Karen Chan is a financial advisor at Mass Mutual Investors Services with 12 years of industry experience. She holds the Series 65, Series 63, and Series 66 designations and has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co since 2016. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships that use firm-approved software to deliver written recommendations.

Michael Choe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that address the full financial picture of his clients. Michael works closely with individuals and families to develop customized strategies that are adaptable to changing market conditions and client needs, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. He focuses on a broad range of financial planning areas including college education planning, family wealth management, legacy planning, managing new wealth, retirement planning and income, philanthropic planning, portfolio management, and small business strategies. Michael holds a Bachelor's Degree from James Madison University and an MBA from the University of Southern California. He has earned professional designations as a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Fluent in English and Korean, Michael combines his expertise with a commitment to understanding what matters most to his clients. Outside of his professional work, Michael enjoys biking, cooking, football, horseback riding, ice skating, photography, swimming, traveling, watching movies, and spending time with his family.

Stanley Anderson is a CFP® with 43 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of advisory work, he sells collectible coins from his personal collection on eBay. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Jason Lee is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its related entities since 2011. His roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and global market analyses.

Jerry Qi is a financial advisor at UBS Financial Services with 19 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Hsin Yuin Horng is a financial advisor at Morgan Stanley with 18 years of industry experience. She previously worked at UBS Financial Services from 2016 to 2020 and was a homemaker from 2020 to 2024 before joining Morgan Stanley. She holds the Series 66 designation. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

David Paik is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill, Bank of America, TD Ameritrade, and Scottrade. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michelle Marquez is a financial advisor at Raymond James & Associates with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Cantella & Co., Inc., Bank of America, N.A., and Merrill. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients, with a focus on tailored financial plans and institutional consulting.

Monique Morris is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory process.

Sandra Martin Stelmasek is a financial advisor with Merrill in Pasadena, CA, holding the Series 63 and Series 66 designations and bringing 44 years of industry experience. She has been with Merrill since 2002 and is also affiliated with Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America enables access to a wide range of products and services.

Richard Hsieh is a CFP® professional with 28 years of industry experience, currently affiliated with Cetera. His prior experience includes nearly 15 years with First Allied Securities and concurrent leadership of Kasih Financial Advisors since 2003. Outside of his advisory work, he serves as a volunteer for the Rafiki Foundation and holds fiduciary responsibilities as co-executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, enabling advisors to implement diverse investment strategies with discretionary and non-discretionary authority.

Xiaobing Li is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Li has also held roles at Boston University and Ohio State University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies, use of AI and algorithmic methods, and formal governance procedures.

Thomas Britain is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior work includes roles at IHSS In Home Support Services, PFS Investments Inc., and a long tenure with The Salvation Army's Southern California Division. He is also a co-owner of Precious Quality Home Care, a home caregiving services business. Primerica Advisors serves primarily individual investors—including both non-high-net-worth and high-net-worth clients—as well as corporate and charitable clients, offering a wrap-fee asset management program that utilizes model-driven strategies managed by third-party asset managers. The firm operates at scale with thousands of advisors and offices, providing advisory services focused on model recommendations and supported by custodial and trade execution services.

Serina Yuan is a financial advisor at UBS Financial Services with four years of industry experience. She holds the CFA® designation and Series 63 license. Prior to joining UBS in 2019, she focused on homemaking for over a decade. Outside of her advisory role, Yuan serves as president of the ABC Unified School District Education Foundation, a charity supporting student needs in the district. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management offerings, using proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kevin World Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Merrill Lynch, Bank of America, LPL Financial, and Fire Fighters First Credit Union. He is also involved in offering investment products and services through LPL Financial under the trade name Firehouse Financial. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Diane Hart is a financial advisor with UBS Financial Services in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with UBS since 2010. Diane is a trustee of a family revocable trust established in 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, using proprietary research and model-based asset allocations to customize plans. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets and financial planning services.

Jing Wang is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 license with four years of industry experience. Prior to joining Morgan Stanley in 2023, Wang worked at UBS from 2021 to 2023 and held roles in various organizations including LanguageLine Solutions and the University of California, Irvine's Center for Virus Research. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee to assist clients in financial goal modeling.

Arturo Alvarez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at Fidelity Brokerage Services and Wells Fargo Bank NA. 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 a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Zhenyu Li is a financial advisor with UBS Financial Services, holding a Series 66 designation and one year of industry experience. Prior to joining UBS in Pasadena, CA, Li worked at UBS AG Singapore Branch and held positions at Trafigura entities and Hays Talent Solutions LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Jenny Lee is a financial advisor at Morgan Stanley with 20 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Outside of her advisory role, she is the sole proprietor of SEJI Management LLC, a real estate property management business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a 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 models.