Robert Begley is a financial advisor with Raymond James Financial, holding a Series 63 designation and over 34 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2002. Outside of his advisory role, he is the CEO of Begley Capital Management LLC, a financial and insurance practice. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a broad network of advisors with specialized municipal and public-finance expertise.

Jocelyne Sandoval is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2017 and previously held roles at JP Morgan Chase Bank and JP Morgan Securities LLC from 2015 to 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Steven Norin is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools, and manages approximately $2.74 trillion in client assets.

Richard Pelfrey is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Rancho Cucamonga, CA. He has 14 years of industry experience, including eight years at Bank of America and Merrill Lynch from 2012 to 2020, before joining Wells Fargo in 2020. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Andy Cheng is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Ameritrade, Bank of America, Merrill, and Cetera. Cheng is also the owner of a rental services business. 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, offering multi-asset model portfolios and centralized custody and brokerage services.

Eric Escobar is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. He previously worked at Capital Group for nine years. Outside of his advisory role, he owns a marketing business called Taco Mapper. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates nationwide with over 23,000 financial advisors and manages approximately $1.01 trillion in assets.

Sally Eskander is a financial advisor at Merrill with 7 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2006. Outside of her advisory role, she is involved in a car detailing business in Rancho Cucamonga, California. 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 individuals, high-net-worth clients, and institutional accounts.

Shannon Sapp is a financial advisor at Charles Schwab with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 1995 and 2005, respectively. 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 advisory relationships and access to discretionary separately managed accounts, delivering investment guidance using multi-asset model portfolios and due diligence on alternative investments.

Carolyn Wyatt is a financial advisor with LPL Financial, holding a Series 66 license and bringing 26 years of industry experience. Her career includes roles at Western International Securities, M Stevens Wealth Advisors, and Crowell, Weedon & Co. She is involved with Arrowhead Wealth Advisors, an entity related to her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and other institutions, offering a range of financial planning and asset management services through a large network of investment adviser representatives.

Westley Bovee is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works with clients and their families to construct and implement complex strategies aimed at supporting long-term investment planning. Prior to his current position, Westley held several roles within Fidelity Investments, including Investment Consultant (2024-2025), Planning Consultant (2022-2024), Relationship Manager (2021-2022), and Financial Representative (2021). Throughout his career at Fidelity Investments, Westley has gained experience in investment consultation, financial planning, client relationship management, and financial representation. He holds a California Insurance License, supporting his capacity to advise clients on insurance-related matters. No additional information regarding education, credentials beyond his insurance license, personal interests, or community involvement was provided.

Brian Kim is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and its affiliated entities since 2018, following an 18-year tenure at Scottrade, Inc. 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 both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments, supported by a centralized operational structure.

Yan Ye is a Series 66-licensed financial advisor with 17 years of industry experience. Yan has worked at UBS Financial Services Inc for 10 years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Irene Choi is a financial advisor with Charles Schwab in Arcadia, CA, holding Series 63 and Series 66 licenses and possessing 27 years of industry experience. She has worked at Charles Schwab Co., Inc. since 2000 and Charles Schwab Bank since 2005. Outside of her advisory role, she has been involved in rental property management since 2006. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 affiliated discretionary portfolios and offers a comprehensive, integrated approach to wealth management.

Wei Teh Chen is a financial advisor with Charles Schwab in Arcadia, CA. He holds a Series 66 designation and has 18 years of industry experience. Since 2015, he has been affiliated with both Charles Schwab and Charles Schwab Bank. 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 operates a large-scale, integrated model combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by centralized custody and supervisory services.

Sara Uribe is a financial advisor with Ameriprise in Glendora, CA, holding a Series 66 designation and three years of industry experience. She has been with Ameriprise since 2012. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-planning advice focused on income sources and tax-aware withdrawal strategies.

Jon Hong is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior roles include extensive tenure at Scottrade and more recent positions at TD Ameritrade before joining J.P. Morgan in 2020. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis.

Kenyon Humphrey is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. since 2017, following a 15-year tenure at Washington Mutual Bank, F.A./Chase. 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.

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.

Jiaoling Cai is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has worked at JP Morgan Chase Bank, N.A. and Unionbanc Investment Services during her career. Cai holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis.

Daniel Cabral is a financial advisor with Fidelity Investments, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Fidelity, he worked in various roles across different industries, including positions at JP Morgan Chase Bank and Live Nation Worldwide Inc. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is noted for its role as a commodity pool operator and its use of AI-driven methods in portfolio management.