Josue Martin Martin is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has worked with MassMutual Life Insurance Co and MML Investors Services since 2024. Prior to his current roles, he was employed at Iconix Fitness and Crescent Capital Group, LP, and has academic experience from Amherst College and Harvard-Westlake School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs and educational seminars, focusing on collaborative, goal-based planning without exercising investment discretion.

Lewis Le is a financial advisor with Merrill holding a Series 66 designation and 16 years of industry experience. He has been with Merrill and Bank of America since 2011. Merrill, along 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 developed by internal and third-party managers.

Lisa Chapman is a financial advisor with UBS Financial Services in Seal Beach, CA, holding the Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at UBS since 1990. Outside of her advisory role, Chapman serves on the board and finance committee of the Memorial Medical Center Foundation and mentors at-risk youth through Operation Jump Start in Long Beach, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and tailored portfolio management.

Pan Kwe is a financial advisor at LPL Financial with 32 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His career includes roles at Wescom Financial Services, Wells Fargo Investments, U.S. Bancorp Investments, and Cetera. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gerry Andrade is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 25 years of industry experience. He has previously worked at Avantax Advisory Services and Avantax Insurance Services, with a career spanning over three decades that includes running his own accounting and tax preparation business. Outside of his advisory work, Andrade operates a tax preparation and accounting firm. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to various investment strategies and third-party managers.

Joshua Kondo is a Series 66-licensed financial advisor with Wells Fargo Advisors. He has worked at Wells Fargo Advisors since 2021 and previously had a 19-year career in education spanning several schools and universities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including niche areas like business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Ralph Occhino is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 43 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1988 and serves as president of Ralph Occhino Inc., a support company providing services to his sole proprietorship. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using risk profiling and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Becky Tapper is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured financial planning process.

Michael Hardin is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services. His investment advisory practice focuses on delivering personalized strategies that address the unique ambitions and priorities of his clients. Michael’s areas of expertise include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, Managing New Wealth, and Portfolio Management Services. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California System.

Shawn Gruver is a CFP® with 23 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. His prior experience includes roles at UBS Financial Services and Morgan Stanley. Outside of his advisory work, he is involved in a hybrid control and motion planning business focused on dynamical legged locomotion and holds a royalty interest in his father's book. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Jaime Garcia is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked extensively in financial and tax advisory roles, including long tenures at Avantax and Investax-related firms. Garcia serves as a trustee for a family trust outside of his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and providing access to affiliated and third-party investment solutions.

Philip Blum is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. He holds Series 63 and Series 65 licenses and has 17 years of industry experience, all with Mass Mutual Investors Services and MassMutual Life Insurance Company. Blum is also involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on annual, collaborative client relationships using firm-approved analytical tools.

Michael Jowdy is a CFP® with 28 years of experience in the financial industry. He has worked at Wells Fargo Advisors since 2024 and previously spent 23 years at LPL Financial. Outside of his advisory role, he is a silent partner in a restaurant business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, allowing tailored recommendations delivered through meetings and written summaries.

Kevin Khu is a financial advisor with Charles Schwab in Torrance, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Citibank and Citigroup before joining Charles Schwab and Charles Schwab Bank in 2018. Outside of his advisory work, he occasionally broadcasts live gameplay on Twitch. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Michael Goguen is a CFP® professional with 22 years of industry experience. He has been with Edward Jones since 2004. Outside of his advisory role, he serves as Vice Chair of the Torrance Chamber of Commerce, overseeing membership renewals and subgroup meetings. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

Lazaro Osorio Pichinte is a Planning Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans, investment strategies, retirement, and income strategies. His approach emphasizes identifying client goals and fostering strong client relationships to achieve effective results. He has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative and Investment Consultant before his current position. Prior to that, he worked as a Client Services Associate at Royal Alliance Associates from 2021 to 2022. Lazaro holds a CA Insurance License. Outside of his professional work, Lazaro has interests in camping, cooking and baking, movies, parenthood, photography, and surfing.

Nadia Baig is the Vice President and Financial Consultant at Fidelity Investment, a position she has held since 2024. Prior to this role, she served as a Financial Consultant at Fidelity Investment from 2021 to 2024. Nadia's professional experience also includes positions as a Financial Consultant at ETRADE from 2020 to 2021, a Wealth Management Advisor at TIAA from 2017 to 2020, and a Financial Solution Advisor at Merrill Edge from 2015 to 2017. In her role, Nadia partners with clients to develop holistic financial plans that are customized to the unique goals and needs of each client and their family. She emphasizes the importance of understanding her clients thoroughly and conducting in-depth analyses to build tailored financial strategies aimed at achieving their desired lifestyles. Nadia holds a California Insurance License, which supports her work in providing financial and insurance-related advice.

Alfonso Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC and Essex National Securities, LLC. Outside of his advisory role, he is a part-owner of a horse racing venture in Inglewood, 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

Amy Kaufman is a financial advisor with LPL Financial in Cypress, CA, holding Series 63 and Series 66 licenses and having 20 years of industry experience. She has worked at several firms, including Meeder Advisory Services, Cetera, Summit Brokerage Services, and First Allied Securities. 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, utilizing a broad network of investment adviser representatives and employing various investment strategies, including model portfolios and third-party subadvisors.

Antonio Olvera is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to Cetera, he worked at AIG for two years and has held multiple roles within the Cetera network since 2023. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options and access to both affiliated and third-party money managers.