Yesica Lemus is a financial advisor at Cetera with 10 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Cetera in 2019, she worked at Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Andrew Ngin is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at Cetera since 2019 and was previously affiliated with Foresters Financial Service. Outside of advising, he is a one-third owner of ASJ Management Group, which provides restaurant services, and serves on multiple nonprofit and advisory boards focused on education, youth programs, and international relations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, employing a multi-manager platform with discretionary and non-discretionary strategies.

Howard Kern is a financial advisor with Raymond James & Associates in Pasadena, CA, holding Series 63 and Series 65 registrations and bringing 36 years of industry experience. He previously worked at Wedbush Securities Inc. and UBS Financial Services Inc. Kern serves on the Board of Governors for the USC General Alumni Association and is a member of the Board of Directors for USC Marshall Partners, involved in fundraising for the USC School of Business. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Brent Beverly is a CFP®-certified financial advisor with 42 years of industry experience. He is currently with LPL Financial, joining in 2022, and has held prior roles at TAG Financial Inc. and FSC Securities Corporation. Beverly is also involved in mortgage and real estate services along with advisory business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by its research and third-party subadvisors.

Vincent Lawler is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2017 and was previously with Sanford C. Bernstein & Co., LLC from 2010 to 2017. Lawler holds Series 63 and Series 66 credentials. He serves on the boards of Foothill Family, a nonprofit providing mental health services in the San Gabriel Valley, and the Natural History Museums of Los Angeles County, where he chairs the Audit & Risk Management Committee. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment recommendations.

Christine Bolger is a financial advisor with UBS Financial Services in San Gabriel, CA, holding a Series 66 designation and 18 years of industry experience. She has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services and fee-based financial planning.

Julie Sagatelian is a financial advisor with LPL Financial based in Pasadena, CA, holding a Series 66 designation and 27 years of industry experience. She previously worked at Waddell & Reed, Inc. for 23 years and has been involved in various insurance agencies since 1998. She also maintains her own independent advisory business, Julie E. Sagatelian, operating since 1997. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and multiple investment strategies.

Marcus Hwong is a financial advisor at J.P. Morgan Securities with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, also serving at JPMorgan Chase Bank, N.A. since 2020. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

George Escobar is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and over 23 years of industry experience. His prior work includes a decade at Next Financial Group, Inc., as well as roles with Avantax Insurance Agency, LLC and Xavier Consulting, where he provides investment and financial planning as well as tax consulting services. Additionally, he is involved with Firstway Insurance Service Inc., assisting clients with health insurance coverage options. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, enabling advisors to implement diverse investment strategies through varied program structures and custodial relationships.

Gerald Tambe is a financial advisor at LPL Financial based in Claremont, CA, holding a Series 63 designation with 52 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Joseph Tobin is a financial advisor with LPL Financial in Chino, CA, holding a Series 63 designation and 36 years of industry experience. He previously worked at National Planning Corp for 17 years before joining LPL Financial in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Todd Reynolds is a financial advisor at Morgan Stanley with 26 years of industry experience. He has worked with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association starting in 2015. Outside of his advisory work, he is also a songwriter and owns the property rights to a song and music video related to Abraham Lincoln. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and research.

Ali Rahimi is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2015. He is also associated with Diamond Health Care Inc. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment modeling techniques.

Harpal Sandhu is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and 32 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. Outside of his advisory role, he has been involved in property management through ownership and landlord activities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Bryan Longpre is a Series 66-licensed financial advisor with Morgan Stanley in Pasadena, CA, with 13 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2012. Outside of his advisory role, he serves as a part-time lecturer at California State University of Northridge and is president of a nonprofit organization, Ascencia. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by approved tools and modeling techniques.

Carlos Escobar is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. Since joining Merrill Lynch in the winter of 1994, he has held various roles including management positions in the Pasadena area. Currently, Carlos leads a team that provides customized wealth management services to a diverse client base nationwide. His expertise covers a broad range of financial services including college education planning, divorce transition planning, family wealth management strategies, defined benefit plans, personal retirement planning, portfolio management, investment strategies for individuals and corporations, and retirement income. Carlos is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Personal Investment Advisor (PIA) designation. He earned his High School Diploma from Ulysses Grant High. Carlos is actively involved in his community in Pasadena, contributing to charitable causes such as creating a non-profit organization focused on shelter for at-risk youth and participating in fundraising efforts for Children’s Hospital Los Angeles. He is a husband and father of four, with personal interests including football, golfing, soccer, swimming, traveling, and spending time with his family.

Daphany Shen is a financial advisor at Charles Schwab with five years of industry experience and holds a Series 66 designation. Her career includes roles at TD Ameritrade, Charles Schwab Bank, and Schwab & Co., Inc. She also has experience working with Habitat For Humanity. Charles Schwab & Co., Inc. serves a large client base primarily comprised of 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 affiliated discretionary separatemanaged accounts and employs multi-asset model portfolios along with due diligence from its Center for Financial Research.

John Darmanian is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Western International Securities, Inc. for 16 years. Outside of his advisory role, he is involved as a parenting provider for LA County through the In-Home Supportive Services program. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and consulting services supported by extensive research and technology solutions.

Matthew Pomfret is a financial advisor with Fidelity Investments and holds a Series 66 designation. He has one year of industry experience. Prior to joining Fidelity, his work history includes various roles associated with media and talent services firms linked to Judy Justice and Picrow Streaming Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, employing systematic methodologies and long-term asset allocation benchmarks.

Johnny Liu is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Sushiholics and has experience in education from roles at Asucla, the University of California, Los Angeles, and West Covina Unified School District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, primarily serving clients with significant investable assets.