Lily Lu is a CFP®-certified financial advisor at OSAIC with 27 years of industry experience. She previously worked at Securities America Advisors, Inc., Securities America, Inc., Banc Of America Investment Services, Inc., and Uvest Financial Services Group, Inc. She is also licensed to provide fixed insurance products to clients. OSAIC serves a diverse range of retail and institutional clients through a large multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with an emphasis on asset allocation, portfolio optimization, and risk management.

Joshua Munoz is a Financial Consultant at Fidelity Investments, where he works with clients to simplify complex financial decisions by understanding their current financial situations and long-term goals. He emphasizes collaborative planning and ongoing guidance to help clients make informed, risk-aware decisions aligned with their objectives. He has experience in various financial roles, including positions as a Financial Advisor at Wescom Credit Union from 2022 to 2024, Senior Relationship Banker at Wells Fargo Bank from 2019 to 2022, and Private Client Banker at JP Morgan Chase Bank from 2011 to 2019. Joshua holds a California Insurance License. Outside of his professional work, he enjoys bowling, family activities, fitness, football, golf, and music.

Andre Lee is a financial advisor at Osaic with a Series 66 credential and less than one year of industry experience. His recent work history includes roles at Cal State Fullerton University and Pasadena City College, as well as positions outside finance such as Mister Car Wash and Colombo's Italian Restaurant. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment programs delivered through affiliated broker-dealer and RIA relationships.

Eugene Ocasio is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 17 years of experience, he specializes in a range of client focus areas including executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, tax minimization, and retirement income. He works closely with clients to develop personalized financial strategies tailored to their long-term goals. Eugene holds a Bachelor's Degree from the California State University System and has earned the Personal Investment Advisor (PIA) designation. He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, Eugene enjoys baseball, basketball, boxing, fishing, football, music, reading, traveling, and watching movies.

Jenny Choe is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at Vartan Grigoryan, Waddell & Reed, and Foresters Financial Services. 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 wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced operational and research tools.

John Campbell III is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Securities America Advisors, Lone Eagle Wealth Services, Morgan Stanley, and Citigroup Global Markets. He serves as a board member of the Pomona Valley Hospital Medical Center Foundation, participating in the investment policy oversight for the endowment. OSAIC Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and strategies.

Gustavo Estrada is a financial advisor with Fidelity, holding a Series 66 designation and 26 years of industry experience. He previously worked at J.P. Morgan Securities from 2012 to 2022 before joining Fidelity in 2022. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing multiple registered investment companies and developing model portfolios that incorporate systematic methodologies and long-term asset allocation benchmarks.

Illya Williams is a financial advisor with Merrill in Ontario, CA, holding a Series 66 designation and 8 years of industry experience. His prior work includes roles at Bank of America, US Bank, and Wells Fargo Bank. Outside of finance, he is an independent consultant for Pampered Chef, where he sells kitchen tools through in-person and online events. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering strategic asset allocation and tax-aware investment options.

Pablo Martinez is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America, Merrill, and Wells Fargo Bank N.A. from 2015 to the present. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Shawntrice Watkins is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has been with Primerica Advisors since 2018 and has prior experience with M25:20 Media and Primerica Financial Services. Outside of advisory work, she is involved in referral activities related to home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and custodian services, operating on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Ariel Santana is a Series 66-licensed financial advisor with Morgan Stanley in Claremont, CA, with seven years of industry experience. He previously worked at Dewey, McDonald & Carrillo from 2015 to 2017 before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis techniques such as Monte Carlo simulations.

Daniel Mc Elderry is a financial advisor at Cetera with Series 66 credentials and one year of industry experience. He has been involved with Cam Caddie since 2008. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial arrangements.

Victor Truong is a Series 66 licensed advisor with J.P. Morgan Securities, based in West Covina, CA, and has nine years of industry experience. He has worked at Merrill, Axa Advisors, and Bank of America before joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2018. Outside of his advisory role, Victor owns and operates a doggy day care business on weekends. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm's non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that may incorporate ESG criteria.

Josiah Ball is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Western International Securities, Cambridge Investment Research Advisors, and SagePoint Financial, among others. He also serves as a non-variable insurance agent for Sphera Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, providing a range of financial planning, portfolio management, and institutional platforms.

Vincent Daigneault is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and at Morgan Stanley since 2009, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Ivan Castaneda Valle is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Anheuser-Busch Inc. Outside of his advisory role, he owns and operates Apex Vision Photography, LLC, a sports photography business focused on soccer tournaments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Cynthia Tung is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation with a range of financial planning and portfolio management services. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, offering institutional trading capabilities alongside wealth management.

Abbey Borbon is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has an extended tenure at Wells Fargo Bank beginning in 2005. She is also associated with Cal Poly Pomona since 2002. 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.

Nicolas Monserrat is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2020. Prior to that, he held positions in real estate-related firms and was involved with California State University, Fullerton. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Cynthia Stauffer is a CFP® professional with 29 years of experience in the financial industry. She has worked at LPL Financial since 2017 and previously spent 15 years at National Planning Corporation. In addition to her advisory work, she provides tax preparation services and works as a TurboTax Tax Expert. 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 supported by both proprietary research and third-party strategies.