Usha Cervantes is a financial advisor with LPL Financial in Covina, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 16 years of industry experience, including a decade at Transamerica Financial Advisors and over two years at LPL Financial. In addition to her advisory work, she is the author of the book "Over 100 First Samoan Words" and owns a business called Lochytocker Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement consulting, providing both discretionary and non-discretionary management supported by research and multiple portfolio options.

Randy Reyes is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 66 designation and has been with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Jazmine Cardona is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab. Her prior roles include positions at the State of California, Pruco Securities, LLC, Prudential Insurance Company of America, and Wells Fargo. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and comprehensive investment solutions.

Benjamin Ashkinos is a financial advisor with J.P. Morgan Securities in Arcadia, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm employs an ESG eligibility framework in its recommendations and offers non-discretionary services delivered by a select group of Wealth Advisors.

Todd Pam is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Before joining LPL Financial in 2019, he worked at Deutsche AM Distributors, Inc. and CrossRoads Capital Distributors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with access to various model portfolios and research.

Debbie Chen is a financial advisor with UBS Financial Services in Pasadena, CA, holding Series 63 and Series 66 registrations and bringing nine years of industry experience. Her career includes roles at HSBC Securities (USA) Inc. and HSBC Bank USA National Association, spanning from 2010 to the present. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to deliver tailored financial planning and portfolio management.

Tony Kim is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in San Gabriel, CA, with 18 years of industry experience. He has been with J.P. Morgan Chase Bank, N.A. 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 broker-dealer and investment adviser registrations, delivering a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Curtis Young is a financial advisor with UBS Financial Services, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at RBC Capital Markets and Charles Schwab, where he worked from 2013 to 2021. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services. The firm offers fee-based financial planning, portfolio management, and distributes mutual funds and alternative products, leveraging proprietary research and capital market assumptions to tailor strategies to client goals and risk tolerances.

Michael Co is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with 15 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Wynne I is a financial advisor at UBS Financial Services in Pasadena, CA, holding Series 63 and Series 65 licenses with 31 years of industry experience. She has been with UBS since 2014. Outside of her advisory role, Wynne serves as a successor trustee for the David I Family Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and offers research and capital markets solutions through its integrated platform.

Virgilio Gagalang is a Series 66-licensed advisor with J.P. Morgan Securities, where he has worked since 2012. He has 23 years of industry experience. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Chad Beck is a financial advisor with LPL Financial based in Pasadena, CA, holding Series 63 and Series 65 designations and bringing 18 years of industry experience. He has worked at LPL Financial since 2022 and previously operated Grove Point Investments, LLC and Grove Point Advisors, LLC, as well as H.Beck, Inc. for ten years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and technology-driven investment approaches.

Mason Bryant is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves hardworking individuals and couples who are building wealth, saving for their first home, planning for their children's education, and preparing for retirement. Mason constructs personally-tailored portfolios using a diversified approach with fundamentally strong companies, fixed income, and private investments, and coordinates with clients' CPAs and attorneys on tax minimization and estate planning strategies. He also offers access to lending solutions through Bank of America, N.A. Mason graduated from the University of Pennsylvania, where he played on the 2015 and 2016 Ivy League Championship football teams. Prior to that, he was a scholar-athlete at Monrovia High School, serving as captain of the football team. Mason joined Merrill Lynch in 2019 and holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Mason is involved in various community and professional organizations. He is president of the Penn Club of Los Angeles, a member of the Black Professional Group at Bank of America, and an active participant in the San Gabriel Valley Chapter of the National Football Foundation. Mason also volunteers with churches and local organizations and has coached and mentored athletes at Monrovia High School.

Diana Tran is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. Her work history includes positions at Bank of America and Merrill since 2020, as well as roles in marketing and hospitality prior to entering the financial sector. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of discretionary and model-based investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

James Lo Coco is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 18 years of industry experience. His prior roles include positions at Western International Securities, Inc. and RJJ Pasadena Securities, Inc. Outside of his advisory work, he is involved in managing a real estate rental property in Monrovia, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Bruno Mendes is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Morgan Stanley, Mendes Wealth Management, LLC, and operated his own consulting business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, focusing on funds and strategies approved through internal review processes.

Evans Lam is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2008. Outside of his advisory role, Lam serves as a director for a nonprofit networking organization, is a trustee at the University of Rochester overseeing academic affairs, and sits on the board of the Morning Light Foundation, which provides scholarships in the USA and China. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Angela Ngan is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 22 years of industry experience. She previously worked at U.S. Bancorp Investments, Inc. for 12 years before joining Thrivent in 2021. Outside of her advisory role, she owns a single-family rental property. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, taxes, and estate matters. The firm combines goal-based analyses and flexible service options, allowing clients to integrate planning with managed-account programs while keeping these services separate.

Johnny Chi is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Cetera Investment Services. 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 investment options that include insurance-related vehicles and bank deposit sweep programs.

Gary Charlebois is a financial advisor with OSAIC in La Verne, CA, holding a Series 63 license and over 45 years of industry experience. He has been with OSAIC since 1989 and also operates Pension Portfolios, a sole proprietorship through which he occasionally writes life and health insurance policies. OSAIC serves a broad range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with a variety of investment platforms and third-party manager options.