Lois Yim is a CFP® professional with 12 years of experience in the financial industry. She currently works at OSAIC and has prior experience at Sagepoint Financial, Inc., J.P. Morgan Chase Bank, and J.P. Morgan Securities. Outside of her advisory role, she is a notary public and a member of the nonprofit organization Revaya Legacy Inc. OSAIC serves a broad client base including individual, high-net-worth, pension, and charitable clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with diversified investment options, using firm-provided tools for asset allocation and portfolio management.

Stephen Ng is a financial advisor with Osaic Wealth, Inc. in Springfield, NJ, holding the ChFC® designation and Series 63 and 65 licenses. He has 34 years of industry experience, including 14 years at SagePoint Financial, Inc. He is the owner of Genesis Financial Strategies, Inc. and Stephen Ng Financial Group LLC, which work on life and health insurance cases, and serves on the board of trustees for Doxa Church, a 501(c)(3) organization. Ng is also the author of *10 Financial Mistakes You Should Avoid: Strategies Designed to Help Keep Your Money Safe and Growing*. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm uses firm-provided tools for asset allocation and portfolio construction across various asset classes, managing accounts on discretionary and non-discretionary bases.