Francis Ponzio is a financial advisor at Fidelity with Series 63, 65, and 66 licenses and three years of industry experience. He previously worked at Thrivent Investment Management Inc and Farmers & Merchants Bank of Long Beach. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on systematic investment processes that blend fundamental research, quantitative analysis, and algorithmic portfolio construction.

John Hernandez is a financial advisor with J.P. Morgan Securities in La Mirada, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and related entities since 2005. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by centralized due diligence and includes a broader derivatives and commodities capability.

Joseph Peralta is a CFP® professional with 36 years of experience in financial advising. He is currently with Cetera, where he has worked since 2020, and previously spent 14 years at First Allied Securities, Inc. Outside of his advisory work, he serves as co-trustee of a family trust and is commissioned as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, accommodating various investment programs and supervisory structures.

Amber Sky Skipps is a Series 66-licensed financial advisor at Edward Jones with three years of industry experience. Her prior work includes roles at Caroling Connection Entertainment and South Coast Performing Arts. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients with a broad range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm is recognized for its extensive retail advisor network and comprehensive service offerings beyond traditional advisory capabilities.

Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Andrusky is a CFP® professional affiliated with LPL Financial, based in Anaheim, CA, with 25 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade, Scottrade, and U.S. Bancorp Advisors. He also serves as a Member Experience Advisor at Partners Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Cady Tran is a financial advisor with J.P. Morgan Securities in Garden Grove, CA, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. Tran has worked with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014 in various roles. 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 while maintaining client decision-making authority.

Corey Fast is a financial advisor at Edelman Financial Engines with 21 years of industry experience. He holds a CFP® designation as well as Series 63 and 65 licenses. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm offers a mix of discretionary management and online advice, utilizing diversified model portfolios and a fiduciary approach for retirement accounts, managing substantial assets across a large client base.

Kristopher Atzeff is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity entities since 2008. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Tien Dinh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and nine years of industry experience. His work history consists entirely of roles within J.P. Morgan entities dating back to 2016. 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. Their advisory process combines quantitative and qualitative research to develop model asset allocations, with an emphasis on non-discretionary client-driven decisions.

Fu Lin is a financial advisor at Cetera with 22 years of industry experience and holds the Series 66 designation. Fu Lin has worked at Cetera and Cathay Bank since 2017 and previously held roles at OneAmerica Securities and American United Life. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large nationwide network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

Meghan Mc Nealy is a Series 66-registered financial advisor at Edward Jones with three years of industry experience. She has worked at Edward Jones since 2017, with a four-year gap prior to that. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, and manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 financial advisors.

Worawit Tongprajiad is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., various insurance carriers, and Brio La Habra Community Association. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matt Tran is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He began his career at Fidelity as an Investment Consultant in 2021 before transitioning to his current position. Prior to joining Fidelity, Matt worked as a Premier Banker at Wells Fargo Bank from 2014 to 2021. Matt's approach centers on thoroughly understanding his clients and their financial goals. He aims to ensure that all important aspects of his clients' financial situations fit together, providing them with a clear financial picture and peace of mind as they work toward achieving their objectives. He holds a California Insurance License. Outside of his professional work, Matt enjoys family activities, football, golf, movies, and traveling.

Christopher Kislig is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2016. In this role, he partners with individuals and families to develop financial plans and investment strategies aimed at helping clients work toward their current and future goals. Christopher has been with Fidelity Investments since 2013, starting as a Relationship Manager, then serving as an Investment Consultant before advancing to his current position. He holds a California Insurance License, which supports his ability to provide comprehensive financial advice.

Kristen Wilson is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at Linsco/Private Ledger Corp. since 2007, following positions at Guardian Life and Avantax Advisory Services. She also operates Waider Financial & Insurance Services, Inc. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Louis Windawi is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at LPL Financial since 2007 and previously spent 10 years at Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on diverse investment strategies and operational support tools.

James Suh is a financial advisor with Merrill in Fountain Valley, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Bank of America and Merrill since 2016. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Johnny Tan is a financial advisor with LPL Financial in Whittier, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at LPL Financial since 2010 and previously held positions at Citigroup Global Markets and Citicorp Investment Services. Outside of advising, he is involved in mobile software development through Zircos, Inc. and manages a blog called Coffee and Whiskey. 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 provides financial planning, model portfolios, third-party asset management, and institutional platforms, with a range of advisory strategies supported by research and technology tools.

Rosario Cabrera is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. Prior to joining Wells Fargo in 2016, Rosario worked at Merrill from 2009 to 2015 and Banc of America Investment Services, Inc. from 2007 to 2009. 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.