Michael Babykin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets, and uses structured planning tools and modeling techniques as part of its process.

Tat Gary Tsui is a financial advisor with Merrill in Temple City, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked with Bank of America and Merrill since 2013. 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alan Ayoub is a financial advisor with Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, he worked at Barrios Insurance Services Inc and Kemper Insurance, and operated his own computer services business providing occasional technical support. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Susan Outzen is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including six years at Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models in its financial planning process.

Ping Shuang Wu is a financial advisor at Cetera with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera and affiliated firms since 2013, as well as East West Bank since 2016. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with options for discretionary and non-discretionary management across multiple program structures and custodial relationships.

Aaron Blackfelner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Flagstar Bank and JPMorgan Chase. Outside of advising, he operates an independent travel agency booking custom travel experiences. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Mariela Palacios is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, Michael Page, and Automatic Data Processor. 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 through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Bo Li is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work history including roles at Oceane Media LLC and Castleton Education Group Inc. Outside of advisory services, Li serves on the board of directors for Pathway Christian Board and is involved in business ownership related to real estate. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Minglun Wu is a financial advisor with Equitable Advisors in Arcadia, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. Equitable Advisors serves a broad range of clients, including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model that incorporates multiple advisory channels and program sponsors.

Tiffany Collins is a financial advisor with Charles Schwab in Arcadia, CA, holding Series 63 and Series 65 licenses, with 27 years of industry experience. She has been with Charles Schwab Bank and Charles Schwab Co., Inc. since 2000. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and maintaining a large-scale, integrated operational structure.

Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Hilary Campbell is a financial advisor at OSAIC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors Inc and Lone Eagle Wealth Services, where she is a partner. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences, participating in video training and outreach. OSAIC Wealth, Inc. serves a diverse client base ranging from individuals to institutions by providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to build portfolios encompassing various asset types, with management options tailored to client preferences.

Joannie Ngo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. She has worked with 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 a manager-solutions team. The firm offers these services on a non-discretionary basis, combining ESG eligibility frameworks with an extensive internal review process.

Paul Wu is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and 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 client solutions.

Rinaldo Ritonga is a financial advisor with LPL Financial in Monrovia, CA, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He previously worked for Western International Securities, Inc. for 25 years before joining LPL Financial in 2025. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Michael Wong is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior roles include positions at Fidelity Investments LLC and brief engagements in academic institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Dorian Sandoval is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank Leumi USA, Leumi Investment Services Inc., and Valley Financial Management, among others. Sandoval is also involved in CitizensTrust Investment Services, an affiliated business related to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

Howard Huckins is a financial advisor with Ameriprise in Granada Hills, CA, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with automated and personalized advice, primarily serving clients through a centralized retirement-income consulting team.

Deeba Zaman is a Resident Director and Senior Financial Advisor with Merrill in Ontario, California. She collaborates closely with individuals and families to provide personalized wealth management strategies. Deeba advises clients on a range of financial topics including college education planning, family wealth management strategies, personal retirement planning, and portfolio management services. She serves as a single point of contact for her clients’ financial questions, helping them establish a clear understanding of their current financial situation and long-term goals. Since joining Merrill in 2007, Deeba has developed her expertise through professional education and earned advanced degrees. She holds a Bachelor's degree from the University of California system and a Master's degree from the University of Southern California. She also holds the Personal Investment Advisor (PIA) designation. Deeba approaches financial advising with attention to both the technical and personal aspects, listening closely to her clients to address their financial needs as well as their aspirations. Outside of her professional role, Deeba enjoys cooking, music, spending time with her family, and traveling. She resides in Southern California with her husband and their Maltese Chihuahua mix, Rocky, and has a particular enthusiasm for Disney.