Patrick Lizza is a financial advisor with UBS Financial Services in Indian Wells, CA, holding a Series 66 designation and 14 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the Golf Tournament Committee for the Boys and Girls Club of Coachella Valley as Tournament Prize Chairman. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and lending programs.

Hector Marcia is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at TD AMERITRADE and Bank of America. Outside of his advisory role, he runs a YouTube channel focused on investing as a personal hobby. 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 blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Kenneth Powers is a financial advisor with UBS Financial Services in Palm Springs, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS Financial Services since 1995. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Thomas Birk is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors, LLC. 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, including specialized areas such as business-owner transition planning and special-needs analysis.

Ruth Lazarski is a financial advisor at UBS Financial Services with 18 years of industry experience. She has held roles at both UBS and Merrill, working at Merrill for 14 years before joining UBS in 2022. Outside of her advisory work, she is involved in a construction company, Hill Crest Construction, LLC, where she performs light administrative duties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances.

Robert Carty is a financial advisor with Mass Mutual Investors Services in Palm Desert, CA, holding Series 63 and Series 66 licenses and 32 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual since 2009. Outside of his advisory role, he is involved in individual and group life and health insurance sales. Mass Mutual Investors Services, LLC 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 software and collaborative annual planning processes.

Thomas Nixon is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2010, also working with Morgan Stanley Private Bank, National Association since 2015. He is based in Palm Desert, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm employs structured planning tools and analytics to support its advisory services, managing approximately $2.74 trillion in client assets.

Tamara Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 23 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Jon Marc Blalock is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management strategies tailored to the individual needs of his clients. He works closely with individuals, families, and businesses to help grow and preserve their wealth through customized planning and intergenerational guidance. Jon Marc’s approach emphasizes understanding clients’ life priorities to create personalized financial plans that reflect their goals and aspirations. Since beginning his financial services career in 2014, Jon Marc has developed expertise in areas including college education planning, employee benefits, family wealth management, retirement planning, and socially responsible investing. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) credentials, which support his work providing fiduciary services and retirement plan consulting. Jon Marc holds a bachelor’s degree in Global Studies from the University of California, Santa Barbara. A native of the Coachella Valley, he has been active in his community through volunteer work and service, including a tenure on the Board of Directors for The Living Desert Zoo & Gardens. Outside of his professional pursuits, Jon Marc enjoys cooking, football, and golfing.

Nicholas Darrin is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing and Wells Fargo Bank prior to joining Schwab. He serves as an advisory member for College of the Desert, providing annual input on business education initiatives. Charles Schwab serves a large client base including high- and ultra-high-net-worth individuals, offering both non-discretionary and discretionary advisory services through its Schwab Wealth Advisory program. The firm integrates brokerage, custody, and advisory services with a multi-asset investment approach supported by centralized operations and alternative investment offerings.

Gary Shelton is a financial advisor with LPL Financial in La Quinta, California, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at LPL Financial since 2009 and has been associated with Onb Trust Company since 1995. Shelton also serves as a vice president at Old National Bank, a financial institution role unrelated to investment advisory activities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with advanced research and operational tools.

Frederick Hoffman is a financial advisor at LPL Financial with 28 years of industry experience. He has held positions at Invest Financial Corporation and Transamerica Financial Advisors prior to joining LPL Financial in 2018. Hoffman holds Series 63 and Series 65 licenses and is based in La Quinta, California. Outside of his advisory work, he owns and administers Life Brokerage, Inc., a firm providing fixed insurance products including life, health disability, and long-term care insurance. 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 services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with research tools and a broad suite of financial products.

Charles Lipson is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining RBC in 2022, Lipson worked at Bank of America and Merrill. He serves as an at-large member on the board of directors for the Mission Hills East Homeowners Association. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Phillip Tanner is a Certified Financial Planner® (CFP®) with 10 years of industry experience. He is currently with UBS Financial Services and has previously worked at firms including United Capital Financial Advisers, Cetera Advisor Networks LLC, LPL Financial, Jensen Wealth Advisors, and Girard Securities. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Christine Frikken is a financial advisor with Morgan Stanley in Palm Desert, CA, holding a Series 66 designation. She has been with Morgan Stanley Smith Barney LLC since 2026 and previously worked at Nia Growth from 2022 to 2024. Outside of her financial advisory role, she has been involved with Fury Coaching since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Diane Valenzuela is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 1994, focusing on delivering a consistent and customized wealth management experience. Diane works with families to integrate and coordinate all aspects of their lifestyle with their finances, aiming to provide a structured and simple process for managing complex financial lives. Her expertise includes family wealth management strategies, personal retirement planning, portfolio management services, services for defined benefit plans, LGBT wealth planning, small business strategies, women and wealth, and tax minimization. Diane holds the Personal Investment Advisor (PIA) designation and is fluent in both Spanish and English. Diane is actively involved in her community through organizations such as Dream Volunteers, Inland Empire Community Foundation, One Future Coachella Valley, and the Cherie Blair Foundation. Outside of her professional activities, she enjoys cooking, traveling, and spending time with her family. She and her husband have been involved since 2008 in traveling to third world countries to support youth through mentorship and scholarship programs.

Thomas Prentice is a financial advisor at RBC Capital Markets with 46 years of industry experience. He holds the Series 63 and Series 65 designations and has been with RBC Capital Markets and City National Bank since 2016. Outside of his advisory role, he actively maintains a ranch in Thermal, California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and implements portfolios through both in-house and third-party investment managers, providing tailored strategies based on each client’s risk profile.

Mary Wright is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Robert Cummins is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He previously worked at UBS Financial Services from 1991 to 2025 before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Elizabeth Hammer is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at JP Morgan Chase Bank, Bank of America, and Merrill. Prior to her financial services career, she was employed at Orangetheory Fitness and Ulta Beauty. 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 large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.