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.

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.

Illya Williams is a financial advisor with Merrill in Ontario, CA, holding a Series 66 designation and 8 years of industry experience. His prior work includes roles at Bank of America, US Bank, and Wells Fargo Bank. Outside of finance, he is an independent consultant for Pampered Chef, where he sells kitchen tools through in-person and online events. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering strategic asset allocation and tax-aware investment options.

David Marquis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Merrill and AXA Advisors, LLC. 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 institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Ronald Morales is a Series 65-credentialed financial advisor with Primerica Advisors in Anaheim, CA, with 39 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure alongside ongoing manager oversight.

Ruben Munoz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018, with prior experience at Bank of America and several other firms. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Pedro Ureno is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing seven years of industry experience. He has previously worked at CUNA Brokerage Services and has been associated with SchoolsFirst FCU since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and at Morgan Stanley since 2009, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

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.

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.

Nolan Dunn is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation. Prior to joining Schwab, his work history includes roles at Baylor University, Target, and Da Bianca Trattoria. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure combining advisory, brokerage, custody, and cash-sweep services.

Paul Leone is a financial advisor at Osaic with 34 years of industry experience. He holds the Series 63 designation and has previously worked at Strategic Wealth Advisors Group, LPL Financial, and WealthPLAN Partners. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services using a range of portfolio construction tools and offers access to multiple advisory platforms and third-party money managers.

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.

Robert Foley is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has served on the City of Orange, CA Finance Committee since 2014 and operates Foley Financial Inc., his incorporated practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals, supported by advanced analytical tools and a range of advisory programs.

Joel Perez Ramirez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He has been with Primerica Advisors since 2013 and Primerica Financial Services since 2012. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-based investment strategies managed by third-party asset managers and supports accounts through BNY Mellon Advisors and Pershing.

Stephen Rhorer is a financial advisor with Edward Jones in Tustin, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2020, he worked at SPX Corporation for 15 years. Outside of his advisory role, he is involved as a co-owner of a real estate holding LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm supports a large national network of advisors and branch offices, managing over $1 trillion in assets.

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.

Emmanuel Reynoso is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with PFS Investments Inc. since 2013 and Primerica Financial Services since 2011. Outside of advisory services, he serves as Owner and CEO of Emajen, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model portfolio strategies developed by unaffiliated asset managers.