David Lumiqued is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and Independent Capital Management, Inc. In addition to his advisory work, Lumiqued serves as president of the West Covina chapter of the Society for Financial Awareness, where he presents educational seminars. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple advisory platforms to construct diversified portfolios tailored to client risk tolerance and investment goals.

Phillip Cheng is a financial advisor with J.P. Morgan Securities in Eastvale, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan in various capacities 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Usha Cervantes is a financial advisor with LPL Financial in Covina, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 16 years of industry experience, including a decade at Transamerica Financial Advisors and over two years at LPL Financial. In addition to her advisory work, she is the author of the book "Over 100 First Samoan Words" and owns a business called Lochytocker Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement consulting, providing both discretionary and non-discretionary management supported by research and multiple portfolio options.

Randy Reyes is a financial advisor at Fidelity with 21 years of industry experience and holds a Series 66 designation. He has worked with Fidelity Personal and Workplace Advisors since 2018 and has been affiliated with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a broad client base and is noted for its use of systematic methodologies, formal advisory roles to registered investment companies, and integration of AI in its investment process.

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.

Benjamin Ashkinos is a financial advisor with J.P. Morgan Securities in Arcadia, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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 employs an ESG eligibility framework in its recommendations and offers non-discretionary services delivered by a select group of Wealth Advisors.

Todd Pam is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Before joining LPL Financial in 2019, he worked at Deutsche AM Distributors, Inc. and CrossRoads Capital Distributors. 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 advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with access to various model portfolios and research.

Tony Kim is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in San Gabriel, CA, with 18 years of industry experience. He has been with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Virgilio Gagalang is a Series 66-licensed advisor with J.P. Morgan Securities, where he has worked since 2012. He has 23 years of industry experience. 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 recommendations.

Diana Tran is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America and Merrill since 2020. Prior to her financial career, she held various roles including positions at TBWA\Media Arts Lab and in the hospitality sector. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Lo Coco is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 18 years of industry experience. His prior roles include positions at Western International Securities, Inc. and RJJ Pasadena Securities, Inc. Outside of his advisory work, he is involved in managing a real estate rental property in Monrovia, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Bruno Mendes is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Morgan Stanley, Mendes Wealth Management, LLC, and operated his own consulting business. 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. The firm delivers services on a non-discretionary basis, focusing on funds and strategies approved through internal review processes.

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.

Johnny Chi is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Cetera Investment Services. 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 investment options that include insurance-related vehicles and bank deposit sweep programs.

Gary Charlebois is a financial advisor with OSAIC in La Verne, CA, holding a Series 63 license and over 45 years of industry experience. He has been with OSAIC since 1989 and also operates Pension Portfolios, a sole proprietorship through which he occasionally writes life and health insurance policies. OSAIC serves a broad range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with a variety of investment platforms and third-party manager options.

Rafael Robles is a financial advisor at Merrill with a Series 66 designation and over 20 years of experience, including roles at Bank of America from 2002 to 2025 before joining Merrill in 2025. He is based in Whittier, CA. 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 model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Parker Olson is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds the Series 66 designation and has worked previously at firms including Purshe Kaplan Sterling Investments, Ares Management Corporation, and Northern Trust. Outside of his advisory work, he serves on the finance committee of Vintage Church Pasadena, assisting with financial modeling for future church budgets. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning delivered through a network of advisors. The firm’s approach separates planning from portfolio management and offers ongoing reviews without discretionary trading authority.

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.

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.

Nicky Chen is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMC Bank NA since 2019. His prior experience includes roles at CWL LLC and East West Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.