Zeynep Karadeniz is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Equitable Advisors and AXA-Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements that utilize firm-approved analytical tools and provides event-driven planning services including divorce and estate-settlement planning.

Daniel Oh is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA, holding a Series 66 designation and over 20 years of industry experience. He has worked with AXA Advisors, LLC and Equitable Advisors from 2005 to 2020 before joining Mass Mutual and Lenox Advisors, where he serves as Senior Vice President specializing in life and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured planning engagements supported by firm-approved analytical tools and educational seminars.

Pearl Huang is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with 10 years of industry experience. Her prior experience includes roles at Wells Fargo Bank and Wells Fargo Clearing Services from 2019 to 2024, JPMorgan Chase in 2018-2019, and Bank of America from 2006 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services through various planning tools and strategies.

Yibin Evan Xu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked with J.P. Morgan Securities since 2013 and has also been employed at JPMorgan Chase Bank, N.A. for the past 10 years. Outside of his advisory role, he works as an employee/contractor for In-Home Supportive Services, assisting a family member in home. J.P. Morgan Securities LLC 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 in its recommendations. The firm’s advisory services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Anthony Garcia is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at Bank of America, Wells Fargo, JP Morgan Chase, Homestreet Bank, CVG Valet, and Cerritos Acura. He is based in Los Angeles, CA. 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, plans, corporations, and charitable organizations.

Jeffrey Taylor is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-based recommendations that incorporate tax-efficiency and probability modeling, focusing on assets managed within Ameriprise.

Joseph Azpeitia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Pasadena, California. He serves successful first-generation wealth creators, particularly business owners and high-income families, by providing a clear, disciplined strategy for managing and preserving their wealth. Joseph focuses on helping clients establish a cohesive investment strategy, retirement planning, tax-efficient investing, and cash-flow planning for high-income households. His work extends to coordinating with clients' CPAs and attorneys on estate and legacy considerations, supporting clients through transitions and major financial decisions. Joseph emphasizes a planning-first approach to help clients make confident decisions across investments, business transitions, and long-term financial independence. Joseph holds a Personal Investment Advisor (PIA) designation. He earned his high school diploma from Upland High School and attended Mt San Antonio College. Outside of work, he enjoys basketball, boating, cooking, football, golfing, soccer, and spending time with his family.

Shiyi Xia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Boston. She works closely with clients to develop personalized financial strategies tailored to their long-term goals. Her approach focuses on understanding each client's comprehensive financial picture and adapting strategies to changing market conditions, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise encompasses a range of areas including college education planning, family wealth management, legacy planning, retirement planning, philanthropic planning, portfolio management, and tax minimization. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Shiyi earned a Bachelor's degree from George Washington University and a Master's degree from the University of Massachusetts System. Fluent in English, Mandarin, and Yue (Cantonese), she also dedicates time to community volunteering. Outside of work, Shiyi enjoys boating, cooking, hiking, traveling, and practicing yoga.

Lawrence Hoey is a financial advisor with LPL Financial in Diamond Bar, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Primerica Advisors. Outside of his advisory role, he operates Hoey Consulting, a tax-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a wide range of financial planning, portfolio management, and institutional advisory services, supported by proprietary research and technology tools.

Steven Sanchez is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 35 years of experience in the financial industry, focusing on a comprehensive approach to wealth management that begins with understanding each client's individual needs and goals. Steven works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term objectives. He provides access to investment insights from Merrill and banking solutions from Bank of America to address various aspects of clients' financial lives. Steven earned a Bachelor's Degree from the University of Southern California and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses areas such as college education planning, family wealth management, retirement income, portfolio management, tax minimization, and services for endowments, foundations, and non-profits. In keeping with Merrill's tradition of community involvement, Steven dedicates time to volunteering with local organizations. Outside of work, his personal interests include football, golfing, ice hockey, surfing, swimming, and volleyball.

Gavin Lee is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He has worked at Raymond James since 2019 and previously spent 15 years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved with Arroyo Capital Partners as an owner and dedicates significant time to this support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling, and supports specialized areas such as municipal finance and SIMPLE IRA advisory services.

Aamir Lalani is a financial advisor with Wells Fargo Clearing in San Dimas, CA, holding Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Wells Fargo Bank, loanDepot, Smartbiz Loans, and Walter's Audi Ontario. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

David Pierce is a financial advisor with Ameriprise in Pasadena, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill, Moss Adams, Aspen Capital, and work related to the University of Portland and Konos Restaurant Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning advice focused on retirement income strategies. The firm's approach incorporates proprietary investment research, third-party data, and algorithmic tools, with enrollment criteria requiring a minimum level of investable assets.

Justin Pena is a financial advisor at MassMutual Investors Services with a Series 66 credential and less than one year of industry experience. Prior to joining MassMutual, he held positions at F&A Federal Credit Union, Hone, Victoria's Secret, and Ralph's. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to client goals.

William Barney is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. He serves as a member of the New York Stock Exchange Panels of Hearing Board and volunteers on the NYSE's Acceptability Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering 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 provides planning supported by firm-approved tools and analysis from its Global Investment Committee.

Choong Kim is a financial professional with four years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Western Southern Life and New York Life. In addition to his role at Cetera, he is involved with Strategic Fortune Wealth Management, where he works with individuals, families, and businesses on financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Betty Ma is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she serves as treasurer for a local Girl Scouts of America troop. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal teams and third-party managers.

Mingming Zhang is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Bank of America, N.A., including roles at Merrill. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in recommending strategies.

Lily Kam is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo firms since 2015. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets.

Judith Lind is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2002. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies and supports trade execution and custody through third-party providers, with a focus on advisory services delivered through a large network of financial advisors.