David Cherbak is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Bank NA since 2004 and joined Wells Fargo Clearing in 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for a family-related investment trust. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Diana Lin is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She collaborates with clients to develop plans aimed at enhancing their financial well-being, focusing on wealth planning, retirement planning, and income protection. Prior to this, she held positions at Fidelity Investments including Relationship Manager from 2024 to 2025 and Financial Representative from 2023 to 2024. She began her career as a Preferred Banker at First Republic Bank between 2021 and 2023. Diana is licensed to sell insurance in California, holding a CA Insurance License. Outside of her professional work, she has interests in fitness, hiking, music, outdoor adventures, reading, and scuba diving.

Robert Linzay is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise in various capacities since 2015. Outside of his advisory role, he coordinates and facilitates financial education programs at his local church. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Eunsun Kim is a financial advisor with RBC Capital Markets based in Los Angeles, CA, holding a Series 66 license and having 37 years of industry experience. Prior to joining RBC Capital Markets in 2019, Kim worked at UBS Financial Services from 2011 to 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Victoria Sierra is a CFP®-designated financial advisor with 13 years of industry experience, currently with Cetera since 2019. She previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of advising, she is a certified yoga instructor at CorePower Yoga. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, retirement services, and access to third-party money managers.

John Juarez is a Series 66-credentialed financial advisor with Edward Jones in Glendale, CA, where he has worked since 2012, accumulating 13 years of industry experience. Outside of his advisory role, he provides mediation and conflict resolution services focused on divorce and family matters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs, including discretionary and non-discretionary strategies, with approximately $1.01 trillion in assets under management.

Eric Ma is a financial advisor at Cetera with 20 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Cetera in 2022, he worked at U.S. Bancorp Investments, HSBC Securities (USA) Inc, Wells Fargo Advisors LLC, and Wells Fargo Bank. Cetera Investment Advisers LLC is an SEC-registered firm that 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, employing a multi-manager platform with various program structures and investment options.

Jiaoling Cai is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She has worked at JP Morgan Chase Bank and JP Morgan Securities since 2019 and previously held roles at Unionbanc Investment Services and MUFG Union Bank from 2016 to 2019. Cai holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm offers services on a non-discretionary basis, with client decision-making authority retained.

Argam Aghazarian is a financial advisor with Thrivent Investment Management based in Glendale, CA, holding Series 63 and Series 66 licenses with 11 years of industry experience. He has worked at Thrivent Financial and its affiliated entities since 2018, following prior roles at Eagle Strategies, NYLIFE Securities, and New York Life Insurance. Outside of his advisory role, he manages a rental property in Downtown Los Angeles. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses across various planning topics. The firm offers these services through a network of financial advisors without discretionary trading authority, emphasizing planning delivered separately from managed-account programs.

Manuel Chinchay is a CFP® and holds a Series 66 license with 15 years of industry experience. He is currently with LPL Financial and has previously worked at FSC Securities and The Advisory Group. Outside of advisory work, he is involved in non-variable insurance activities. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Taras Polakoff is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His background includes roles at LPL Financial, the City of Irvine, and Premier Aquatic Services LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Gregory Dobbs is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 66 designation and previously worked at HUB International for two years before joining UBS in 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Melissa Phillips is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including seven years at Morgan Stanley Private Bank, N.A. Based in Los Angeles, she also manages a sole proprietorship involved in real estate property management. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized investment offerings.

Jose Ching is a financial advisor with Ameriprise in Monterey Park, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies.

Junko Nagai is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. She has worked at LPL Financial since 2023 and has concurrent experience at BancWest Investment Services and Bank of the West since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research and model portfolios, providing both discretionary and non-discretionary management.

Trevor Kleineahlbrandt is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Western International Securities, Inc. for 23 years. He serves on the board of directors for Lytle Creek Firing Line, a non-investment-related organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios, serving both discretionary and non-discretionary management needs.

Jason Pugmire is a financial advisor at Charles Schwab in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles in surgical esthetics and retail, as well as involvement with the CSUN VITA program. Charles Schwab serves a large client base of 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 offers both non-discretionary and discretionary investment guidance employing multi-asset model portfolios and centralized operational support.

Nicholas Smith Sr. is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. He has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018, and previously at City National Bank from 2015 to 2018. J.P. Morgan Securities LLC 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 eligibility framework.

Zachary Ayala is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding a Series 66 designation. He has been with the firm since 2025 and previously worked at Northwestern Mutual Investment Management and other financial and non-financial roles. He is also an insurance broker with Lenox Advisors, involved in life, disability, long-term care, fixed annuities, and health insurance sales. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning and estate-settlement programs.

Jerry Candia is a financial advisor at LPL Financial with 27 years of industry experience. He has held his current position since 2009 and holds Series 63 and Series 66 licenses. Outside of his advisory work, he coaches the Monrovia High School Mountain Bike Club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing various investment strategies supported by both internal and third-party research.