Joann Lee is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds Series 63 and Series 66 designations. Outside of her advisory role, she is a part owner of K & J Essentials LLC, an e-commerce business focused on Amazon online selling with minimal day-to-day involvement. 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 manager due diligence and an ESG eligibility framework in its recommendations.

Jeffrey Ng is a Financial Consultant at Fidelity Investments, where he has been serving since 2022. In his role, he focuses on assisting clients with financial literacy and providing education to help them confidently manage their financial lives, including growing, protecting, and transitioning their wealth. Prior to his current position, Jeffrey worked as an Investment Consultant at Fidelity Investments from 2020 to 2022 and as a Financial Consultant at Axa Equitable Advisors from 2017 to 2020. He also gained experience as an Investment Analyst Intern at Wellspring Consulting LLC in 2016. Jeffrey holds a California Insurance License, which supports his professional qualifications in the financial services industry.

Justin Arce is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Royal Alliance and Foresters Financial Service in various capacities. Outside of his advisory role, he is involved in selling life, long-term care, and health insurance, and he operates Epiphany Wealth Planning LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management alongside research-supported model portfolios and alternative strategies.

Andrew Norman is a financial advisor at Edward Jones with a Series 66 designation and one year of experience at the firm. His prior roles include positions at AssetBridge Capital Management, Team Financial Partners, and various non-financial employers. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non‑high‑net‑worth and high‑net‑worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jeffrey Grant is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. 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 services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Jescelyn Hernandez is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. She has worked in various roles spanning financial services and education, including positions at Bank of America and Loan Depot. Outside of advising, she assists with the management of her mother's janitorial business, helping with language barriers and administrative tasks. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing model-based and discretionary investment strategies for a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Christian Terrazas is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several notable firms, including Morgan Stanley, Bank of America, Merrill, and BBVA. He is based in Upland, CA. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Duvan Chiang is a financial advisor with Ameriprise who holds a Series 63 designation and has 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, using a combination of research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated broker-dealer and insurance companies.

Walter Huber is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 38 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Western International Securities, Inc. for six years and D.A. Davidson & Co. for six years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with discretionary and non-discretionary management, supporting diversified and alternative investment strategies.

Jean Koehler is a financial advisor with Ameriprise in Monrovia, CA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she has real estate ownership interests in Los Angeles County. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored retirement income advice through a centralized consulting team.

Sami Harper is a financial advisor with Ameriprise in Los Angeles, CA, holding a Series 66 designation and with two years of industry experience. Prior to joining Ameriprise in 2024, Harper worked at LPL Financial from 2022 to 2024 and Kinecta FCU from 2006 to 2024. Outside of advisory services, Harper has involvement in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services primarily for individuals near or in retirement who meet certain asset thresholds, offering detailed recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with advisory support and emphasizes assets held in Ameriprise-managed accounts.

Giovanni Alvarez Mena is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at Ameriprise Financial Services, LLC for 15 years before joining Equitable Advisors in 2026. Outside of his advisory role, he is involved with The Group WOWM, LLC as a registered team member. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, utilizing a delivery model focused on LPL-sponsored programs and endorsed TAMPs.

Anthony Valazza is a ChFC® with 37 years of industry experience, currently serving as a financial advisor at Thrivent Investment Management since 2002. He is also involved in community service as a board member of the Race Track Chaplaincy of California and serves as secretary for the Race Track Chaplaincy of America, organizations that provide spiritual and material support to the race track community. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial analyses without discretionary trading authority, and supports ongoing plan reviews through a network of financial advisors.

Douglas Morris is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2015. Outside of financial advising, he has been involved in Elite Jewelry at the Vault since 1982. Morgan Stanley Wealth Management provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling to develop financial plans.

Marcos Montenegro is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services since 2018, also maintaining a role at Wells Fargo Bank NA since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

James Terry is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has 34 years of industry experience. He has worked at Charles Schwab since 2002 and at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab offers a combined brokerage and advisory platform with both non-discretionary and discretionary investment options, supported by centralized custody and operational infrastructure.

James Filippi is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2014. Outside of his advisory work, he assists with a family-owned winery business in Rancho Cucamonga, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Caitlin Tolan is a financial advisor with Ameriprise in San Dimas, CA, holding a Series 66 designation and six years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning, dependable income sources, and tax-aware withdrawal strategies. The firm’s approach includes a structured recommendation process supported by internal research and third-party data, with enrollment criteria that require a minimum level of investable assets.

Saikou Jabbi is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he held roles at Yuan Ze University and Boise State University, including work in corporate finance and academic positions. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and oversight controls.

Chih Chieh Chang is a CFA® charterholder and holds a Series 66 designation, currently working with Charles Schwab in Arcadia, CA. He has two years of industry experience, including positions at Charles Schwab Bank and previous roles at Cox Automotive Inc. and T3 Trading Group, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management options supported by multi-asset model portfolios and alternative investment due diligence.