David Cherbak is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank NA since 2004. Outside of his advisory role, he serves as a trustee for a family-related investment entity. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with third-party analytics to support diversified investment strategies across a broad range of products and services.

Diana Lin is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She collaborates with clients to develop plans aimed at enhancing their financial well-being, focusing on wealth planning, retirement planning, and income protection. Prior to this, she held positions at Fidelity Investments including Relationship Manager from 2024 to 2025 and Financial Representative from 2023 to 2024. She began her career as a Preferred Banker at First Republic Bank between 2021 and 2023. Diana is licensed to sell insurance in California, holding a CA Insurance License. Outside of her professional work, she has interests in fitness, hiking, music, outdoor adventures, reading, and scuba diving.

Robert Linzay is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise in various capacities since 2015. Outside of his advisory role, he coordinates and facilitates financial education programs at his local church. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Eunsun Kim is a financial advisor with RBC Capital Markets based in Los Angeles, CA, holding a Series 66 license and having 37 years of industry experience. Prior to joining RBC Capital Markets in 2019, Kim worked at UBS Financial Services from 2011 to 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Victoria Sierra is a CFP®-designated financial advisor with 13 years of industry experience, currently with Cetera since 2019. She previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of advising, she is a certified yoga instructor at CorePower Yoga. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, retirement services, and access to third-party money managers.

John Juarez is a Series 66-credentialed financial advisor with Edward Jones in Glendale, CA, where he has worked since 2012, accumulating 13 years of industry experience. Outside of his advisory role, he provides mediation and conflict resolution services focused on divorce and family matters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs, including discretionary and non-discretionary strategies, with approximately $1.01 trillion in assets under management.

Eric Ma is a CFP® with 21 years of industry experience, currently affiliated with Cetera in Pasadena, CA. His work history includes roles at East West Bank, U.S. Bancorp Investments, HSBC Securities (USA) Inc, and Wells Fargo Clearing and Investments. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, financial planning services, and access to third-party money managers.

Jiaoling Cai is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has been with J.P. Morgan entities since 2019 and previously worked at Unionbanc Investment Services and MUFG Union Bank from 2016 to 2019. Cai holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

Argam Aghazarian is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Thrivent Financial since 2018, following prior roles at Eagle Strategies and New York Life. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority, and offers its services on both a one-time and ongoing basis.

Manuel Chinchay is a CFP®-credentialed financial advisor with 15 years of industry experience. He is currently with LPL Financial and has previously worked at FSC Securities and The Advisory Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options, supported by research and technology tools, and manages over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Taras Polakoff is a Series 66-licensed financial advisor with five years of industry experience, currently serving at J.P. Morgan Securities in Pasadena, CA. His background includes roles within JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2021, with prior experience at LPL Financial and other organizations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence and a combination of quantitative and qualitative research to support its recommendations.

Gregory Dobbs is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 66 designation and previously worked at HUB International for two years before joining UBS in 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Melissa Phillips is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including seven years at Morgan Stanley Private Bank, N.A. Based in Los Angeles, she also manages a sole proprietorship involved in real estate property management. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized investment offerings.

Jose Ching is a financial advisor with Ameriprise in Monterey Park, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies.

Junko Nagai is a financial advisor at LPL Financial with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley & Co. LLC, U.S. Bancorp Advisors, BancWest Investment Services, and Bank of the West. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Trevor Kleineahlbrandt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Western International Securities, Inc. for 23 years. He serves on the Board of Directors for Lytle Creek Firing Line, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning and investment solutions, including model portfolios and institutional platforms, supported by advanced research and operational tools.

Michael Martinez is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He previously worked at J.P. Morgan Chase Bank and JPMORGAN Securities LLC before joining Merrill and Bank of America in 2019. Outside of his advisory role, Martinez serves as Vice President of CM Educational Consulting, Inc., a company involved in managing educational engineering programs. 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, and institutional investors.

Jason Pugmire is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation. His prior work experience includes roles at Charles Schwab Banks SSB and Charles Schwab & Co., Inc., as well as positions outside the financial sector such as Surgical Esthetics. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment options, leveraging multi-asset portfolios and alternative investments within a large, integrated operational structure.

Nicholas Smith Sr. is a Series 66-licensed financial advisor with 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously held positions at City National Bank and Citigroup Global Markets. 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 uses centralized due diligence combining quantitative and qualitative research, and incorporates ESG eligibility frameworks when appropriate.

Zachary Ayala is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding a Series 66 designation. He has been with the firm since 2025 and previously worked at Northwestern Mutual Investment Management and other financial and non-financial roles. He is also an insurance broker with Lenox Advisors, involved in life, disability, long-term care, fixed annuities, and health insurance sales. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning and estate-settlement programs.