Roy Seto is a financial advisor with Cetera who holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Clinomics and involvement with Friends of Santa Ana Zoo. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Thomas Aguna is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2020. Prior to that, he was employed at J.P. Morgan Securities and JPMorgan Chase Bank, NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved tools.

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.

David Neiman is a financial advisor with LPL Financial in West Covina, CA, holding Series 63 and Series 66 registrations and having 32 years of industry experience. He previously worked at Crowell, Weedon & Co. for 15 years before joining LPL Financial in 2012. He operates a business DBA named Lake Value Management. 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 advisory and brokerage services, including financial planning and third-party asset management, supported by a broad platform and technology tools.

Alvaro Valverde is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America and Bio Terra Corporation. He is associated with a power of attorney entity based in La Puente, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Benjamin Shen is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has worked at Schwab and its affiliated entities since 2018 and previously spent 14 years at Scottrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence.

Kristine Lee is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has held positions at J.P. Morgan Securities and JPMC Bank NA since 2013, and previously worked at U.S. Bancorp Advisors and Chase Investment Services Corp. She holds Series 63 and Series 66 licenses. 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 and fund searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and may include ESG considerations.

Gabriel Castellanos is a financial advisor at Wells Fargo Clearing with 4 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo and U.S. Bank in various capacities since 2016. 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.

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 22 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. He is based in Claremont, CA. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates an ESG eligibility framework.

John Cowley is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to its clients.

Richard Hsieh is a CFP® professional with 28 years of industry experience, currently affiliated with Cetera. His prior experience includes nearly 15 years with First Allied Securities and concurrent leadership of Kasih Financial Advisors since 2003. Outside of his advisory work, he serves as a volunteer for the Rafiki Foundation and holds fiduciary responsibilities as co-executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, enabling advisors to implement diverse investment strategies with discretionary and non-discretionary authority.

Xiaobing Li is a financial advisor at Fidelity with seven 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. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Thomas Britain is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior work includes roles at IHSS In Home Support Services, PFS Investments Inc., and a long tenure with The Salvation Army's Southern California Division. He is also a co-owner of Precious Quality Home Care, a home caregiving services business. Primerica Advisors serves primarily individual investors—including both non-high-net-worth and high-net-worth clients—as well as corporate and charitable clients, offering a wrap-fee asset management program that utilizes model-driven strategies managed by third-party asset managers. The firm operates at scale with thousands of advisors and offices, providing advisory services focused on model recommendations and supported by custodial and trade execution services.

Kevin World Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Merrill Lynch, Bank of America, LPL Financial, and Fire Fighters First Credit Union. He is also involved in offering investment products and services through LPL Financial under the trade name Firehouse Financial. 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 research from Wells Fargo Investment Institute and third-party sources.

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.

Bradley Scott is a financial advisor with Ameriprise in Arcadia, CA, holding a Series 63 designation and having 33 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advisory work, he manages and leads a team through Hudson Highland LLC, which supports certain operational aspects of his financial planning practice. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Peter Chow is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Citigroup Global Markets, East West Bank, U.S. Bancorp Investments, and Edward Jones. Outside of his advisory role, he is president and owner of Family Paws Resort LLC, a dog daycare and boarding business. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Charssy Zhang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. Zhang has worked at Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dat Nguyen is a financial advisor at Fidelity with Series 65 and Series 66 credentials and two years of industry experience. His prior roles include positions at Western Governors University and Logic Wealth Management. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.