Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Hilary Campbell is a financial advisor at OSAIC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors Inc and Lone Eagle Wealth Services, where she is a partner. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences, participating in video training and outreach. OSAIC Wealth, Inc. serves a diverse client base ranging from individuals to institutions by providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to build portfolios encompassing various asset types, with management options tailored to client preferences.

Joannie Ngo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. She has worked with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team. The firm offers these services on a non-discretionary basis, combining ESG eligibility frameworks with an extensive internal review process.

Ruchita Trivedi is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. She has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2022, following five years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment services integrated with brokerage, custody, and cash-sweep solutions.

Mei Guo is a financial advisor at Cetera with 26 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Cetera and its affiliated entities since 2006. Mei also has a long-standing role at Cathay Bank since 2006. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.

Paul Wu is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. J.P. Morgan Securities LLC 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.

Brian A. Garcia is a financial advisor with Raymond James & Associates in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Raymond James in 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, using various portfolio management styles supported by firm research and affiliated sub-advisers.

Mengxin Zhou is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley in 2024, Zhou worked at the Law Offices of Sevak Bagumyan, Intercontinental Exchange, and Cetera. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling to support its advisory services.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Donovan Koah is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has previously worked at Bank of America, Merrill, and Banc Of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Yuxia Ma is a Wealth Management Advisor with Merrill Lynch Wealth Management. She serves many wealthy families in the Asian American community and oversees retirement benefit assets for corporate clients. Fluent in Mandarin, she assists business owners in addressing their fiduciary responsibilities and strategic planning for their retirement plans, including 401(k), profit sharing, defined benefit, and deferred compensation plans. She also supports executives, entrepreneurs, and multigenerational families in wealth preservation, growth, and transfer strategies tailored to their unique needs. Yuxia holds multiple professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified 401(k) Professional (CkP), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Certified Exit Planning Advisor (CEPA). She earned a Master's Degree from the California State University system and a Bachelor's Degree from BengBu Medical School. She is experienced in corporate executive services, family wealth management strategies, executive compensation, tax minimization, and fiduciary advisory services. Her personal interests include antiquing, gardening, hiking, interior decorating, and traveling. Yuxia is committed to building strong client relationships and bringing her knowledge and experience to support important financial decisions.

Rinaldo Ritonga is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining LPL Financial in 2025, he worked for Western International Securities, Inc. for 25 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. 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 advanced operational and research tools.

Zejia Leung is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining J.P. Morgan in 2020, Leung worked at Bank of the West and BancWest Investment Services. Outside of advising, Leung assists with accounting for a family-run beauty product wholesale business. 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 applying an ESG eligibility framework when recommending strategies.

Gladys Lugo is a Series 66-registered financial advisor with Morgan Stanley in Pasadena, CA, bringing three years of industry experience. Her prior roles include positions at BBVA Securities Inc., BBVA Compass Insurance Agency, and Compass Bank. She has been with Morgan Stanley Smith Barney LLC since 2022. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning that employs firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate financial planning agreements.

Peter Chiang is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has worked at Bank of America and Merrill since 2016. Outside of his advisory role, he is associated with a family-held business that operates a ramen store in Downtown Los Angeles. 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.

Michael Wong is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior roles include positions at Fidelity Investments LLC and brief engagements in academic institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Eric Garcia is a CFP® with 25 years of industry experience, currently associated with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC for one year. Outside of his advisory role, he co-owns and manages several real estate investment entities in the Los Angeles area. 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 uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions.

David Chou is a financial advisor at Cetera with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JP Morgan Chase and Essence Financial LLC. Outside of advising, he is involved in managing Essence Financial LLC and acts as a life insurance agent for Sky Vision Life Insurance Agency. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supported by a nationwide network of over 10,000 advisors.

Dennard Jackson is a Financial Consultant currently serving at Fidelity since 2025. He specializes in partnering with clients to co-create customized wealth strategies that enable their families to pursue desired lifestyles and legacies with control and customization tailored to their unique vision and family dynamics. Prior to his current role, Dennard was a Private Client Advisor SVP at Bank of America from 2018 to 2025. He holds a California Insurance License, supporting his expertise in financial and insurance solutions. Outside of his professional commitments, Dennard enjoys activities such as going to the beach, attending comedy shows and concerts, participating in family activities, fitness, and music.

Jonathan Chen is a Financial Advisor at Merrill Lynch Wealth Management. He brings investment insights and offers clients access to banking convenience and lending solutions through Bank of America. Jonathan helps clients explore financial possibilities available in today's changing markets and leverages support from a global network of specialists when needed. Jonathan holds the professional designation of Personal Investment Advisor (PIA) and earned his Bachelor's Degree from the University of California, Berkeley. He communicates with clients in both English and Chinese.