Brittany Richard is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. Her prior work includes roles in rental management, marketing, and agency positions. She is involved in Richard Rental Management, an entrepreneurial venture outside the financial industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Alan Zhao is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. His work background includes roles at Bank of America, J.P. Morgan Securities, and JPMorgan Chase Bank, as well as academic positions at Boston University and the University of California, Berkeley. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other fiduciaries. The firm is integrated into Bank of America’s broader platform, offering access to a wide set of products and services.

Michael Chow is a financial advisor at Charles Schwab with 32 years of industry experience. He holds the Series 63 designation and has been with Charles Schwab since 1997, including roles at Charles Schwab Bank. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with integrated brokerage, custody, and advisory services.

Richard Crean is a financial advisor with LPL Financial, holding a Series 66 designation and over 48 years of industry experience. He worked at California Financial Partners, Inc. for 22 years and has been with LPL Financial for 25 years. Crean serves as a director at Pomona Valley Hospital Medical Center outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Carlos Bolanos is a CFP® with 38 years of experience in financial advisory and tax preparation. He has worked at Cetera since 2025 and previously spent nearly three decades with Avantax Advisory Services and its related entities. In addition to his advisory work, Bolanos owns an accounting and tax preparation business where he personally prepares tax returns and provides tax planning for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures.

Alex Salas is an Investment Consultant currently with Fidelity Investments. In this role, Alex helps individuals and families develop personalized financial plans and investment strategies aimed at achieving their financial goals. Alex's professional experience includes serving as a Financial Representative at Fidelity Investments from 2022 to 2023, and as a Jr. Financial Advisor at One Pacific Securities from 2021 to 2022. Alex holds a California Insurance License. Outside of work, Alex enjoys running and snowboarding.

Michael Neeley is a financial advisor with Cetera in Glendora, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Voya Financial Advisors and Transamerica Financial Advisors. Outside of advising, he is a freelance musician, serves as a board member for a nonprofit organization, and owns a consulting business providing CFO services to companies without full-time CFOs. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers, operating a multi-manager platform that supports diverse investment strategies.

Christopher Laubach is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves as a director and treasurer on a nonprofit board. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, primarily for clients with Ameriprise-managed accounts.

Albert Singleterry is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at J.P. Morgan Securities since 2012 and JP Morgan Chase Bank, N.A. since 2018, as well as prior experience at Wm Financial Services Inc. from 2005 to 2018. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

James Warren is a financial advisor with Ameriprise in San Dimas, CA, holding a Series 66 designation and 24 years of industry experience. His prior experience includes roles at LPL Financial and Level Four Advisory Services. He owns a non-investment-related business entity, JPW and Associates, which does not generate revenue or require time commitments. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized retirement income service that provides written recommendations and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Gloria Chen is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial, BMO Bank NA, BancWest Investment Services, Citigroup, and JP Morgan Securities. Outside of her advisory role, she owns and operates Chen's Music, where she tutors children on violin. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Kay Bonadie is a Financial Consultant currently working at Fidelity Investments since 2019. Prior to this, Kay was a Financial Advisor at Morgan Stanley from 2015 to 2019. Kay is licensed with the California Insurance License. In her role, she focuses on building trust with clients to define their financial objectives, explore alternatives, and help choose strategies that align with their plans.

Erinleigh Baldivia is a financial advisor at Charles Schwab with 15 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2014 and also worked at Charles Schwab Bank SSB from 2014 to 2023. She holds a Series 66 designation. Charles Schwab & Co., Inc. primarily serves 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 both non-discretionary and discretionary investment management options, combining multi-asset model portfolios with a distinctive operational structure that integrates advisory, brokerage, and custody services.

Mindy Cheng is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Bank of America and Merrill. She has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2019. 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 due diligence and applying an ESG eligibility framework in its recommendations.

Arthur Lin is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2023. Lin holds a real estate license and owns a business managing his Ameriprise practice. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, emphasizing managed accounts and utilizing algorithmic tools overseen by a dedicated retirement income team.

Ryan Tolan is a financial advisor at Ameriprise with 18 years of industry experience. He has held roles at Ameriprise and Ameriprise Financial Services, Inc. since 2007. He holds a Series 66 designation and is based in La Verne, CA. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, with a focus on assets held in Ameriprise Managed Accounts and the use of algorithmic automation to generate tailored recommendations.

Ellie Wong is a financial advisor at Charles Schwab with a Series 66 designation and experience beginning in 2023. Her prior work includes roles at Bank of America, East West Bank, and Cypress Sourcing Company Ltd., as well as several years of full-time education before entering the financial industry. 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts with multi-asset model portfolios and alternative investment options.

Michael Nackerud is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA and TIAA-CREF. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process includes firm-approved tools and modeling techniques, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Benjamin Blum is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 credentials and bringing 23 years of industry experience. His prior roles include positions at Cetera, Woodbury Financial Services, and Pacific Life Insurance Company. Outside of advising, he is an independent insurance agent and the owner of Bless Holdings, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm offers a range of implementation options, including proprietary model strategies and third-party manager referrals, with both discretionary and non-discretionary approaches tailored to client objectives.

Todd Porter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.