David Fong is a financial advisor with UBS Financial Services in Rancho Cucamonga, CA, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has been with UBS Financial Services since 1981. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management supported by proprietary research and model-based asset allocations.

Lupita Fernandez is a financial advisor at Fidelity with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JP Morgan Securities, LLC for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing multiple registered investment companies and its use of systematic methodologies in building model portfolios.

Oralia Valenzuela is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation. She has over 17 years of experience with Wells Fargo Clearing, including a recent rehire after a brief employment gap. 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 both brokerage and advisory solutions supported by extensive research and analytics.

Jerilyn Bostock is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 1999 and holds Series 63 and Series 65 licenses. Outside of her advisory work, she also works as a food delivery driver on a part-time basis. 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, pension plans, corporations, and charitable organizations.

Feiruz Ennabe Ayoub is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 10 years of industry experience. She has been with Primerica Financial Services and Primerica Advisors since 2015. Outside of advising, she has been involved with 2000 C-Store, Inc. since 1989. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies and offers discretionary portfolio management through a network of advisors supporting approximately $15.5 billion in assets under management.

Kristine Lee is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMC Bank NA since 2013. 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 an ESG eligibility framework in its advisory process.

Stanley Anderson is a CFP® with 43 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of advisory work, he sells collectible coins from his personal collection on eBay. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

David Paik is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill, Bank of America, TD Ameritrade, and Scottrade. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Xiaobing Li is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Li has also held roles at Boston University and Ohio State University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies, use of AI and algorithmic methods, and formal governance procedures.

Arturo Alvarez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at Fidelity Brokerage Services and Wells Fargo Bank NA. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Oscar Aceituno is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has worked with PFS Investments, Inc. since 2009 and with Primerica Financial Services since 2007. In addition to his advisory role, he receives non-investment compensation related to home security, automation products, and loan referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven investment strategies supported by third-party managers and emphasizes advisory services delivered through a large network of financial advisors.

Melody Chow is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Charles Schwab, she held roles at Charles Schwab Bank, The Little Bra Company, and worked in education and healthcare. 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 blend of non-discretionary and discretionary investment options with multi-asset model portfolios and centralized operational support.

Dat Nguyen is a financial advisor at Fidelity with Series 65 and Series 66 credentials and one year of industry experience. Before joining Fidelity, he worked in various educational roles from 2014 to 2024, including positions at Western Governors University, University of Riverside, Gabrielino High School, and Jefferson Middle School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including multi-manager and fund-of-funds structures. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Saurin Munshaw is a financial advisor at Equitable Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors since 1999. Outside of advising, Munshaw owns a photography business and serves as president and CEO of Sterling Wealth Management, LLC. He is also a co-trustee of an immediate family trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management services through a network of Investment Adviser Representatives, utilizing a range of third-party advisory programs and investment options.

Kenneth Hughes is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1985. Outside of advisory work, he serves as president and partner of K M Hughes Inc., a legal entity established for Primerica business purposes, and is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model based on tiered wrap fees.

Jeffrey Sharpe is a financial advisor with Charles Schwab in Upland, CA, holding a Series 63 designation and bringing 29 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2002 and 2005, 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and thorough due diligence on alternative investments within an integrated operational structure.

Caralynn Stein is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 2004. Outside of finance, she is a co-owner of a paintball supply store. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools.

Luis Barker is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has worked with Primerica Financial Services since 2003 and has additional roles at PFS Investments Inc. and Shamrock Foods. Barker also engages in sales of investment-related products and receives compensation for referring home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Julia Kaminski is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 65 licenses and has 27 years of industry experience. Prior to joining Osaic in 2023, she worked at Royal Alliance Associates Inc from 2002 to 2023. Outside of her advisory role, Kaminski owns Dewey, McDonald & Carrillo, Inc., a firm that provides tax preparation and consulting services related to tax, estate planning, and business advisory, and she also owns a sole proprietorship selling annuities and term life insurance. Osaic Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services utilizing various proprietary tools and third-party platforms to construct and manage customized investment portfolios.

Paul Hoang is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. since 2015. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.