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.

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.

Vincent Daigneault is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and economic modeling.

Ivan Castaneda Valle is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Anheuser-Busch Inc. Outside of his advisory role, he is the owner and CEO of Apex Vision Photography, LLC, a sports photography business focused on soccer tournaments. 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 combination of advisory and brokerage services.

William Murray is a financial advisor at Edward Jones with 33 years of industry experience, including 32 years at Edward Jones. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he owns residential rental properties occupied by family members. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

Cynthia Tung 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 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation with a range of financial planning and portfolio management services. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, offering institutional trading capabilities alongside wealth management.

Abbey Borbon is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. She has worked with Wells Fargo in various capacities since 2005 and is also affiliated with Cal Poly Pomona. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering IPS-driven investment advice and both discretionary and non-discretionary options. The firm’s approach includes a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Bertrand Brisbane is a Financial Consultant currently working at Fidelity since 2024. He has previously held roles as a Senior Wealth Advisor at Empower in 2024 and as a Financial Consultant at Schwab from 2006 to 2024. Bertrand holds a California Insurance License. He partners with individuals and families to help them pursue their financial goals with clarity and confidence, focusing on personalized guidance tailored to each client's unique circumstances. Bertrand's approach emphasizes principled advice throughout various stages of life. Outside of his professional work, Bertrand enjoys biking, hiking, and traveling.

Nicolas Monserrat is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2020. Prior to that, he held positions in real estate-related firms and was involved with California State University, Fullerton. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Cynthia Stauffer is a CFP® professional with 29 years of experience in the financial industry. She has worked at LPL Financial since 2017 and previously spent 15 years at National Planning Corporation. In addition to her advisory work, she provides tax preparation services and works as a TurboTax Tax Expert. 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 range of financial planning and investment management services supported by both proprietary research and third-party strategies.

Nolan Dunn is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes positions at Baylor University and Target, as well as a role in the restaurant industry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a mix of non-discretionary investment guidance and access to discretionary separately managed accounts, leveraging its large scale and integrated operational platform.

Danielle Blunt is a CFP®-designated financial advisor with 26 years of industry experience, currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2014. She is also the owner of Blunt Wealth Services, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports various advisory programs and institutional consulting services.

Ruarri Burda is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Based in Claremont, CA, his career has been focused within the Morgan Stanley organization. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Sharon Chen is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive financial strategies for business and family finance. She collaborates with a team of specialists to assist clients in retirement planning, investments, banking and credit solutions through Bank of America, and estate planning services. Sharon is a native speaker of Mandarin and Taiwanese and brings over 25 years of experience serving corporate and high net worth clients. Her expertise spans family wealth management, new wealth management, personal retirement and philanthropic planning, portfolio management, small business strategies, tax minimization, and retirement income. Sharon holds a Master’s degree from The Pennsylvania State University and a Bachelor’s degree from National Taiwan University. She also holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Sharon is actively involved in her community, having volunteered with the Fullerton Chinese School since 2003 and serving as its Principal from 2008 to 2009. Her personal interests include hiking, music, reading, spending time with her family, traveling, and writing.

Ivan Albarran is a financial advisor at Ameriprise with 18 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Shutong Chen is a financial advisor at Cetera with two years of industry experience. Chen holds the Series 66 designation and has worked at Cetera and Cetera Investment Services LLC since 2023. Prior roles include positions at Cathay Bank, Hsu Yao Tuang & Chiang CPA, and several educational institutions. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Gary Yoshizumi is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995. His other business activities include sales of loan products and referrals for home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm employs a curated selection of third-party asset managers and uses a tiered wrap-fee structure.

Danielle Valles is a financial advisor at Merrill with Series 65 and Series 63 credentials. She has been with Merrill since 2012. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joven Arella Jr. is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Since 2020, he has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and market models.

Sherri Anderson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Merrill in 2019, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, as well as Wells Fargo Bank, N.A. She serves as a board member of the Inland Empire Economic Partnership, an organization that brings together business, government, and community leaders in the Inland Empire region. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional entities.