Matthew Quan is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. He has been associated with Cetera and its affiliated entities since 2014 and operates a tax preparation business under the name Gordon T. Quan. Quan also volunteers with AARP to assist low-income and elderly individuals with tax returns and is a certified firearms instructor. Cetera Investment Advisers LLC serves a range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning services, and access to third-party money managers, managing over $256 billion in assets with more than 10,000 advisors nationwide.

Erin Goodrich is a Wealth Management Advisor at Merrill Lynch Wealth Management who works primarily with business owners and their families. She helps clients understand the integration of their business and personal finances, especially in complex or interconnected financial decisions. Erin's expertise includes investments, banking and lending, cash flow planning, tax-aware strategies, and evaluating business investment decisions. She collaborates closely with clients' CPAs, attorneys, and other advisors to align financial strategies with clients' goals. She holds a Master of Science in Financial Planning from the College for Financial Planning and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor® (CEPA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Erin is experienced in assisting business clients through all stages of business ownership, focusing on planning for business succession and estate strategies. Outside of her professional work, Erin is involved with community organizations such as the Cal State Fullerton Children's Center, Epilepsy Connection, Friends of Joshua Tree, and Girl Scouts of Orange County. Her personal interests include camping, cooking, hiking, painting, photography, reading, rock climbing, spending time with family, and writing.

John Lentz is a financial advisor with Morgan Stanley in Santa Ana, CA, holding a Series 63 designation and bringing 60 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individuals and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Nicolas Culver is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with various entities within the J.P. Morgan organization since 2014 and is also associated with The Culver Trust DTD. 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 and fund searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and includes a broader range of regulatory registrations compared to many institutional programs.

Trenton Hinely is a financial advisor with LPL Financial based in Anaheim, CA. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Public Legacy and Hurley, as well as positions outside finance such as with Cavalry Ambulance and Buffalo Wild Wings. 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, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and operational tools.

Daniel Ketchum is a financial advisor with Raymond James Financial in Santa Ana, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Raymond James Financial Services since 2004. Ketchum also participates in third-party research within the 401(k) plan space through occasional surveys for financial services firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports various advisory programs and institutional portfolio management.

Jesus Munoz is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates ESG eligibility criteria.

Tony Ly is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and U.S. Bancorp Advisors, LLC, with his current tenure at J.P. Morgan Securities beginning in 2016. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with additional portfolio services provided by affiliated entities.

Daniel Azimi is a financial advisor at LPL Enterprise with two years of industry experience. He holds the Series 66 designation and has worked previously at PRUCO Securities, One Pacific Financial Strategies, and Ghirardelli Chocolate Company. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm offers financial planning, access to third-party asset managers, and model-driven investment portfolios developed by LPL’s Research Department and other strategists.

Geoffrey Mizrahi is a CFP® professional affiliated with Raymond James & Associates, with 34 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Investments, LLC, spanning over two decades. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, drawing on a variety of portfolio management styles and affiliated research.

Matthew Hendren is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following an 11-year tenure at Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to guide investment selection and offering both brokerage and advisory solutions at scale.

Rick Lam is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. Rick provides ongoing advice and adapts client portfolios as their situations change. His expertise includes college education planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Rick emphasizes communication and engagement with clients and their families to facilitate financial decision-making and educate younger generations about investments. Rick holds a Bachelor's Degree from the University of California System and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of work, he enjoys billiards, chess, pickleball, reading, spending time with his family, swimming, and traveling.

Dustin Hofland is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at Raymond James since 2009 and was a co-owner of Padilla & Hofland Financial Services from 2011 to 2020. He currently maintains an ownership role in Padilla & Hofland Financial Services, a support company outside of investment activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm delivers tailored, non-discretionary planning using analytical tools to support client goals and offers specialized municipal and SIMPLE IRA advisory services.

Matthew Bullette is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. His prior work includes positions at Onpointe Wealth Management of Wells Fargo Advisors and roles in education. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm serves a variety of clients, including charitable funds and registered investment companies, and is noted for its use of algorithmic methods and formal advisory role to multiple investment vehicles.

Gaston Escudero is a CFP® professional with 36 years of industry experience, currently affiliated with Cetera. He has worked at various Cetera entities since 2020 and previously spent 14 years with First Allied Securities, INC. Escudero is also involved with Advanced Time Segmentation, where he provides coaching on financial planning software. 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 range of portfolio management and financial planning services through a multi-manager platform that supports various investment strategies and program structures.

Blake Rivera is a financial advisor with Wells Fargo Advisors in Long Beach, CA, holding the Series 66 designation and six years of industry experience. He has been with Wells Fargo Advisors since 2019 and previously worked at Robert Half and TS Restaurants. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, utilizing Wells Fargo research and tools to develop tailored recommendations for clients who meet net-worth thresholds.

David Wolfe is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with PFS Investments Inc. since 2013 and has longstanding involvement with Biola University and Cerritos Nazarene Church. In addition to advisory services, Wolfe is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed accounts for individual and high-net-worth clients, operating primarily as a wrap-fee solution. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a tiered percentage-based fee structure and maintaining oversight of its investment models.

Shannon Appleby is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Anna Castro is a financial advisor at Edward Jones in Whittier, CA, holding a Series 66 credential with 13 years of industry experience. She has been with Edward Jones since 2013. 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 services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

John Chau is a CFP®-credentialed financial advisor with 27 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and previously held roles at Chase Investment Services Corp., Bancwest Investment Services, Inc., and Banc of America Investment Services, Inc. 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 combines quantitative and qualitative research, using forward-looking capital market assumptions to develop model asset allocations.