Equitable Advisors, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund and model portfolio strategies.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Richard Felling Jr. is a financial advisor with Equitable Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he operates a tax and accounting services business as a CPA and serves as co-trustee and successor trustee for family trusts. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage channels to implement client recommendations.

Dyllon Whitaker is a financial advisor with Primerica Advisors in Upland, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2013 and is also involved with Tristar Marketing Systems since 2018. Outside of his advisory role, he engages in sales of loan products and home-related services through affiliated companies. 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 account options under a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors.

Timothy Burns is a financial advisor with Cetera and holds a Series 66 designation, bringing 22 years of experience in the industry. He has previously worked at Avantax Insurance Services and 1st Global Advisors, and he also owns Burns & Johnston CPAs, where he practices as a CPA, handling tax preparation and business advisory services. Additionally, he operates Burns Financial Services, focusing on investment-related client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Michael Crean is a financial advisor with LPL Financial based in Upland, CA, holding a Series 66 designation and having 10 years of industry experience. He previously worked at California Financial Partners, Inc. for a combined total of 11 years, including a period from 2012 to 2020 and again from 2020 to 2023. Outside of his advisory role, he is associated with 39 North Inc., a non-investment business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various financial planning and advisory programs, employing both discretionary and non-discretionary management and providing access to model portfolios, research, and advanced technologies.