Michael Chow is a financial advisor at Charles Schwab with 32 years of industry experience. He holds the Series 63 designation and has been with Charles Schwab since 1997, including roles at Charles Schwab Bank. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with integrated brokerage, custody, and advisory services.

Richard Crean is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 48 years of industry experience. He worked at California Financial Partners, Inc. for 22 years before and during his ongoing tenure with LPL Financial since 2001. Crean serves as a director at Pomona Valley Hospital Medical Center. 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, combining advisory services with a broad range of non-advisory financial products and operational support tools.

Amanjit Bains is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan, Bains worked for Stater Bros Markets for five years. Outside of advising, Bains engages in video game streaming and creates game guides for online sale. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions, offering clients a selection of Eligible Strategies and ESG considerations.

Carlos Bolanos is a CFP® with 38 years of experience in financial advisory and tax preparation. He has worked at Cetera since 2025 and previously spent nearly three decades with Avantax Advisory Services and its related entities. In addition to his advisory work, Bolanos owns an accounting and tax preparation business where he personally prepares tax returns and provides tax planning for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures.

Alex Salas is an Investment Consultant currently with Fidelity Investments. In this role, Alex helps individuals and families develop personalized financial plans and investment strategies aimed at achieving their financial goals. Alex's professional experience includes serving as a Financial Representative at Fidelity Investments from 2022 to 2023, and as a Jr. Financial Advisor at One Pacific Securities from 2021 to 2022. Alex holds a California Insurance License. Outside of work, Alex enjoys running and snowboarding.

Lanfeng Zhao is a financial advisor with Cetera, holding a Series 66 credential and bringing 24 years of industry experience. Zhao has worked at Cetera and its related entities since 2002 and also owns EZ & Company CPA Inc, a firm providing accounting, tax, and consulting services. Additionally, Zhao is involved in e-commerce through EZ FAB LLC. Cetera Investment Advisers LLC is a nationwide registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Yaopa Cheng is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Wells Fargo in 2023, Cheng worked at J.P. Morgan Securities, Citigroup, VincentBenjamin, Transamerica Financial Advisors, and World Financial Group. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

Michael Neeley is a financial advisor with Cetera in Glendora, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Voya Financial Advisors and Transamerica Financial Advisors. Outside of advising, he is a freelance musician, serves as a board member for a nonprofit organization, and owns a consulting business providing CFO services to companies without full-time CFOs. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers, operating a multi-manager platform that supports diverse investment strategies.

Philip Emchick is a financial advisor with LPL Financial and holds a Series 66 designation. He has one year of industry experience and previously worked at Bois Capital for seven years. Emchick is also involved with Zapata Private Wealth Group, LLC. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by both discretionary and non-discretionary strategies.

Ricardo Ortiz is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 12 years of industry experience. He previously worked at PFS Investments Inc. for 11 years and has been affiliated with Primerica Financial Services since 2008. His other business activities include the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.

Fabian Caraveo serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America, supporting them through evolving financial needs. With nearly two decades of experience, Fabian's expertise includes areas such as college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, socially responsible investing, and tax minimization. He utilizes his industry knowledge combined with Merrill's research and resources to develop customized financial strategies tailored to individual and household goals. Fabian holds a Bachelor's Degree from The University of Texas at El Paso and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, he enjoys adventure sports, baseball, basketball, biking, dancing, music, traveling, spending time with his family, and watching movies.

Christopher Laubach is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves as a director and treasurer on a nonprofit board. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, primarily for clients with Ameriprise-managed accounts.

Albert Singleterry is a financial advisor with J.P. Morgan Securities in Azusa, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Wm Financial Services Inc. and JPMorgan Chase Bank, N.A., where he has worked since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, manager and fund searches, and customized performance reporting through a non-discretionary advisory program. The firm’s investment process integrates quantitative and qualitative research, including ESG criteria, supported by affiliated implementation services.

Kenneth Stewart is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. His prior roles include work at Children's HopeChest and Biola University. Edward Jones is a full-service wealth management firm catering to over four million individual and institutional clients, offering a range of advisory programs and investment solutions through a large network of financial advisors and branch offices.

James Warren is a financial advisor with Ameriprise in San Dimas, CA, holding a Series 66 designation and 24 years of industry experience. His prior experience includes roles at LPL Financial and Level Four Advisory Services. He owns a non-investment-related business entity, JPW and Associates, which does not generate revenue or require time commitments. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized retirement income service that provides written recommendations and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Adam Gonzalez is a financial advisor with Primerica Advisors in Santa Fe Springs, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His work history includes roles at Primerica Financial Services and PFS Investments Inc. He has also worked outside the financial sector in various roles, including positions at Clearview Protective Services, IncC. and California State University of Long Beach. Primerica Advisors is a firm that sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and billions in assets under management, delivering advisory services through model-driven recommendations supported by third-party asset managers.

Yvonne Qi is a financial advisor with Merrill in Hacienda Heights, CA. She holds Series 63 and Series 65 licenses and has been with Merrill since 2017, including prior experience with Bank of America, N.A. Merrill, together 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.

Gloria Chen is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including LPL Financial, BMO Bank NA, Citigroup, and JP Morgan Securities. Outside of her financial career, she tutors children in violin through her music tutoring business, Chen's Music. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources to guide its diversified investment approach and offers both brokerage and advisory solutions.

Rhonda Cano is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 11 years of industry experience. She has worked with Avantax firms for a decade and operates Cano Income Tax, a tax-related business she has maintained since 1989. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with access to third-party managers and customized investment solutions.

Marcia Quiroz is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in retirement planning and wealth management strategies tailored to individual client goals. Since joining Merrill in 2012, she has utilized the firm’s resources to assist families and businesses, particularly focusing on retirement income, employee benefits, defined benefit plans, and financial planning for women. Her background includes extensive experience working with entrepreneurs and business owners on financing, succession strategies, and employee benefits, as well as managing bond issuances for public agencies prior to her current role. Marcia holds a Bachelor's and a Master's degree from the California State University system and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in both English and Spanish, she is active in professional and community organizations such as the Hispanic/Latino Organization for Leadership and Advancement (HOLA) and the Hispanic Latino Business Council. Committed to integrity, education, and mentorship, Marcia integrates these values into her professional practice and personal life. She dedicates time to volunteering with community groups and enjoys hiking, running, and spending time with her family. Her approach centers on developing personalized financial strategies that help clients pursue their desired lifestyles and achieve financial dignity throughout retirement.