Richard Higbee is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 66 designation and has worked at several firms, including UBS Financial Services, National Planning Corporation, LPL Financial, and Trilogy Financial Services. OSAIC Wealth serves a diverse clientele, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and third-party managers.

Dana Terry is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he advises his spouse on business decisions related to the manufacturing of green coffee bean powder and oil through a family-owned enterprise. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Nicholas Woravka is a financial advisor with Wells Fargo Clearing Services, LLC, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at UBS Financial Services and Wavecrest Holdings LLC, where he also served as a manager. He is involved in community activities as a board member of the Wave Crest Homeowners Association in Del Mar. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, supported by extensive research and analytics.

Karen Christiansen is a financial advisor with Ameriprise in Riverside, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise since 2000, including her current role since 2020. Outside of her advisory work, she serves as a paraplanner for Derek S Johnson, a franchise advisor. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and emphasizes the use of Ameriprise-managed accounts within its retirement planning approach.

James Lee is a financial advisor with LPL Enterprise in Irvine, CA, holding a Series 66 designation and 22 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he is an investor in Harbor Med Tech, a business entity unrelated to investment advisory services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Jose Triana is a financial advisor with Merrill based in Riverside, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he is also engaged in driving passengers and delivering food as part of a separate business activity. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Brown is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Riverside, California. He has been with Merrill Lynch since 1984 and has held roles including managing the Riverside and San Bernardino offices for 17 years. John is a qualified Portfolio Manager who provides traditional financial advice and builds personalized or defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party investment strategies. In the firm's Investment Advisory Program, he manages strategies on a discretionary basis. John holds a Bachelor of Science degree from San Diego State University and an MBA from Pepperdine University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include family wealth management strategies, services for endowments, foundations, and nonprofits, managing new wealth, personal retirement planning, and retirement income. Outside of his professional work, John is involved in the mountain communities where he resides and has previously served on the board for the Mountains Community Hospital Foundation. His personal interests include boating, gardening, and horseback riding.

Sasha Kottmeier is a financial advisor with UBS Financial Services in Irvine, CA, holding a Series 66 designation and having 26 years of industry experience. Kottmeier has been with UBS since 2005 and is also the sole owner of Anarchy Motorcycles, a business involved in buying and selling motorcycles, cars, and real estate. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, integrating proprietary research and model-based asset allocations to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

John Sloop is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2014. Outside of his advisory role, he works as a delivery driver for Grubhub and serves as a notary public in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory.

Leslie Asare is a financial advisor at LPL Enterprise with 14 years of industry experience. They hold Series 63 and Series 65 designations and have previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Leslie is involved as an insurance investment representative with several health insurance companies. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment implementation, offers financial planning and consulting, and facilitates access to third-party asset managers and insurance products through affiliated entities.

John Floryan is a CFP® with 14 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2020. His prior roles include experience at Unionbanc Investment Services, MUFG Union Bank, and Citigroup. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s approach emphasizes non-discretionary, written asset allocation advice supported by centralized due diligence and combines quantitative and qualitative research to develop customized investment solutions.

Michael Sepulveda is a Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2008 and brings over 17 years of experience in the financial services industry. Michael focuses on serving business owners and professionals, addressing their complex financial needs while balancing professional and personal goals. He holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. In his role, Michael provides discretionary management of custom investment strategies, utilizing Merrill Lynch model portfolios and third-party investment options. He leverages the investment insights of Merrill and the banking services of Bank of America to offer comprehensive financial solutions. His expertise encompasses college education planning, institutional investment consulting, retirement planning, portfolio management, and services tailored to foundations, non-profits, and small businesses. Michael lives in Riverside, California, with his wife Rachel and their two children. He is involved in community organizations including the Jurupa Valley Chamber of Commerce, Knights of Columbus Council 4793, Riverside Chamber of Commerce, and Southern California Youth Rugby. Additionally, he participates in the Susan G. Komen 3-Day For The Cure event. His personal interests include fishing, golfing, woodworking, baseball, boating, camping, football, gardening, hunting, and spending time with family.

Yen Chen is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. Chen has been with both Merrill and Bank of America, N.A. since 2016. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Randy Louie is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Woodbury Financial Services, Inc for 27 years. Outside of his advisory role, Louie coaches Muay Thai kickboxing classes several evenings per week at Mythic BJJ, a martial arts fitness gym. OSAIC serves both retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm employs a model-based investment process with asset allocation and portfolio optimization tools, supporting discretionary strategies and third-party manager selection.

Brenden Peterson is a financial advisor with Charles Schwab in Irvine, CA, holding a Series 66 designation and four years of industry experience. His prior work includes positions at Charles Schwab Bank, Chicago Title, MetLife, Montage Resorts, and Eugene Country Club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized operational and supervisory structures.

William Parton is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley and UBS Financial Services. Outside of advising, he manages several rental property ventures and serves as manager of a family LLC related to a vacation home. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory, offering both brokerage and advisory solutions.

Eric Glade is a financial advisor with Ameriprise in San Clemente, CA, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is a certified pickleball instructor and competitive player, though he has not yet provided lessons or earned prize money from tournaments. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service that supports its financial advisors.

Pedro Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach 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.

Curtis Rach is a financial advisor at Wells Fargo Advisors in Irvine, CA, with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he owns CRACH CONSULTING, providing consulting services for financial practices. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet net-worth thresholds, utilizing Wells Fargo research and tools to deliver customized recommendations.