Kristin Charlebois is a financial advisor with OSAIC based in La Verne, CA. She holds a Series 66 designation and has three years of industry experience. Prior to joining OSAIC, she has worked with Royal Alliance Associates, INC. since 2023 and has been involved with Pension Portfolios, Royal Alliance Associates since 2004. Charlebois also provides notary public services as a courtesy to clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Kevin Tolan is a financial advisor with Ameriprise in La Verne, CA, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is the owner of Trinity Family Ventures, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Melissa Robman is a CFP® and holds a Series 66 license with 10 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

Sisi Wu is a financial advisor with Cetera who holds a Series 66 designation and has nine years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, HSBC Securities USA, Axa Advisors, and Bank of America. Outside of her advisory work, she is the sole owner of 810 Jarrow LLC, a rental property business. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing more than $256 billion in assets.

Muhammad Khan is a financial advisor with Fidelity who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment products, including model portfolios and fund advisory services.

Darice Tsai is a financial advisor at Edward Jones in Glendora, CA, holding a Series 66 designation with 10 years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

John Cao is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Merrill and Bank of America. Outside of his advisory role, he owns and operates an e-commerce business reselling clothing, tickets, and cards. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a combination of quantitative asset-allocation modeling and centralized due diligence, offering customized performance reporting and an ESG eligibility framework for recommended strategies.

Curtis Viggers is a financial advisor with LPL Financial in Claremont, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His career includes roles at TruStage and J Alden Associates, Inc. He is also involved in insurance product sales, including whole life and disability insurance through TruStage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and technologies such as machine learning.

Edward Yoon is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 30 years of industry experience. His prior work includes long-term roles at First Allied Securities and Advisory Services before joining Cetera. Yoon is also active in financial education, serving as an instructor at Harvest Financial for several years. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and maintains over $256 billion in assets under management across more than 10,000 advisors.

Frank Saldana is a Series 66-credentialed advisor with J.P. Morgan Securities, based in Ontario, CA, and has 16 years of industry experience. He has been with J.P. Morgan Chase Bank 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 brokerage, distribution, and investment management capabilities.

Jacqueline Peng is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients build, preserve, and transfer wealth by establishing strong relationships and providing clear communication alongside customized strategies tailored to each client's objectives. Jacqueline works closely with clients to define their goals and develop portfolio strategies designed to achieve them, offering ongoing advice and adapting strategies as clients' situations evolve. Her areas of expertise include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. Jacqueline holds a Bachelor's Degree from Columbia University and the Professional Investment Advisor (PIA) designation. She communicates fluently in Mandarin, Chinese, and English. Outside of her professional role, Jacqueline enjoys cooking, drawing/sketching, interior decorating, music, painting, and singing.

Peter Hang is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 66 designation and has been with J.P. Morgan Securities LLC since 2013, also working at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Michael Bailey is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He worked at Ameriprise Financial Services, Inc. for 33 years prior to his current role. Outside of his advisory work, Bailey is involved in executive office suite rentals and serves as president of the Utica Office Center Owners Association board of directors. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Lu Chen is a Series 66-licensed advisor with Merrill, joining the firm in 2022. Prior to Merrill, Lu worked at Deluxe Med Spa and Wave Plastic Surgery and Laser Center, among other positions. Outside of advisory work, Lu is a co-owner of two small rental properties with rooms leased to tenants. Merrill, along 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 client types including individuals, high-net-worth clients, pension plans, and charitable organizations.

Darrin Duval is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2010. Merrill, along 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yang Zhang is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Transglobal Holding Company and Topocean Consolidation Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Erica Vasquez is a financial advisor with Merrill in Rancho Cucamonga, CA, holding a Series 66 designation and with nine years of industry experience. She has worked at Merrill since 2012 and is also affiliated with Bank of America, N.A. since 2021. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ross Benson is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and 11 years of industry experience. His prior roles include positions at BMO Bank NA, BancWest Investment Services, Wells Fargo Bank, Wells Fargo Clearing Services, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Douglas Heal is a financial advisor with LPL Financial in Ontario, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at both Citizens Business Bank and LPL Financial since 2015. Heal is also an insurance agent with Carlson Hammond, working part-time in non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Pedro Alaniz is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Charles Schwab and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund 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 recommendations on a non-discretionary basis supported by an in-house manager solutions team and a centralized due-diligence framework.