David Lacroix is a financial advisor at OSAIC with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, UBS Financial Services, and Merrill. Outside of his role at OSAIC, he is the owner and CEO of Lacroix Wealth Management, an independent advisory firm where he provides investment advice and financial services. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager selections.

John Yoshida is a financial advisor with Ameriprise in Venice, CA, holding a Series 63 designation and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns Kensuo LLC and engages in independent insurance brokering with several life insurance companies. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice, supported by a centralized consulting team and algorithmic tools.

Ben David is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of experience as a financial advisor and has worked with MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver recommendations.

Jerame Tillman is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Charles Schwab and Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2022. Prior to his career in finance, he was involved in the hospitality industry, working at Second Story Liquor Bar and The Handlebar Tempe. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Ping Shuang Wu is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 19 years of industry experience. Wu has worked at Cetera since 2013 and previously at UBS Financial Services and East West Bank. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and managing over $256 billion in assets.

Ligaya Guderian is a financial advisor with Morgan Stanley in El Segundo, CA, holding a Series 66 designation and 10 years of industry experience. Her career includes multiple tenures at both Morgan Stanley and RBC Capital Markets between 2015 and the present. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured discovery processes and advanced planning tools, offering tailored financial plans without individual security recommendations as part of standalone planning.

Justin Chamberlain is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, First Republic Investment Management, and Citibank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and models.

Mark Van Norman is a financial advisor at Edward Jones in El Segundo, CA, with six years of industry experience. He previously worked at Ameriprise Financial Services and has a background including roles at Slingshot Power and The Pack America. Van Norman is a member of the Riviera Governance Council, which oversees administrative policies for Riviera United Methodist Church in Redondo Beach, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of financial advisors. The firm offers a range of investment advisory programs and affiliated financial products, operating under a fiduciary standard.

Trang Tran is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and bringing nine years of industry experience. Prior to joining RBC in 2021, Tran worked at Merrill from 2019 to 2021 and at JP Morgan Securities LLC and JPMorgan Chase Bank from 2013 to 2019. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations. The firm provides a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ advisory risk profiles.

Ryan Onishi is a financial advisor with Ameriprise in El Segundo, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, Onishi is involved in several business ventures including co-ownership of specialty food stores, investment in a tele-health startup, and ownership of a fishing website. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven, non-discretionary recommendations with a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Bren Grand Pre is a financial advisor at J.P. Morgan Securities in El Segundo, CA, holding Series 63 and Series 66 licenses with six years of industry experience. Prior to joining J.P. Morgan in 2021, Bren worked at Wells Fargo Bank and Wells Fargo Clearing Services from 2017 to 2021 and had earlier roles at Bank of America and Road Runner Sports. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Sunny Kang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 19 years of industry experience. Before joining Wells Fargo in 2025, Kang worked at Bank of America, Merrill, and UnionBanc Investment Services. Kang also receives passive residual income from acting roles performed in the past. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research and analytics to support diversified investment strategies.

Robert Porter is a financial advisor with Morgan Stanley in El Segundo, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and services supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Florence Ann Erazo is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Blake Curtin is a CFP® professional with three years of experience in the financial services industry. He is currently with Morgan Stanley and has previously worked at Mariner Independent Advisor Network, LPL Financial, LLC, and Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs supported by structured planning tools and firm-backed investment models.

Rebecca Dreyer is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Merrill, Morgan Stanley DW Inc., and Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies across various allocation approaches.

Sean Patikas Hunter is a financial advisor at Ameriprise with 26 years of industry experience. He holds the Series 66 designation and previously worked at LPL Financial and Kinecta Financial & Insurance Services for 22 years. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing annual advice focusing on income sources and tax-aware withdrawal strategies.

Vicki Patman is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. She previously worked at Merrill for 19 years before joining Wells Fargo Clearing in 2016. Patman serves as a board member of the North Grenich Village Homeowners Association in Hermosa Beach, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michelle Nuttman is a Series 66-credentialed financial advisor with 22 years of industry experience, currently with Wells Fargo Advisors since 2019. She previously worked at Wells Fargo Clearing and Cetera Wealth Services, LLC. Outside of her financial advisory work, she serves as a notary public and assists with exercising and training horses in a self-employed capacity. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk management, and specialized services such as business-owner transition and divorce planning. The firm integrates advisory services with other financial products and referral channels through a network of over 4,000 advisors.

Stephanie Lundy is a Financial Consultant at Fidelity Investments. In her current role, she collaborates with clients and their families to co-create and implement financial plans aimed at achieving their financial goals. Stephanie has held multiple positions at Fidelity Investments since 2020, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. This range of experience supports her expertise in financial consulting and investment planning. She holds a California Insurance License.