Denise Zapata is a financial advisor with LPL Financial and holds a Series 66 designation. She has 24 years of industry experience and previously worked with firms including Cambridge Investment Research Advisors, FSC Securities Corporation, and Citigroup Global Markets. Outside of advising, she owns Onyx Flower Medicine, LLC, a non-investment-related business. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on supporting advisors through research and technology.

Ellie Wong is a financial advisor at Charles Schwab with a Series 66 designation and experience beginning in 2023. Her prior work includes roles at Bank of America, East West Bank, and Cypress Sourcing Company Ltd., as well as several years of full-time education before entering the financial industry. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts with multi-asset model portfolios and alternative investment options.

James Canela is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 12 years of industry experience. He has been with Wells Fargo Bank since 2004 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm serves a broad client base and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Phillip Kiriboon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Chase Investment Services Corp., and Wamu Investments, Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm typically employs model-driven investment implementation using portfolios developed by LPL’s Research Department and third-party strategists, while also offering financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Kevin Danni is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Danni serves on the Board of Directors for St. Francis High School in La Canada, CA, where he is involved in fundraising efforts. He is also involved in horse breeding and racing through Take One Racing LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm‑approved tools and modeling techniques.

Bonnie Hong is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of her advisory role, she is involved as an officer in a real estate-related business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and modeling tools, offering both direct and employer-partnered plans.

Amy Williams is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America in various roles since 2007. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Nackerud is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2025, he spent eight years at TIAA and TIAA-CREF. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm utilizes structured planning tools and proprietary investment analysis to support client goals.

Jia Ni is a financial advisor at Cetera with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Citigroup, HSBC Securities USA, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, 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 access to affiliated and third-party managers across various program structures.

Christina Smith is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations to develop financial plans.

Yvette Garcia is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley. Outside of her advisory role, she co-owns a handmade crafts business and a record label with her spouse, and serves as vice president of a homeowners association. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds and integrates advisory services with other financial products and referral channels.

Yihan Zhang is a financial advisor with Ameriprise in West Covina, CA. He holds the CFP® designation along with Series 65 and Series 63 licenses. Prior to joining Ameriprise, Zhang worked at Goldman Sachs & Co. LLC and has experience with Vega Tax Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning using a combination of proprietary research and third-party data.

Michelle Kir is a Series 66 licensed financial advisor at Merrill with seven years of industry experience. She has worked at Bank of America and Merrill since 2018 and previously spent sixteen years with Wells Fargo Investments. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Byron Duran is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked at Merrill since 2018 and currently serves at Bank of America, N.A. since 2025. Prior to his financial services career, he was employed at MetroPCS and Camino College. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Blum is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 credentials and bringing 23 years of industry experience. His prior work includes roles at Cetera, Woodbury Financial Services, Pacific Life Insurance Company, and Ameriprise. Outside of his advisory work, he is an independent insurance agent and a business owner. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and custodians. The firm provides both discretionary and non-discretionary management and maintains proprietary model strategies under the Founders Gate Capital brand.

Susan West is a CFP®-designated financial advisor with Morgan Stanley in Brea, California, bringing 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.

Todd Porter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Christopher Andres is a financial advisor with Merrill in West Covina, CA, holding Series 65 and Series 66 credentials and three years of industry experience. Prior to his current role at Merrill and Bank of America N.A., he worked for T-Mobile USA for 13 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Randy Wang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2022, following a 19-year tenure at Bank of America and Merrill. Outside of finance, he owns and operates a sole proprietorship involved in the purchase and sale of apparel and shoes. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screening and qualitative research and includes capabilities in derivatives and commodities.