Steven Frantz is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2006. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Christine Bolger is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has worked at UBS since 2008, following a brief tenure at Morgan Stanley & Co. LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services that include financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, employing proprietary research and model-based asset allocations to tailor client strategies.

Kevin Gaffuri is a financial advisor with Primerica Advisors in Upland, CA, holding Series 63 and Series 65 licenses and with 17 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2009. He is also involved in the sales of loan products, home security, and automation services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm uses model-based strategies developed by third-party managers and offers advisory services through a network of approximately 3,700 advisors across more than 1,800 offices.

George Escobar is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and over 23 years of industry experience. His prior work includes a decade at Next Financial Group, Inc., as well as roles with Avantax Insurance Agency, LLC and Xavier Consulting, where he provides investment and financial planning as well as tax consulting services. Additionally, he is involved with Firstway Insurance Service Inc., assisting clients with health insurance coverage options. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, enabling advisors to implement diverse investment strategies through varied program structures and custodial relationships.

Gerald Tambe is a financial advisor with LPL Financial in Claremont, CA, holding a Series 63 designation and over 52 years of industry experience. He has worked with LPL Financial since 2008 and previously served at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across various platforms.

Joseph Tobin is a financial advisor with LPL Financial, holding a Series 63 designation and 36 years of industry experience. He worked at National Planning Corp for 17 years before joining LPL Financial in 2017. 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 financial planning, model portfolio programs, and various institutional platforms, supporting advisors with a range of discretionary and non-discretionary investment strategies.

Ali Rahimi is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2015. He is also associated with Diamond Health Care Inc. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including 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 planning process supported by firm-approved tools and investment modeling techniques.

Harpal Sandhu is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He has held positions at JPMorgan Chase Bank NA and several investment services firms since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, including ESG considerations, supported by centralized due diligence and a broad range of derivatives and commodities capabilities.

Johnny Liu is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and previously worked at Sushiholics, Asucla, the University of California, Los Angeles, and the West Covina Unified School District. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through detailed Recommendation Reports and ongoing advice. The firm uses a centralized team alongside financial advisors and employs a structured approach that incorporates proprietary research, algorithmic tools, and a defined investment universe.

Kimberly Sabol is a financial advisor at Cetera with 13 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Avantax Advisory Services and 1st Global Advisors. Outside of her advisory work, she manages several real estate investment entities and operates a tax and accounting services firm. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment solutions through a large network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary portfolio management options.

Jon Hubbert is a financial advisor with LPL Financial in West Covina, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. His prior roles include positions at Grove Point Investments, LLC, Grove Point Advisors, LLC, H. Beck, Inc., and Diversified Securities, Incorporated. He also operates Jon W. Hubbert, Inc. for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with support from various technology tools and investment strategies.

Anne Spitzer is a financial advisor with UBS Financial Services in Monrovia, CA, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and investment advisory services that combine proprietary research and model-based asset allocations with institutional trading capabilities and wealth management solutions.

Victoria Renne is a financial advisor with LPL Financial in Chino, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Frank R. Carey, EA, where she was employed for 29 years. In addition to advisory work, she owns a tax preparation and bookkeeping business as an enrolled agent. 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 broad range of financial planning and investment solutions, including advisory platforms, third-party asset management, and institutional services.

Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Amber Emmerson is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and Diversified Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Caley Kelly is a financial advisor at Thrivent Investment Management with three years of industry experience. Kelly holds Series 63 and Series 66 designations and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Prior to entering the financial sector, Kelly was involved with Fellowship Church for five years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm combines planning with managed-account programs under a consolidated billing option while maintaining separate planning and portfolio management services.

Ryan Hsu is a financial advisor with Equitable Advisors in San Marino, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Equitable Advisors since 2011 and has a prior affiliation with Axa Advisors. Outside of his advisory role, Hsu is involved with The Riley Group, Inc., where he serves as president and manages long-term growth operations, and he is an officer and board member of Titan Athletic Boosters, Inc., a local nonprofit organization. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers. The firm uses a range of advisory models and provides ERISA fiduciary services for qualified plans.

Steve Kim is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. His prior firms include Western International Securities, UBS Financial Services, Merrill, Morgan Stanley, and Ameriprise. He also acts as an agent in accident and health, life, and variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by advanced advisor tools and a broad non-advisory financial services platform.

Fu Lin is a financial advisor at Cetera with 22 years of industry experience and holds the Series 66 designation. Fu Lin has worked at Cetera and Cathay Bank since 2017 and previously held roles at OneAmerica Securities and American United Life. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large nationwide network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

Johnny Tan is a financial advisor with LPL Financial in Whittier, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at LPL Financial since 2010 and previously held positions at Citigroup Global Markets and Citicorp Investment Services. Outside of advising, he is involved in mobile software development through Zircos, Inc. and manages a blog called Coffee and Whiskey. 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 provides financial planning, model portfolios, third-party asset management, and institutional platforms, with a range of advisory strategies supported by research and technology tools.