Kai Yuan Hu is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2022, following prior roles at Prudential Insurance Company of America, Ameriprise Financial Services, and Cetera Investment Services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by multi-asset model portfolios and centralized operational infrastructure.

Pengxin Fang is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has been with Merrill since 2022. Prior to that, he has been associated with Bank of America, N.A. since 2016. 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.

Erika Sahagun is a financial advisor at Charles Schwab with a Series 66 designation and several years of experience in the banking and financial services industry. Her prior work includes roles at California Bank & Trust, First Republic Bank, Farmers and Merchants Bank, First Citizens Bank, and Chase Bank. Charles Schwab & Co., Inc. serves a large client base primarily made up 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 discretionary separately managed accounts and operates a large-scale integrated platform offering advisory, brokerage, custody, and cash-sweep services.

Wei Han Jack Chang is a CFP® and Series 66 licensed advisor with 13 years of experience. He has worked at J.P. Morgan Securities since 2019 and previously held roles at Fidelity, Morgan Stanley, Cetera, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary, written asset allocation advice and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Rodzl De Los Reyes is a financial advisor with Merrill in Baldwin Park, CA, holding Series 63 and Series 66 credentials and possessing 10 years of industry experience. He has worked at Merrill since 2016 and is also affiliated with the California Military Department and Bank of America, N.A. Outside of advising, he serves as an officer, director, and owner of Rexxons Holdings, Inc., a real estate property management company. 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 and profit-sharing plans, corporations, and charitable organizations.

John Mishima is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has 15 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative screens and qualitative research in its advisory process and offers capabilities in derivatives and commodities through its broader regulatory registrations and affiliations.

Jose Torres is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develop strategies to pursue them. His approach includes providing resources for investing, retirement planning, and managing various financial priorities. Jose's areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his High School Diploma from Bell High School and is fluent in English and Spanish. Outside of his professional role, Jose enjoys biking, cooking, spending time with his family, and watching movies.

Yvonne Bacio is a financial advisor with Cetera who holds a Series 66 designation and has four years of industry experience. She also works with Burns & Johnston CPAs and Business Advisors, LLP, where she serves as a marketing coordinator and provides investment guidance to clients. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts with a range of portfolio management and financial planning services. The firm operates as a multi-manager platform offering diverse program options and manages over $256 billion in assets.

Chris Cooper is a Senior Financial Advisor at Merrill Lynch Wealth Management. He directs the wealth management strategy, asset allocation, manager evaluation, and liability management for clients, working alongside his partner Michelle Morales. Chris serves a diverse clientele including owners of family businesses, physicians, attorneys, tribal governments, and private foundations primarily in Los Angeles, Orange, and San Bernardino counties. Chris brings to his financial advisory role a background of disciplined service from the United States Air Force, where he served two enlistments, including support of Operation Desert Shield/Storm. As a radar technician for seven years, he developed a commitment to excellence and attention to detail, qualities he applies in managing client portfolios and directing personalized or defined investment strategies. His responsibilities include investment management, tax minimization, estate planning strategies, cash management, and providing access to credit and lending through Bank of America, N.A. Chris earned an Associate's Degree from the Community College of the Air Force and holds the Personal Investment Advisor (PIA) designation. He has received the Air Force Good Conduct Medal, the National Defense Service Medal, and a distinguished graduate award from Airmen Leadership School. Outside of his professional work, Chris resides in Yorba Linda with his partner Michelle and their blended family. He is involved with charitable organizations such as Make-A-Wish and the Wounded Warrior Project, supports his children’s sports teams, and enjoys activities including golfing, traveling, and spending time with family.

Koorosh Zartoshty is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. His prior roles include positions at Centaurus Financial Inc., Cetera Advisor Networks LLC, and Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, with investment strategies implemented through discretionary or non-discretionary approaches.

Jennifer Whyte is a financial advisor with Cetera, holding a Series 66 credential and 11 years of industry experience. She has worked with firms including Avantax Investment Services, Pinnacle Wealth Management, and Crown Capital Securities. Jennifer is also involved in a family-run wealth management business where she provides investment planning and client services. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and consulting services, supporting over 10,000 advisors nationwide.

Peter Boulos is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. He has over a decade of experience partnering with clients to develop tailored financial plans that align with their unique goals and circumstances. Peter focuses on building trust and communicating financial strategies clearly to help clients work toward long-term financial success and provides ongoing, personalized guidance as their lives and relationships evolve. Prior to joining Fidelity, Peter worked as a Financial Advisor at JP Morgan Chase from 2009 to 2011 and at Edward Jones from 2007 to 2009. He holds a California Insurance License. Outside of his professional work, Peter has personal interests in golf, parenthood, and reading.

Howard Wess Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Before joining LPL Financial in 2025, he was affiliated with FAFCU Service Organization and CUSO Financial Services, L.P. for over two decades. Wess is also involved with F&A Investment Services, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using both proprietary and third-party strategies.

Leon Chen is a Financial Consultant currently working at Fidelity Investments. He has built a career in the financial industry spanning over a decade, with previous roles including Financial Solutions Advisor at Merrill from 2019 to 2025 and Private Client Banker at JP Morgan Chase from 2011 to 2019. Leon focuses on providing personalized financial planning and guidance tailored to each client's goals and priorities. He holds a California Insurance License, which supports his ability to offer comprehensive financial solutions. Outside of his professional work, Leon enjoys camping, hiking, traveling, and spending time with family and friends through various social activities.

Ryan Mouton is a financial advisor at Osaic with Series 65 and Series 63 credentials and four years of industry experience. Prior to joining Osaic in 2024, he worked at Woodbury Financial Services. Outside of his advisory work, he is co-owner of an e-commerce business specializing in seasoning retail. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager programs.

Vanessa Navarro is a Financial Consultant at Fidelity Investments, where she has been working since 2023. Prior to this role, she served as an Investment Consultant at Fidelity Investments from 2022 to 2023. Vanessa's professional experience also includes positions as Assistant Vice President and Financial Solutions Advisor at Merrill Lynch from 2018 to 2022, Financial Representative at AXA Advisors, LLC in 2018, and Equity Research Analyst at ROTH Capital Partners from 2016 to 2017. Vanessa holds a California Insurance License, which supports her role in providing financial advice. She is committed to helping clients develop strategies tailored to their financial goals and family needs. Outside of her professional work, Vanessa enjoys activities such as fitness, visiting museums, music, outdoor adventures, traveling, and volunteering.

Robert Brock is a financial professional with 32 years of industry experience, currently affiliated with Cetera. He holds a Series 63 designation and has been associated with various Cetera entities since 2013. Outside of his advisory role, he serves as the financial officer for Warm and Loving Ministries, a counseling and training center. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party investment strategies and program options suited to various client needs.

Eddie Richard is a financial advisor with LPL Enterprise LLC holding a Series 66 designation and no prior industry experience. His professional background includes roles at BLAZR Inc and Hyatt Corporation. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and various institutions, utilizing model-driven investment implementation and access to third-party asset managers and insurance products through affiliated entities.

Joann Lee is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JP Morgan Chase Bank since 2016. Outside of her advisory role, she is a part owner of an e-commerce family business, K & J Essentials LLC, involved in Amazon online selling with minimal day-to-day involvement. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG eligibility criteria, with certain services provided by affiliated entities.

Tyler Wong is a CFP® professional with seven years of experience in financial advising, currently with OSAIC since 2024. His prior roles include positions at JPMorgan Securities LLC and Securities America Advisors. Outside of his advisory duties, he operates a sole proprietorship providing financial planning and insurance services, and he is a commissioned California Public Notary. OSAIC Wealth serves a diverse client base, including retail investors, high-net-worth households, retirement plans, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services emphasizing model-based asset allocation and portfolio optimization supported by various investment tools and strategies.