Ru Bai is a CFP®-certified financial advisor with six years of industry experience, currently with Independent Financial Group, LLC. Prior to joining Independent Financial Group in 2020, Ru Bai worked at Capital Financial Consultants Group Inc, Equity Services, Inc., True Path Financial, and Leyard American Corporation. Outside of financial advising, Ru Bai is involved in forming a CPA firm focused on bookkeeping and tax services for individuals and small businesses, where he manages marketing and client introductions. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, with services including brokerage, portfolio management, financial planning, and retirement plan solutions.

Richard Mccallister is a CFP® professional with 33 years of experience in the financial services industry. He is currently affiliated with PlanMember Securities Corporation and leads Palos Verdes Practice Management, Inc., a firm focused on managing financial practices. He also serves as an insurance agent for McCallister Financial Group, where he handles fixed annuities and life insurance products. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education and support services to plan sponsors and participants.

Mollie Privett is a CFP® professional with four years of industry experience, currently serving at EP Wealth Advisors. She has previously worked at Beacon Pointe Advisors, Morton Wealth, Pure Financial Advisors, and Northwestern Mutual. EP Wealth Advisors is a registered investment adviser that serves individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, employing a range of investment strategies including fundamental, technical, and cyclical analysis.

Patricia Parker is a financial advisor at EP Wealth Advisors in Torrance, CA, holding a Series 65 license with nine years of industry experience. Her prior roles include positions at The Holben Group and Holben Hay Lake Balzer CPAs. She is also the managing partner of P3 Financial Services, where she occasionally performs financial consulting work outside of her firm responsibilities. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios with a range of investment strategies and provides ancillary services such as tax preparation and estate-document support for qualified clients.

Anna Vo is a CFP® professional with EP Wealth Advisors and has been with the firm since 2022. Prior to joining EP Wealth Advisors, she worked in the mortgage lending industry at firms including Sprout Mortgage LLC and Stearns Lending LLC. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven process for portfolio management and offers a range of services including financial planning, retirement plan advisory, tax preparation, and estate-document facilitation.

Stephen Reiches is a financial advisor at EP Wealth Advisors with 19 years of industry experience. He holds a Series 65 designation and previously worked at Rappaport Reiches Capital Management, LLC for 14 years. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation.

Ryan Collette is a financial advisor with EP Wealth Advisors in Torrance, CA, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at RWA Wealth Partners, Polaris Wealth Advisory Group, and Polaris Greystone Financial Group. EP Wealth Advisors serves individuals, corporate clients, and retirement plans by providing wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients. The firm uses customized model portfolios and a blend of analytical approaches, including fundamental, technical, and cyclical analysis, while also offering services related to ERISA plan management and private fund recommendations.

Frank Patzke is a CFP®-certified financial advisor with 47 years of industry experience. He has been with EP Wealth Advisors since 2019 and previously worked at FP Financial Services, Inc. and LPL Financial, LLC. Outside of his advisory work, he is involved with FSKS Properties, a real estate rental business. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation.

Madisen Karlson is a CFP® with five years of industry experience, currently serving as a financial advisor at EP Wealth Advisors. Her prior roles include positions at Austin Private Wealth, The Real Wealth Collective, and The Vanguard Group. In addition to her advisory work, she serves as an adjunct faculty member at Idaho State University, teaching financial literacy and related topics. EP Wealth Advisors is a registered investment adviser that serves individual, corporate, and retirement plan clients with customized wealth management, discretionary portfolio management, and financial planning services. The firm employs a mix of fundamental, technical, and cyclical analysis and offers ancillary services including tax preparation and estate-document preparation for qualified clients.

Jonathan Bacon is a CFP® with seven years of industry experience, currently serving as a financial advisor at EP Wealth Advisors since 2020. He previously worked at Harris Financial Advisors from 2015 to 2020. Outside of his advisory role, Jonathan serves as treasurer and board member for the Financial Planning Association of Los Angeles. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services, employing a suitability-driven process and a range of investment vehicles.

Joseph Lindley is a CFP® with eight years of experience in financial advising, currently with EP Wealth Advisors. His prior roles include positions at Ses LLC, Seia LLC, Royal Alliance Associates, and Morgan Stanley among others. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans by providing wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis to construct customized model portfolios and offers ancillary services including tax preparation and estate-document preparation for qualifying clients.

Nicholas Hatfield is a CFP® and Series 65-licensed financial advisor at EP Wealth Advisors with 11 years of industry experience. He has worked at EP Wealth Advisors since 2018 and previously at Rampart Wealth Advisors and Miceli Financial Planning. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services, using a suitability-driven process and a range of investment vehicles including mutual funds, ETFs, equities, fixed income, and alternative investments.

Kathy Gardner is a financial advisor with Transamerica Financial Advisors in Torrance, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and has a background in real estate brokerage dating back to 1993. Gardner is also involved in property management through ownership and management roles in multiple LLCs. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, and charitable organizations. The firm offers a mix of advisory and broker-dealer services with access to proprietary and third-party model portfolios, providing both discretionary and non-discretionary investment options.

Dierra Bean is a financial advisor with Transamerica Financial Advisors in Torrance, CA, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has held various roles outside of traditional advisory work, including managing short-term rental leases, working as a Medicare representative, and providing supplemental health insurance benefits through Champion Health, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios alongside commission-based insurance and brokerage products.

Wen Tsai is a financial advisor at Integrated Wealth Concepts LLC with 47 years of industry experience. He holds a Series 63 credential and has been with Integrated Wealth Concepts since 2023, previously working with Laurel Wealth Advisors since 2016. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios focused on long-term investing combined with tactical rebalancing.

Analuisa Mercado is a CFP® and Series 65 licensed advisor with seven years of industry experience. She has worked at EP Wealth Advisors since 2011 in various capacities. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven process to create and manage portfolios using a range of investment vehicles and offers additional services such as tax preparation and estate-document facilitation.

Jacob Shuman is a Series 65-licensed financial advisor with EP Wealth Advisors, where he has worked since 2022. He has three years of industry experience, including roles at Citizens Bank, Eastspring Investments, and the PGA Tour. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management and financial planning, employing a suitability-driven process that utilizes mutual funds, ETFs, equities, fixed income, and alternative investments.

William Chedester is a CFP® with two years of industry experience, currently serving as a financial advisor at EP Wealth Advisors. His prior roles include positions at Trilogy Financial and UpDigital, as well as experience with Kelly Slater Wave Pool and Zanolas Gran and Seed. EP Wealth Advisors is a registered investment adviser that serves individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a variety of investment strategies including fundamental, technical, and cyclical analysis.

Kenji Bleicker is a CFP® professional with nine years of experience in the financial advisory industry. He is currently with EP Wealth Advisors and previously worked at Opes Wealth Management and Opes Advisors. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, and utilizes a combination of fundamental, technical, and cyclical analysis to construct customized portfolios.

John Paul Ramos is a CFP®-designated financial advisor with four years of industry experience. He currently works at EP Wealth Advisors and previously held roles at MML Investors Services and Commonwealth Financial Group/MassMutual. Outside of finance, he was involved with US Valet Inc and has a background connected to Stonehill College. EP Wealth Advisors is a registered investment adviser serving individuals, businesses, and retirement plans. The firm offers wealth management, financial planning, and ancillary services, utilizing customized model portfolios with a mix of fundamental, technical, and cyclical analysis to meet client needs.