Mildred Young is a financial advisor with Primerica Advisors in Diamond Bar, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1998. In addition to advisory services, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Qian Qu is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2016. Outside of her advisory role, she is a co-owner of several family rental property businesses. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charities.

Robin Gonzales is a financial advisor with Morgan Stanley based in Claremont, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been affiliated with Citigroup Global Markets since 1997. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and uses structured financial planning tools and methodologies such as Monte Carlo simulations as part of its process.

Allen Chen is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a forward-looking investment approach.

Robert Sales is a financial advisor at Fidelity with Series 66 credentials and one year of industry experience. His background includes roles at Fidelity Investments and the Office of Financial Aid & Scholarships at California State University, San Bernardino. Outside of his advisory work, he has been involved with VITA CSUSB, a volunteer income tax assistance program. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Ce Shi is a financial advisor with J.P. Morgan Securities based in Arcadia, CA, holding Series 63 and Series 66 licenses and possessing seven years of industry experience. His prior work includes roles at Bank of America and service in the U.S. Army Reserve. Outside of his advisory role, he is involved as an owner partner in a commercial real estate holding company and supports tax service operations at a family-run CPA firm. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may include ESG considerations, with implementation supported by affiliated investment management entities.

Peter Castillo is a financial advisor with LPL Financial in City of Industry, CA, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior work includes roles at CitiGroup, Wells Fargo Clearing, Wells Fargo Investments, U.S. Bancorp Advisors, and Wamu Investments. Outside of his advisory role, he is involved in insurance services through separate business activities. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Wasaf Ali is a financial advisor with Wells Fargo Clearing in Upland, CA, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2018 and has a decade of affiliation with Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Sherif Salib is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and possessing 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates a combination of quantitative and qualitative research and includes an ESG eligibility framework.

Lisa Silva is a financial advisor at OSAIC with 20 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Woodbury Financial Services and Lincoln Financial Securities Corporation. Outside of her advisory work, she owns and manages a real estate brokerage firm. OSAIC Wealth serves a broad range of retail and institutional clients with brokerage and advisory services including comprehensive financial planning and managed portfolio programs. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and offers discretionary and non-discretionary strategies across multiple custodial platforms.

Andrew Sanchez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has worked with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2015. Outside of finance, he is the owner and co-designer of Rivalry Clothing Co., where he creates and sells graphic designs for clothing companies. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to deliver asset allocation advice, investment manager searches, and performance reporting, with a focus on customized, non-discretionary solutions.

Roberta Armijo is a financial advisor at Ameriprise with 37 years of industry experience. She holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of her advisory work, she is involved in independent insurance brokering. Ameriprise Financial Services is a large institution serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendation reports and ongoing planning centered on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

George Veater is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior work includes roles at Sagepoint Financial, LPL Financial, and SPC. Outside of his financial career, he owns and operates a working cattle ranch and bronc riding school that hosts rodeo events. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services delivered through a multi-advisor platform. The firm employs a model-based investment process with various customizable portfolio strategies and maintains a complex affiliate network supporting its wide range of financial solutions.

Kiersten Oliva is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and eight years of industry experience. She has been with J.P. Morgan Securities since 2018 and concurrently with JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Mark Tolan is a financial advisor with Ameriprise in Murrieta, California, holding a Series 63 license and bringing 48 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, Tolan serves as secretary on the Holy Name of Mary Parish Finance Committee and coaches youth basketball for the City of La Verne. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Maimaiti Dilidaer is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His recent roles include positions at Bank of America and Merrill beginning in 2025. He has also worked at Somavedic Technologies and held various roles at Southeast Missouri State University. 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 plans, corporations, and charitable organizations.

Moses Lin is a financial advisor with Equitable Advisors, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Flagstar Advisors, Signature Securities, HSBC Bank USA, HSBC Securities, Citigroup Global Markets, and Edward Jones. He also serves as Group Director Investments – Senior Vice President at New York Community Bancorp. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s offerings include a range of advisory programs implemented through both proprietary and third-party managers, focusing on aligning client information and risk tolerance with suitable investment models.

Brian Roush is a financial advisor at OSAIC with seven years of industry experience. He holds a Series 66 credential and has previously worked at Lincoln Financial Advisors, J.P. Morgan Securities, Merrill, and Bank of America. Outside of financial services, he has worked in retail roles at Bass Pro Shops and in embroidery at Hancocks Embroidery. OSAIC serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with brokerage and advisory services focused on model-based asset allocation and portfolio optimization, supporting various managed account strategies and third-party manager programs.

Josie Chuang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked with various entities within JPMorgan Chase since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. 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.

Karen Burneff is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. She has worked at Cetera Wealth Services, LLC since 2013 and was previously with Quantum Econometrics from 2004 to 2023. Burneff serves as a non-public arbitrator in industry dispute hearings. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and retirement services, utilizing multiple program structures and a multi-manager platform to deliver customizable investment strategies.