Deborah Ames is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been with Primerica Advisors since 2014 and Primerica Financial Services since 2013. Outside of advisory services, she is involved in the sale of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and separately managed account options to individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Larry Hoatson is a financial advisor with OSAIC based in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Signator Investors, Inc. and serves as president of Pacific Wealth Strategists, Inc., where he also provides financial advice. Larry is also an independent insurance agent, soliciting and servicing fixed insurance contracts. OSAIC serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Luminita Mora is a financial advisor with Cetera, holding two years of industry experience. She previously worked for Dennis G Phillips & Associates Inc for 17 years and currently serves as CEO of that firm, where she is involved in tax preparation and supervision. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, with a reported $256 billion in assets under management and over 10,000 advisors nationwide.

Xavier Zamora is a financial advisor with Thrivent Investment Management in Moreno Valley, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at LPL Financial and Cetera. Outside of advisory work, he is involved with Blackstone Consulting Inc., a non-investment-related business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering holistic, goal-based analyses without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Carlos Almazan is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes seven years with CUNA Brokerage Services, INC and ongoing work with SchoolsFirst Federal Credit Union since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of services including financial planning, third-party asset management programs, and institutional platforms, combining advisory and non-advisory financial activities across multiple sectors.

Carolyn Matson is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. She previously worked at National Planning Corporation before joining LPL Financial in 2017. Outside of her advisory role, she serves as a member at large for the Steven G. Mihaylo Big Bear High School Education Foundation and co-owns Matson Development Corp. 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. The firm offers a range of investment programs and uses various research tools to support advisors in delivering customized and model portfolio strategies.

Richard Mast is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since the early 2000s. Outside his advisory roles, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies overseen by third-party managers and supports a broad network of nearly 3,700 advisors with about $15.5 billion in assets under management.

David Altman is a financial advisor at Stifel with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co since 2016. His prior experience includes roles at Morgan Stanley and its affiliates from 1998 to 2016. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, providing capital market analysis and asset allocation guidance.

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.

Dashan Hayhurst is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank since 2016, following a prior role at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research and incorporates ESG considerations within a broader range of investment strategies.

Matthew Smith is a financial advisor with Edward Jones in Yucaipa, CA, holding a Series 66 designation and one year of industry experience. Before joining Edward Jones, he worked in real estate with Realty Masters & Associates and Keller Williams Realty. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

William Gray III is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with LPL Financial since 2003. Additionally, he provides notary services exclusively for clients without charge. 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 a range of advisory and brokerage services, including financial planning and multiple investment management options tailored to client needs.

Anthony Phillips is a financial advisor with LPL Financial in Calimesa, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved in selling fixed insurance products through a related business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Jonathan Casaus is a financial advisor at Edward Jones in Redlands, CA, holding a Series 66 designation. He joined Edward Jones in 2026 and has prior experience at Family Tree Realty & Investments Inc, Sherfab Unlimited Inc, and Provident Savings Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a large nationwide network of financial advisors and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Andy Samaan is a financial advisor with J.P. Morgan Securities in Yucaipa, California, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked at various J.P. Morgan entities since 2009 and is currently a silent partner at ALE Fresno 2 Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating ESG frameworks and supporting implementation through affiliated entities.

Nicole Fernish is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has been with Fidelity Investments since 2012, progressing through roles including Financial Representative and Investment Consultant. Prior to joining Fidelity, she was a Registered Representative at Charles Schwab from 2011 to 2012. Nicole emphasizes building trusting relationships with her clients by creating and implementing financial goals and providing education in financial planning. She holds a California Insurance License, supporting her ability to serve clients in various aspects of their financial needs.

Richard Lopez Jr. is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has worked at Bank of America, N.A. since 2024 and has prior experience at California State University, San Bernardino and San Bernardino Valley College. 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, and various institutions.

David Miller is a CFP® with 17 years of industry experience. He is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities, Cuso Financial Services, and Waddell & Reed. He serves as a board member for Outdoor Journeys, a nonprofit organization based in Angelus Oaks, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is primarily model-driven, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Imran Lakhany is a financial advisor with Fidelity Investments, holding a Series 66 license and eight years of industry experience. His prior work includes positions at UnionBanc Investment Services, LLC, Edward Jones, and a publishing company called Edoc Publish. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on discretionary portfolio management, fund advisory, and systematic portfolio construction using proprietary research and algorithmic methods.

Amy Cranfill is a financial advisor with Stifel in Redlands, CA, holding a Series 66 designation and nine years of industry experience. She has been with Stifel Financial since 2016. Cranfill serves on the boards of several local organizations, including Redlands Sunrise Rotary, Redlands Chamber of Commerce, and Redlands Community Foundation. Stifel serves a diverse client base, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.