Douglas Cha is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients. The firm provides tailored financial planning using firm-approved tools and employs a structured approach without making individual security recommendations as part of standalone plans.

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.

Diane Gutierrez is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Her prior work includes roles at the University of California Santa Barbara, the University of Georgia, and the University of Denver. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves multiple registered investment companies and provides model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Jared Snyder is a financial advisor at Charles Schwab with three years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab in various capacities since 2024, as well as at Merrill and Bank of America prior to that. Outside of his advisory role, Jared officiates basketball contests for the NCAA and other amateur leagues. Charles Schwab serves primarily 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’s integrated approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a structured alternative investment selection process.

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.

Aida Arreguin is a financial advisor with Cetera who holds a Series 66 designation and has six years of industry experience. She has worked at several firms including Avantax and Ameriprise, and currently serves as a Wealth Management Associate at Husami & Associates, which provides accounting, tax, and financial services to family-owned and privately held businesses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

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.

Richard Armento is a financial advisor at Osaic with 37 years of industry experience. He holds Series 63 and Series 65 designations and has a background that includes long-term roles at Washington Square Securities, DMA Insurance Services Inc., and Annelor Inc. Outside of his advisory work, Armento serves as president of several insurance-related businesses that focus on property and casualty insurance and support independent insurance agencies. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes, and supports a multi-platform, complex corporate structure with multiple mergers and third-party partnerships.

Ethan Mc Donald is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 65 designation and has previously worked at Wealth Enhancement Advisory Services, The Retirement Group, and several other organizations. 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 advisory services delivered by a large network of investment adviser representatives.

Carrie Valerio is a financial advisor at Raymond James Financial with four years of industry experience. She holds the Series 66 designation and previously worked for the County of Orange Auditor Controller's office. Outside of finance, she has been an independent cosmetologist and owner of Riggs Salon & Gallery for over 19 years. Raymond James Financial Services Advisors serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored financial planning and investment consulting, utilizing risk profiling and analytical tools to support client goals.

Madhu Mali is an Executive Planning Consultant at Fidelity Investments, a role held since 2025. She has held various positions within the financial services industry, including Benefits and Planning Consultant and Investment Solutions Representative at Fidelity Investments, Investment Representative at J P Morgan Securities LLC, Senior Financial Sales Advisor at BBVA Securities Inc., and Financial Executive at Trilogy Financial Services. Her professional experience spans areas such as financial planning, investment solutions, and benefits consulting. Madhu holds a California Insurance License and communicates proficiently in Gujarati, Hindi, and Marathi. Outside of her professional work, Madhu has interests in art, beach activities, hiking, painting, and volunteering.

Ryan Mouton is a financial advisor at OSAIC with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining OSAIC, he worked at Woodbury Financial Services Inc. from 2020 to 2024. Outside of finance, he is a co-owner of Mouton's All Purpose Seasoning, an e-commerce seasoning retail business. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

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.

Judith Moffitt is a financial advisor with Ameriprise, holding a Series 66 designation and 22 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Robert Rumishek is a financial advisor with UBS Financial Services in Brea, CA, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Kelli Martin is a financial advisor with Charles Schwab in Brea, CA, holding Series 63 and Series 66 credentials and having 13 years of industry experience. Her prior roles include positions at Fidelity Investments and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios and access to alternative investments within an integrated operational structure.

Anali Elias is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she held roles at several companies including Mejuri, David Yurman, and Prada. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients. The firm employs a systematic investment process incorporating proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and advise registered investment companies.

Tony Lan is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including MML Investors Services, MassMutual Life Insurance Company, NYLIFE Securities, and T3 Trading Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.