Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Dyllon Whitaker is a financial advisor with Primerica Advisors in Upland, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2013 and is also involved with Tristar Marketing Systems since 2018. Outside of his advisory role, he engages in sales of loan products and home-related services 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 separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors.

Timothy Burns is a financial advisor with Cetera and holds a Series 66 designation, bringing 22 years of experience in the industry. He has previously worked at Avantax Insurance Services and 1st Global Advisors, and he also owns Burns & Johnston CPAs, where he practices as a CPA, handling tax preparation and business advisory services. Additionally, he operates Burns Financial Services, focusing on investment-related client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Michael Crean is a financial advisor with LPL Financial based in Upland, CA, holding a Series 66 designation and having 10 years of industry experience. He previously worked at California Financial Partners, Inc. for a combined total of 11 years, including a period from 2012 to 2020 and again from 2020 to 2023. Outside of his advisory role, he is associated with 39 North Inc., a non-investment business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various financial planning and advisory programs, employing both discretionary and non-discretionary management and providing access to model portfolios, research, and advanced technologies.

Sapphira Chow is a financial advisor at Cetera with 12 years of industry experience. Her background includes positions at JP Morgan Securities LLC and East West Bank. Outside of finance, she is a licensed real estate agent and part-owner of a dog daycare and boarding business, Family Paws Resort LLC. 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 variety of portfolio management and retirement services and operates a multi-manager platform that includes model portfolios and third-party manager options.

Chunyi Lei is a financial advisor at J.P. Morgan Securities with 15 years of industry experience and holds the ChFC® and Series 66 designations. Prior to joining J.P. Morgan in 2016, Lei established AJ4properties, LLC, where they continue to be involved. 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.

Kevin Bell is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, Wells Fargo, Edward Jones, and New York Life Insurance Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Michael Andrew Delgado is a Series 66-registered financial advisor with Edward Jones, based in Upland, CA. He has four years of industry experience, including prior roles at Merrill Lynch, Pierce, Fenner & Smith Inc./Bank of America, N.A., Helena Home, Inc., and LJMAM Home Care, Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Guy Hugaert is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2014. Outside of his advisory role, he serves as a power of attorney for his siblings. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elizabeth Sandoval is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joanie Liu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2003 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jamie Harwood is a CFP® professional with 20 years of industry experience and has been with Edward Jones since 2005. He holds Series 63 and Series 66 licenses. Outside of his advisory role, Harwood serves as Vice President of the Chino Youth Museum, where he participates in meetings and fundraising activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 financial advisors and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies and tax-efficient overlay services.

Anh Huynh is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and over 20 years of industry experience. He has worked at Sagepoint Financial, Inc. and Independent Capital Management, where he also serves as a senior district manager and offers insurance and estate planning services. Additionally, Anh Huynh is a certified Citadel Estate Planner and provides notary services for living trusts. OSAIC serves a broad range of clients, including individual investors and institutions, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and third-party platforms to construct and manage diversified portfolios tailored to client risk profiles.

Weihsiung Liang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 1999 and is also the owner of a CPA firm, Liang & Company Accountancy Corp, which provides accounting and tax services. Additionally, he works as an insurance agent, selling life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with access to affiliated and third-party managers.

Erin Wilkinson is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her prior roles include positions at OSAIC, FSC Securities Corporation, and McCarthy Wealth Management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services primarily in an advisory capacity.

Jose Guzman Vazquez is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. His prior work includes roles at Bank of America, Wells Fargo Clearing, and Wells Fargo Bank. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Babykin is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 credential. Outside of his advisory role, he is involved as an individual contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services utilizing structured planning tools and proprietary market projections.

Robert Gabler is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and having 14 years of industry experience. He has been with Morgan Stanley since 2011 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Lynette Atchley is a financial advisor at Cetera with 26 years of industry experience. She holds the CFP®, PFS™, and Series 66 credentials. Atchley is also CEO and managing director of CPA Financial Advisors, Inc., where she oversees a team preparing tax returns and handling accounting functions. Additionally, she serves as chairperson of a committee for the California CPA association focused on financial planners and holds board roles with The Holloway Group and Rebirth Homes Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment strategies and third-party managers.

Opinder Marwah is a financial advisor at OSAIC with 27 years of industry experience. He held a position at Woodbury Financial Services, Inc. for 25 years before joining OSAIC in 2024. Marwah is licensed as a Series 63 and Series 65 professional and also works as a life insurance agent offering fixed insurance products such as term life, disability, and health coverage. OSAIC serves a diverse clientele, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to managed portfolios using various investment tools and third-party platforms.