Ligaya Choo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 5 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2021, following a 29-year tenure at JPMorgan Chase Bank, N.A. Prior to her current role, she accumulated extensive experience within the same organization. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities, operating with a non-discretionary program that relies on an in-house manager solutions team and a centralized due-diligence framework.

Muhammad Merchant is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America and Merrill. Prior to his financial services career, he was involved in business operations with Momac Mex Inc and Momac Inc dba Subway. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a quantitative asset-allocation process combined with centralized manager due diligence and an ESG eligibility framework.

Haiyan Xu is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined the Waarbroek-Lin Group in 2018 and supports clients in various aspects of their financial lives, including portfolio management, personal retirement planning, corporate benefits, family wealth management strategies, and international wealth management. Her responsibilities also involve managing corporate retirement plans and serving client segments such as women and wealth. Haiyan holds a bachelor's degree in Applied Mathematics from the University of California, Los Angeles, and a Master of Science in Applied Finance from Pepperdine University. She has professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill, Haiyan worked with LPL Financial. She is proficient in English and Mandarin. Outside of her professional work, Haiyan enjoys hiking, swimming, traveling, and supporting charity events.

Debbie Huang 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 firms including Morgan Stanley and New York Life Insurance Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG framework to recommend approved funds and strategies.