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.

Jeffrey Malaterre is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including ABN Financial Group and Bankers Life and Casualty. Outside of his financial career, he has written a book. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

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.

Santiago Arreola Marcial is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill since 2018 and previously held positions at Instacart and Farmers and Merchants Bank of Central California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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.

Nicolas Alamillo is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He collaborates with individuals to develop customized financial plans tailored to their unique situations and goals. His work focuses on retirement planning, income strategies, and tax-efficient investing. Nicolas has accumulated experience within Fidelity Investments through various roles, including Investment Consultant (2025-2026), Planning Consultant (2022-2025), and Relationship Manager (2021-2022). He holds a California Insurance License.

Steven Delpino is a financial advisor at Edelman Financial Engines in Anaheim, CA, holding Series 65 and Series 63 licenses with three years of industry experience. His work history includes roles at Edelman Financial Engines and The Vanguard Group, as well as a brief period at Lyft, Inc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process paired with planner delivery and online tools, offering diversified portfolios, rebalancing, and a long-term investment orientation.

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.

Erin Goodrich is a Wealth Management Advisor at Merrill Lynch Wealth Management who works primarily with business owners and their families. She helps clients understand the integration of their business and personal finances, especially in complex or interconnected financial decisions. Erin's expertise includes investments, banking and lending, cash flow planning, tax-aware strategies, and evaluating business investment decisions. She collaborates closely with clients' CPAs, attorneys, and other advisors to align financial strategies with clients' goals. She holds a Master of Science in Financial Planning from the College for Financial Planning and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor® (CEPA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Erin is experienced in assisting business clients through all stages of business ownership, focusing on planning for business succession and estate strategies. Outside of her professional work, Erin is involved with community organizations such as the Cal State Fullerton Children's Center, Epilepsy Connection, Friends of Joshua Tree, and Girl Scouts of Orange County. Her personal interests include camping, cooking, hiking, painting, photography, reading, rock climbing, spending time with family, and writing.

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.

John Lentz is a financial advisor with Morgan Stanley in Santa Ana, CA, holding a Series 63 designation and bringing 60 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individuals and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Nicolas Culver is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with various entities within the J.P. Morgan organization since 2014 and is also associated with The Culver Trust DTD. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and includes a broader range of regulatory registrations compared to many institutional programs.

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.

Daniel Ketchum is a financial advisor with Raymond James Financial in Santa Ana, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Raymond James Financial Services since 2004. Ketchum also participates in third-party research within the 401(k) plan space through occasional surveys for financial services firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports various advisory programs and institutional portfolio management.

Tony Ly is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and U.S. Bancorp Advisors, LLC, with his current tenure at J.P. Morgan Securities beginning in 2016. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with additional portfolio services provided by affiliated entities.