Richard Fernandez is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Shawn Price is a financial advisor with Edward Jones in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Alex Salas is an Investment Consultant currently with Fidelity Investments. In this role, Alex helps individuals and families develop personalized financial plans and investment strategies aimed at achieving their financial goals. Alex's professional experience includes serving as a Financial Representative at Fidelity Investments from 2022 to 2023, and as a Jr. Financial Advisor at One Pacific Securities from 2021 to 2022. Alex holds a California Insurance License. Outside of work, Alex enjoys running and snowboarding.

Fay Koh is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has been with Primerica Advisors since 2015 and is also affiliated with Bestow Inc. and New York University. Her activities include sales of investment-related products and referrals for home security and automation products through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Kay Bonadie is a Financial Consultant currently working at Fidelity Investments since 2019. Prior to this, Kay was a Financial Advisor at Morgan Stanley from 2015 to 2019. Kay is licensed with the California Insurance License. In her role, she focuses on building trust with clients to define their financial objectives, explore alternatives, and help choose strategies that align with their plans.

Ivan Flores is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank since 2011. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

James Dahl is a financial advisor with UBS Financial Services in Irvine, CA, holding a Series 66 credential and 26 years of industry experience. He has been with Painewebber Inc since 1999. Outside of his advisory role, Dahl serves on the boards of the Lake Arrowhead Yacht Club and the Cypress Community Association, and he is president of the Sigma Alpha Epsilon Orange County Area Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

David Streit is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with Mass Mutual Investors Services since 2013 and has been associated with MassMutual Life Insurance Company since 2010. Outside of his advisory role, Streit is a partner and business manager of Lost Cuban 2Go, a Cuban sandwich shop offering delivery and pickup services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to analyze client goals and deliver written recommendations.

David Miller is a CFP® professional with 17 years of industry experience, currently working at LPL Enterprise. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities. He serves as a board member for Outdoor Journeys, a nonprofit organization based in Angelus Oaks, CA. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by a platform that integrates financial planning, model portfolios, and third-party asset management.

David Covarrubias is a financial advisor at Fidelity with Series 66 and Series 63 credentials. He has prior work experience at JPMorgan Chase Bank and served in law enforcement with the Pasadena Police and California Highway Patrol. He has less than one year of industry experience in financial advising. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and it holds unique roles such as registration with the CFTC as a commodity pool operator and advisory responsibilities for multiple registered investment funds.

Ted Ostrowski is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals in providing comprehensive wealth planning and investment strategies tailored to clients' financial goals and needs. He is committed to delivering a great wealth planning experience for every client. Ted has extensive experience at Fidelity Investments, having progressed through various roles since 2012. His positions include Assistant Branch Manager from 2019 to 2020, Financial Consultant from 2015 to 2019, Investment Consultant from 2013 to 2015, and Financial Representative from 2012 to 2013. He holds a California Insurance License. Outside of his professional responsibilities, Ted has personal interests that include baseball, fishing, football, golf, hiking, and parenthood.

Rigo Fernandez is a Financial Consultant currently working at Fidelity Investments since 2020. He has over a decade of experience in the financial services industry, having held roles such as Senior Financial Consultant at TD Ameritrade (2019-2020), Financial Solutions Advisor at Merrill Lynch (2013-2017), and Financial Advisor at Wescom Credit Union (2003-2013). Earlier in his career, he also worked as a Business Account Manager at Verizon from 2017 to 2019. Fernandez specializes in working closely with clients to understand their financial goals and overall financial situation. He collaborates with clients to create tailored financial plans, analyzing their current status and identifying opportunities to better position their plans towards achieving these goals. He holds a California Insurance License. Outside of his professional work, Fernandez has interests in baseball, parenthood, and traveling.

Jose Gonzalez Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options and support from in-house and third-party research.

Robert Sales is a financial advisor at Fidelity with Series 66 credentials and one year of industry experience. His background includes roles at Fidelity Investments and the Office of Financial Aid & Scholarships at California State University, San Bernardino. Outside of his advisory work, he has been involved with VITA CSUSB, a volunteer income tax assistance program. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Yerel Morales is a financial advisor with J.P. Morgan Securities and holds Series 65 and Series 66 licenses. Morales has 13 years of industry experience and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2017. Outside of advisory services, Morales is an owner and partner of North Star Procurement Group, LLC, a business specializing in government procurement. J.P. Morgan Securities LLC 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.

Suthipong Chitrathorn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 22 years of industry experience. He has been affiliated with Cetera Wealth Services and Cetera Investment Advisers LLC since 2025 and is also the founder and owner of Plan with Bob. Outside of his advisory role, Chitrathorn is an author of several books including the "Drive to Success" series, "Dare to be Authentic," and "Success Manifesto." Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and a multi-manager platform that allows advisors to implement various model portfolios, third-party strategies, and bespoke investment solutions.

Erica Vasquez is a financial advisor with Merrill in Rancho Cucamonga, CA, holding a Series 66 designation and with nine years of industry experience. She has worked at Merrill since 2012 and is also affiliated with Bank of America, N.A. since 2021. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Gary Lam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Wells Fargo Bank, J.P. Morgan Securities, UnionBanc Investment Services, and Union Bank. Outside of finance, he has been involved with Dang Pharmacy Group, Inc. and San Gabriel Medical Pharmacy. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Denise De La Torre is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley, Bank of America, Merrill, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 additional market-facing registrations and functions.

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.