Lily Lu is a CFP®-certified financial advisor at OSAIC with 27 years of industry experience. She previously worked at Securities America Advisors, Inc., Securities America, Inc., Banc Of America Investment Services, Inc., and Uvest Financial Services Group, Inc. She is also licensed to provide fixed insurance products to clients. OSAIC serves a diverse range of retail and institutional clients through a large multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with an emphasis on asset allocation, portfolio optimization, and risk management.

Andre Lee is a financial advisor at Osaic with a Series 66 credential and less than one year of industry experience. His recent work history includes roles at Cal State Fullerton University and Pasadena City College, as well as positions outside finance such as Mister Car Wash and Colombo's Italian Restaurant. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment programs delivered through affiliated broker-dealer and RIA relationships.

Jun Min Koh is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2009, including J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary 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.

Geoffrey Smith is a financial advisor at Edward Jones with one year of industry experience and holds a Series 66 designation. Prior to joining Edward Jones, he worked with San Gabriel Community Church for 15 years. Outside of his advisory role, he serves as an Assistant Project Manager for Surge Consultant Group, LLC, a business consulting firm in Pasadena, CA, where he participates in client research and intermittent film shoots. Edward Jones is a full-service wealth management firm serving individual and institutional clients across various segments. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and tax-efficient overlays within a fiduciary framework.

Jenny Choe is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at Vartan Grigoryan, Waddell & Reed, and Foresters Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced operational and research tools.

Juan Bermudez is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Wells Fargo and BBVA Securities. He is also involved with X Bermudez LLC since 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes derivatives and commodities capabilities.

Sandra Kassis is a Planning Consultant at Fidelity Investments. In her current role, she partners with advisors and their clients to provide personalized financial planning support, aiming to assist clients in navigating important financial decisions with clarity and confidence. She focuses on supporting clients as they work toward their long-term financial objectives through thoughtful planning and ongoing guidance. Sandra has been with Fidelity Investments since 2020, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Her experience encompasses various aspects of financial advising and client relationship management. She holds a California Insurance License, which supports her work in the financial services field.

John Campbell III is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Securities America Advisors, Lone Eagle Wealth Services, Morgan Stanley, and Citigroup Global Markets. He serves as a board member of the Pomona Valley Hospital Medical Center Foundation, participating in the investment policy oversight for the endowment. OSAIC Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and strategies.

Gustavo Estrada is a financial advisor with Fidelity, holding a Series 66 designation and 26 years of industry experience. He previously worked at J.P. Morgan Securities from 2012 to 2022 before joining Fidelity in 2022. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing multiple registered investment companies and developing model portfolios that incorporate systematic methodologies and long-term asset allocation benchmarks.

Jacob Meis is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, BancWest Investment Services, and Scottrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisors. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Steve Chen is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2014, with prior roles at East West Bank and Cathay Bank. Outside of his financial career, he assists as a Den Leader for the Boy Scouts of America. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Johan Kim is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. His prior roles include positions at Cambridge International Advisory Group and Kinecta Federal Credit Union. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios across mutual funds, ETFs, and ETPs.

Victoria Catanese is an Investment Consultant at Fidelity Investments, where she provides guidance and support to clients by understanding their unique financial goals and partnering with them to develop personalized strategies. She has been in this role since 2025. Prior to her current position, Victoria worked as a Relationship Manager at Fidelity Investments from 2023 to 2025, and as a Financial Representative at the same firm from 2022 to 2023. Her career began at JP Morgan Chase, where she was a Relationship Banker from 2019 to 2022. Victoria holds a California Insurance License. Outside of her professional work, Victoria enjoys cooking and baking, fitness activities, exploring culinary experiences as a foodie, solving puzzles, reading, and traveling.

Ariel Santana is a Series 66-licensed financial advisor with Morgan Stanley in Claremont, CA, with seven years of industry experience. He previously worked at Dewey, McDonald & Carrillo from 2015 to 2017 before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide 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 analysis techniques such as Monte Carlo simulations.

Daniel Mc Elderry is a financial advisor at Cetera with Series 66 credentials and one year of industry experience. He has been involved with Cam Caddie since 2008. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial arrangements.

Victor Truong is a Series 66 licensed advisor with J.P. Morgan Securities, based in West Covina, CA, and has nine years of industry experience. He has worked at Merrill, Axa Advisors, and Bank of America before joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2018. Outside of his advisory role, Victor owns and operates a doggy day care business on weekends. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm's non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that may incorporate ESG criteria.

Josiah Ball is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Western International Securities, Cambridge Investment Research Advisors, and SagePoint Financial, among others. He also serves as a non-variable insurance agent for Sphera Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, providing a range of financial planning, portfolio management, and institutional platforms.

Kristin Hundley is a financial advisor with Morgan Stanley Wealth Management in San Gabriel, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney and Morgan Stanley Services Group since 2009. Outside of her advisory role, she works as a Notary Signing Agent. Morgan Stanley Wealth Management is a firm serving both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including scenario modeling and long-term return estimates.

Yuha Elsa Tse is a financial advisor at Cetera with 18 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at Charles Schwab and several firms affiliated with Avantax and Transglobal. Outside of her advisory role, she provides homestay services for an international student through APEX International Education Partners. Cetera Investment Advisers LLC is a national SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including third-party money managers and bespoke strategies, supported by over 10,000 advisors and $256 billion in assets under management.

Sure Oeng is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to his current role, he held positions at AD.IQ, The Container Store, Anteater Television, and Hotel Irvine. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with a focus on multi-asset model portfolios and both non-discretionary and discretionary investment options.