Hyrum Chen is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Moreton Asset Management and JPMorgan Chase Bank. Chen also spent time as an independent contractor and has experience associated with Brigham Young University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a process that combines quantitative modeling and centralized due diligence.

Richard Jacobsen is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Charles Schwab and its bank affiliate since 2011 and 2013, respectively. 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 integrates non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Taylor Moore is a CFP® and holds a Series 66 license with nine years of industry experience. He has worked at Wells Fargo Advisors since 2023 and previously spent seven years at UBS Financial Services. Outside of his advisory career, Moore has been involved in the restaurant industry through Citrone Restaurant and Bar since 2015. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a wide range of financial planning services tailored to clients meeting a net-worth threshold, employing proprietary research and planning tools to develop recommendations delivered through meetings and written summaries.

Nicole Luo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Rong Wang is a financial advisor with Merrill in Hacienda Heights, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities and Bank of America. 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 individual, high-net-worth, and institutional clients.

Eric Anderson is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since January 1994. He works closely with an exclusive number of clients throughout the Pacific Northwest to provide customized wealth management services. Eric's expertise includes college education planning, divorce transition planning, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, tax minimization, and investment consulting for both individuals and corporate clients. Eric holds a Bachelor of Science in Building Construction from the University of Washington and earned a Master of Business Administration from Seattle University in 1988. He has earned the Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He is a qualified Portfolio Manager within the Merrill Investment Advisory Program and has completed several financial certificate programs offered by The Wharton School. Having personally experienced life transitions such as raising children as a single parent and caring for aging parents, Eric provides empathetic support to clients navigating similar challenges. He collaborates with legal and tax professionals to assist clients in preserving wealth across generations through strategies involving insurance and trusts. Eric and his wife Erin have a blended family of seven children and share interests in traveling and sports. He is active in his community and volunteers with local organizations.

Richard Bratincevic is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns a real estate investment property in Glendora, CA. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by advanced modeling tools and a structured discovery process.

Jennifer Gershon is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. Jennifer works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Her expertise includes college education planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, and tax minimization. Jennifer draws on the investment insights of Merrill and the banking services of Bank of America to assist clients in navigating changing market conditions. Jennifer earned a bachelor's degree from Santa Clara University. She is committed to community involvement, including volunteering with the American Red Cross. Outside of work, she enjoys boating, cooking, gardening, hiking, music, reading, spending time with her family, swimming, and tennis.

Joshua Shapiro is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has worked at various firms including Prudential Annuities Distributors and Mutual Trust Company of America Securities. Outside of his advisory work, Shapiro serves as general manager and baseball coach for the Ventura Braves Baseball Club and as an assistant high school baseball coach for Ventura County Unified School District. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with options for discretionary and non-discretionary management through a multi-manager platform.

Guillermo Salas is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 17 years of industry experience, including over a decade at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is based in Montebello, California. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Pablo Flores Maza is a financial advisor at Merrill with a Series 66 designation and no prior industry experience before joining in 2026. His work history includes roles at Bank of America and Warner Safeguard Inc. prior to his current positions. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Harout Garabedian is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 15 years at TD Ameritrade before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Shanon Still is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 registrations and 18 years of industry experience. Before joining Merrill in 2019, Shanon worked at Morgan Stanley for seven 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. The firm serves individuals, high-net-worth clients, and institutional investors using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Danny Kim is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Los Angeles, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings with access to investment companies, private funds, and structured-product activities.

Hovhannes Markosyan is a financial advisor at Merrill with five years of industry experience and holds the Series 66 designation. He has worked at Bank of America, JP Morgan Securities, and Equitable Advisors. Outside of his advisory role, he serves as Director of Armerica, a nonprofit focused on promoting Armenian culture and community, and owns a consulting firm that advises businesses on operations and marketing. 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 model-based and discretionary investment strategies for a range of individuals and institutional clients.

Molly Sakahara is a financial advisor with Morgan Stanley in Los Angeles, holding Series 63 and Series 65 licenses with 26 years of industry experience. She has been with Morgan Stanley Private Bank since 2016 and Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves on the finance committee and board of SoCal Squash, a social and recreational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools in its planning approach.

Jack Crawford is a financial advisor with Thrivent Investment Management in Glendale, CA. He holds the Series 66 designation and has six years of industry experience, including prior roles at Swiss Growth Forum and Paso Robles Joint Unified. Outside of finance, he assists with organizing and facilitating offsite wine pouring events for SCULPTERRA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial plans without portfolio management or institutional advisory services.

Buhyun Shin is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2011 and 2014 respectively. 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.

Audrey Chang is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2018 and RBC Capital Markets since 2014. Outside of her advisory work, she is the owner and landlord of a rental property in Alhambra, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to assist clients but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts unless separately agreed upon.

Lilta Talavat is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at UBS Financial Services and First Republic Securities Company. She also serves as a Notary Public, providing document notarization services for clients. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations to provide a comprehensive range of financial services.