Usha Cervantes is a financial advisor at LPL Financial with 16 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2024, she worked at Transamerica Financial Advisors, Inc. for 10 years. Cervantes is also the author of the book "Over 100 First Samoan Words" and owns a business called Lochytocker Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management provided by a large network of investment adviser representatives.

Randy Reyes is a financial advisor at Fidelity with 21 years of industry experience. He holds a Series 66 designation and has worked at various firms including Morgan Stanley Dw Inc., U.S. Bancorp Advisors, LLC, and multiple divisions within Fidelity since 2012. 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 to manage discretionary and non-discretionary portfolios.

Jazmine Cardona is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab. Her prior roles include positions at the State of California, Pruco Securities, LLC, Prudential Insurance Company of America, and Wells Fargo. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and comprehensive investment solutions.

Todd Pam is a financial advisor with LPL Financial based in Claremont, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His career includes roles at Deutsche AM Distributors, CrossRoads Capital Distributors, Clearbridge Investments, and Blackrock Financial Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Virgilio Gagalang is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with prior roles at Chase Investment Services Corp., Wamu Investments, Inc., and Ameriprise. 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 through a non-discretionary program. Their advisory process combines quantitative and qualitative research, incorporating ESG criteria, and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Diana Tran is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her work history includes roles at Bank of America and Merrill, among others. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Angela Ngan is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 22 years of industry experience. She previously worked at U.S. Bancorp Investments, Inc. for 12 years before joining Thrivent in 2021. Outside of her advisory role, she owns a single-family rental property. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, taxes, and estate matters. The firm combines goal-based analyses and flexible service options, allowing clients to integrate planning with managed-account programs while keeping these services separate.

Gary Charlebois is a financial advisor with OSAIC in La Verne, CA, holding a Series 63 designation and over 45 years of industry experience. He has been with OSAIC since 1989 and also operates Pension Portfolios, where he occasionally writes life and health insurance policies. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting various managed account strategies and third-party money managers.

Kelly Erickson is a CFP® professional with 17 years of industry experience. She is currently with Raymond James & Associates, where she has worked since 2024, following a 12-year tenure at LPL Financial, LLC. Erickson holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Francisco Lopez is a financial advisor at Merrill with a Series 66 credential and 19 years of experience at the firm. He serves as trustee and co-trustee for several family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Frank Pickett is a financial advisor with Raymond James Financial in Ontario, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Raymond James Financial since 2005 and founded Pickett Financial Partners in 2008. Outside of his advisory role, he has minimal involvement with Laguna Investment Trust, a rental real estate business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and institutional clients, offering tailored, non-discretionary advisory services supported by analytical tools and specialized programs, including municipal and public finance advisory work.

Rich Wang is a financial advisor with Morgan Stanley, holding a Series 66 designation and four years of industry experience. His prior work includes roles at JPMorgan Chase and Fashion City International Corp, as well as teaching positions at the University of California Riverside and Walnut High School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and corporate financial planning agreements.

Jonathan Hilton is a financial advisor at Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation. He has one year of experience as a financial advisor, having joined Edward Jones in 2026. Prior to his current role, he worked for the City of Rancho Cucamonga and Airgas USA, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and proprietary mutual funds, supported by a nationwide network of financial advisors and branch offices.

William Ford is a financial advisor with Morgan Stanley, holding a Series 66 credential and 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following nine years at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include but do not necessarily provide individual security recommendations within standalone planning.

Chun Bai is a financial advisor with LPL Financial in Ontario, CA, holding Series 63 and Series 65 credentials and 23 years of industry experience. His prior roles include positions at Cetera, CTBC Bank, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with advisory and brokerage services. The firm offers a variety of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Michael Stern is a financial advisor at Cetera with 12 years of industry experience. He holds the CFP® and PFS™ designations, along with Series 66 and Series 63 licenses. His previous roles include positions at Prudential and MassMutual firms. Additionally, he is active as an insurance agent, selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, along with various program options and custodial relationships.

Christopher Bautista is a financial advisor with Primerica Advisors in Rancho Cucamonga, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2009. Bautista also operated Bautista Family Clinic from 2003 to 2017. Additionally, he is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Ana Avila is a financial advisor with Ameriprise in San Dimas, CA, holding a Series 66 designation and four years of industry experience. She has been with Ameriprise since 1994. Ameriprise offers retirement-income planning services aimed at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions.

Rajiv Paliwal is a financial advisor with Ameriprise in Claremont, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Village Walk I Corp Homeowners Association. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Derek Johnson is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank NA. Outside of his advisory work, he serves as Treasurer for the Interfaith Food Center, a nonprofit focused on food distribution for homeless and less fortunate families. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.