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.

Richard Fernandez is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Steven Flores is a financial advisor at Ameriprise with two years of industry experience. He previously worked at MWA Financial Services and Modern Woodmen of America. Flores serves on the Board of Directors for Unidos Por CHOC, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research and modeling with tax-efficient strategies to deliver tailored recommendations.

Carolyn Tinkham is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of her advisory role, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on services for individual investors rather than institutional or pension plans.

Narriman Sanchez is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its related entities since 2007. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Dorian Harris is a financial advisor at Merrill with a Series 66 designation and 17 years at the firm. He has three years of industry experience. 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 strategies for a range of individual and institutional clients.

Antonio Sepulveda Jr. is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has worked at firms including American Honda Finance Corporation and Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Nick Milazzo is a CFP® with 21 years of industry experience. He currently works at LPL Financial and previously operated The Nick A Milazzo Group for nine years. He has a background in insurance sales spanning over 17 years with various carriers through W & R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers financial planning, advisory programs, and retirement plan consulting with both discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Brittany Richard is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. Her prior work includes roles in rental management, marketing, and agency positions. She is involved in Richard Rental Management, an entrepreneurial venture outside the financial industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Erick Gonzalez is a financial advisor with Primerica Advisors in Ontario, CA, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior work includes roles at Revolution, Digital Intelligence Systems, Randstad Technologies, and Cameo Consulting. Outside of his advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed accounts. The firm employs third-party asset managers and uses a tiered wrap-fee structure.

Alan Zhao is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. He previously worked at J.P. Morgan Securities for two years and has held roles at Bank of America, N.A., and JPMorgan Chase Bank, N.A. Zhao has also been affiliated with Boston University and the University of California, Berkeley. 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 strategies for a range of client types including individuals, high-net-worth clients, and organizations.

Michael Chow is a financial advisor at Charles Schwab with 32 years of industry experience. He holds the Series 63 designation and has been with Charles Schwab since 1997, including roles at Charles Schwab Bank. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with integrated brokerage, custody, and advisory services.

Richard Crean is a financial advisor with LPL Financial, holding a Series 66 designation and over 48 years of industry experience. He worked at California Financial Partners, Inc. for 22 years and has been with LPL Financial for 25 years. Crean serves as a director at Pomona Valley Hospital Medical Center outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Amanjit Bains is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and previously worked at Stater Bros Markets. Outside of his advisory role, he is involved as a content creator producing video game guides and streaming. J.P. Morgan Securities LLC 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Louis Dong is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2013, also working at JPMorgan Chase Bank since 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Carlos Bolanos is a CFP® with 38 years of experience in financial advisory and tax preparation. He has worked at Cetera since 2025 and previously spent nearly three decades with Avantax Advisory Services and its related entities. In addition to his advisory work, Bolanos owns an accounting and tax preparation business where he personally prepares tax returns and provides tax planning for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures.

Chase Golightly is a Financial Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2023 to 2024. Before joining Fidelity, Chase worked as a Senior Associate at KPMG from 2020 to 2023. In his current role, Chase collaborates with individuals and families to define financial goals and develop comprehensive retirement plans and personalized investment strategies tailored to each client's unique financial needs. He holds a California Insurance License, which supports his work in the financial services sector. Chase is committed to giving back to his community by assisting clients in achieving their financial objectives through careful planning and strategy development.

Alex Salas is an Investment Consultant currently with Fidelity Investments. In this role, Alex helps individuals and families develop personalized financial plans and investment strategies aimed at achieving their financial goals. Alex's professional experience includes serving as a Financial Representative at Fidelity Investments from 2022 to 2023, and as a Jr. Financial Advisor at One Pacific Securities from 2021 to 2022. Alex holds a California Insurance License. Outside of work, Alex enjoys running and snowboarding.

Lanfeng Zhao is a financial advisor with Cetera, holding a Series 66 credential and bringing 24 years of industry experience. Zhao has worked at Cetera and its related entities since 2002 and also owns EZ & Company CPA Inc, a firm providing accounting, tax, and consulting services. Additionally, Zhao is involved in e-commerce through EZ FAB LLC. Cetera Investment Advisers LLC is a nationwide registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Polus Ting is a Financial Consultant at Fidelity Investments, a role he has held since 2019. In this position, he works closely with clients to help them and their families achieve financial confidence through personalized planning tailored to their unique situations. His approach emphasizes building personal relationships based on understanding and genuine care. Prior to joining Fidelity, Polus served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2013 to 2019. His experience spans various aspects of financial consulting and wealth management. He holds a California Insurance License, supporting his capacity to provide comprehensive financial guidance. Outside of his professional work, Polus has personal interests that include cars, family activities, hiking, and music.