Pamela Knight is a financial advisor with MassMutual Investors Services in Los Angeles, CA, holding a Series 66 designation and 17 years of industry experience. Her prior roles include positions at BlackRock Investments, Franklin Templeton, Legg Mason Investor Services, and American Independent Securities Group. Outside of her advisory work, she is co-owner of Scratchfoto, LLC, a photography app connecting photographers. MassMutual Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved tools to deliver collaborative, goal-oriented recommendations.

Erika Noble is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing and Wells Fargo Bank. Outside of her advisory role, she was involved with Shisha Sisters LLC for three years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Alec Hoag is a CFP® certificant with eight years of industry experience, currently affiliated with LPL Financial. He previously worked at Lincoln Financial Advisors for eight years and briefly at Keenan Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and corporations. The firm provides various advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Cindy Tang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Bank since 2000 and has been with Wells Fargo Clearing since 2016, including a five-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services tailored to plan objectives and risk tolerances. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Leonor Zamora is a financial advisor with J.P. Morgan Securities LLC in Downey, CA, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. She has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm focuses on non-discretionary advice through its Institutional Consulting Services program.

Pamela Mckenzie is a financial advisor with LPL Financial in Cerritos, CA, holding a Series 66 designation and 20 years of industry experience. She has been with LPL Financial since 2016 and previously worked at Guardian Life. Pamela also operates McKenzie Wealth Management, Inc., a business related to her advisory services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management through a broad array of model portfolios and research resources.

Christopher Elkin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He began his career with Fidelity in 2008, progressing through roles including Financial Representative, Investment Representative, and Financial Consultant. His professional focus is on building strong client relationships and collaboratively developing financial plans that are regularly reviewed and tailored to meet client goals. Christopher's approach centers on proactive service and being a primary resource for his clients' financial planning needs. He holds a California Insurance License, supporting his work in financial consulting. His dedication to following financial markets enables him to serve clients effectively, regardless of their experience level.

Emmanuel Asuncion is a financial advisor at Cetera with 16 years of industry experience. He holds a Series 66 designation and has held numerous roles within the Cetera network since 2018. His prior experience includes working with Northwestern Mutual Wealth Management Company and several individual advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and consulting services through a multi-manager platform with a variety of program options and custodial relationships.

Jerry Sheby is a CFP® professional with 39 years of experience in the financial advisory industry. He has been with LPL Financial since 2017, following an eight-year tenure at National Planning Corporation. Sheby also operates Sheby Financial Group, offering tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options supported by in-house and third-party research.

John Coon is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he leverages the global resources of Merrill Lynch and the banking services of Bank of America, N.A. to meet the complex financial needs of affluent clients. His client focus areas include Corporate Executive Services, Executive Compensation, and Tax Minimization. John has over fifteen years of experience in the financial services industry. Before joining Merrill Lynch in 2018, he worked at Catalyst Funds, Lightstone Capital Markets, and Grubb & Ellis Realty Investors. He holds a bachelor's degree from the University of California, Los Angeles (UCLA) and maintains Series 7, 24, 63, and 65 FINRA registrations. Additionally, he has earned professional designations as a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Born and raised in Newport Beach, John played volleyball at UCLA, where his teams won NCAA Division I titles in 1998 and 2000. He resides in Newport Beach with his wife and two children. John serves as an active board member of the Pediatric Cancer Research Foundation. Outside of his professional commitments, he enjoys surfing, fishing, playing guitar and piano, and coaching his son's baseball team.

Ulysses Enario is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2018, following prior roles at Bank of America and Merrill. 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. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Ann Villar is a financial advisor with Ameriprise, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Ameriprise and its affiliates since 2010. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income program employs a centralized service team and proprietary tools to deliver ongoing advice, with investment options influenced by its affiliated product ecosystem.

Chris Lopez is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2022. He has been part of Fidelity Investments since 2018, initially serving as a Financial Consultant. Prior to his tenure at Fidelity, Chris gained extensive experience in the financial services industry, including roles as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, an Insurance Consultant at C & S Insurance Agency from 2010 to 2015, a Vice President Financial Consultant at Charles Schwab from 2002 to 2010, and as a Financial Advisor at A.G. Edwards from 2001 to 2002. Chris holds a California Insurance License, supporting his qualifications in the financial and insurance sectors. His professional focus is on assisting clients and their families with their financial needs while maintaining a high level of integrity.

Matthew Oconnor is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. He has worked at Fidelity Investments since 2025 and has prior experience in a variety of roles, including positions at CFG Wealth Management and La Jolla Kayak. Fidelity's affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees both discretionary and non-discretionary advisory services.

Juan Garcia is a Financial Consultant at Fidelity Investments. He holds the designation of CERTIFIED FINANCIAL PLANNER™ professional and collaborates with clients to identify their financial needs and to introduce them to Fidelity's resources and strategies aimed at achieving their desired goals. Juan has been with Fidelity Investments since 2016, holding various roles including Customer Experience Associate, Financial Representative, Relationship Manager, Planning Consultant, Investment Consultant, and currently Financial Consultant since 2022. He is licensed with a California Insurance License. Outside of his professional work, Juan enjoys baseball, golf, soccer, outdoor adventures, family activities, and social events with friends.

Anthony Corce is a financial advisor with Cetera Financial Specialists, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. Prior to joining Cetera in 2024, he worked at LPL Financial for nine years. Cetera Investment Advisers LLC is an SEC-registered firm that provides services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing multiple program structures and a multi-manager platform with both affiliated and third-party investment options.

Helen Kim is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with MML Investors Services, LLC since 2017 and MassMutual Life Insurance Co since 2015. Outside of her advisory role, Kim teaches at the Southern California Korean School. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s planning approach involves collaborative, annual engagements using software tools to analyze client goals and deliver written recommendations.

Suzy Zeng is a Financial Advisor with Merrill Lynch Wealth Management, where she works with professionals, business owners, and retirees to build financial confidence through personalized and holistic strategies. She utilizes the comprehensive resources of Merrill and Bank of America, including Personal Wealth Analysis tools, the Chief Investment Office, and specialized teams in loans, banking, and alternative investments, to offer disciplined and insight-driven guidance. Suzy holds FINRA Series 6, 7, 63, and 65 registrations, as well as life and health insurance licenses, and advises clients on wealth management strategies, retirement planning, business investments, and family protection. Before joining financial services in 2018, Suzy held global corporate roles with PepsiCo, Kraft Foods, and Danone/WhiteWave, focusing on business and product innovation initiatives and joint venture due diligence. Her background in financial services, corporate leadership, and entrepreneurial ventures contributes to a multidimensional perspective on wealth planning, business growth, and tax-efficient decision making. She is the co-founder of Z Choice International LLC, where she shares food and nutrition expertise to provide practical wellness guidance. Suzy holds a Master's Degree from the University of Minnesota Twin Cities and a Bachelor's Degree from Beijing Normal University. She is proficient in English and Chinese. She is involved with the University of Colorado Boulder's Leeds School of Business and the University of Denver's Daniels College of Business. Outside of work, she enjoys badminton, cooking, pickleball, spending time with family, table tennis, and yoga.

Krista Johnson is a Planning Consultant at Fidelity Investments, where she collaborates with clients to understand their family needs and goals, helping to develop and adjust financial strategies accordingly. She has been with Fidelity since 2019, initially serving as a Financial Consultant before assuming her current role in 2025. Her professional experience spans multiple roles in the financial services industry, including positions as an Investment Consultant at Transamerica Financial Advisors and Pacific Advisors from 2016 to 2019, Sales Development Group Manager at The Private Bank, MUFG Union Bank from 2012 to 2015, Nonprofit Business Development Manager at The American Funds Group from 1999 to 2009, and Client Relationship Manager at Capital Research and Management Company from 1992 to 1999. She holds a California Insurance License. Outside of her professional work, Krista enjoys attending concerts, playing golf, spending time with pets, reading, singing, and skiing.

Timothy Denton is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding Series 63 and Series 66 licenses and with 16 years of industry experience. He has been with MML Investors Services Inc. since 2009 and associated with Mass Mutual since 2008. In addition to his advisory role, he is an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and structured annual planning relationships without discretionary authority.