Edwin Young Jr. is a financial advisor at Cetera with 29 years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Cetera and Cetera Wealth Services since 2019 and previously spent seven years at VOYA Financial Advisors. In addition, he owns Young's Tax & Financial Services, a business providing tax preparation, accounting, audit representation, and fixed insurance product sales. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, with more than 10,000 advisors and over $256 billion in assets under management.

Arthur Lin is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC for a combined ten years. He holds a real estate license and manages an asset management business alongside his advisory role. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning through written Recommendation Reports and ongoing advice. The firm’s investment approach incorporates proprietary research, third-party data, and specialized tools within a product ecosystem influenced by affiliated sub-advisers and fund arrangements.

Maria Vargas is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She focuses on building meaningful partnerships with her clients by understanding their goals, values, and financial circumstances to provide personalized financial guidance. Her professional experience includes positions as Relationship Manager (2023-2025) and Financial Representative (2021-2023) at Fidelity Investments, as well as roles as a Financial Service Professional at LA Pension Planners and Equitable from 2020 to 2021. She holds a California Insurance License. Outside of her professional work, Maria is involved in activities such as fitness, exploring culinary interests, social events with friends, caring for pets, traveling, and volunteering.

Oreste Volkert is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as President of the Brea Little League, overseeing league operations and community activities in Brea, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and affiliated banking programs.

Ying Gao is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She concurrently owns and supervises operations at Best Quality Food Company Inc, a meat distribution business. J.P. Morgan Securities LLC 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.

Shishir Shastry is a financial professional with Cetera, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at MassMutual, Prudential, and various financial and real estate firms. Outside of his advisory work, Shastry is involved part-time in real estate sales and promotes pharmacy discounts benefiting charities through a separate sales role. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Margarita Gover is a Series 66-registered financial advisor at Edward Jones with eight years of industry experience. She has worked at Edward Jones since 2018 and previously at Gexpro Services for three years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Jingdi Sun is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMC Bank NA since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ricardo Rosas is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Bank and JP Morgan Chase Bank. He is based in Baldwin Park, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Chou is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial. His career includes roles at firms such as Woodbury Financial Services, OSAIC, Centaurus Financial, and Fidelity. Outside of his advisory work, he serves as a city councilman for Diamond Bar, California, participating in local government activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm provides a range of investment solutions, including financial planning, model portfolios, third-party asset management, and retirement advice, supported by extensive advisor resources and technology.

Amy Mei is a financial advisor with UBS Financial Services in Brea, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She worked at Merrill from 2001 to 2016 before joining UBS, where she has been since 2016. Outside of her advisory role, she is the owner of a real estate rental business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-backed, model-based investment strategies tailored to client goals.

Ryan Tolan is a financial advisor at Ameriprise with 18 years of industry experience. He has held roles at Ameriprise and Ameriprise Financial Services, Inc. since 2007. He holds a Series 66 designation and is based in La Verne, CA. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing 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 a centralized consulting approach, with a focus on assets held in Ameriprise Managed Accounts and the use of algorithmic automation to generate tailored recommendations.

Denise Zapata is a financial advisor with LPL Financial and holds a Series 66 designation. She has 24 years of industry experience and previously worked with firms including Cambridge Investment Research Advisors, FSC Securities Corporation, and Citigroup Global Markets. Outside of advising, she owns Onyx Flower Medicine, LLC, a non-investment-related business. 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, third-party asset management, and institutional platforms, with a focus on supporting advisors through research and technology.

Phillip Kiriboon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Chase Investment Services Corp., and Wamu Investments, Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm typically employs model-driven investment implementation using portfolios developed by LPL’s Research Department and third-party strategists, while also offering financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Michael Nackerud is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2025, he spent eight years at TIAA and TIAA-CREF. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm utilizes structured planning tools and proprietary investment analysis to support client goals.

Yvette Garcia is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been affiliated with Wells Fargo in various capacities since 2009. Outside of her advisory work, she co-owns several small businesses with her spouse, including handmade crafts and a record label, and serves as vice president of a homeowners association. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and delivers tailored recommendations using proprietary research and tools.

Yihan Zhang is a financial advisor at Ameriprise with CFP® certification and Series 63 and 65 licenses. Zhang has prior experience at Goldman Sachs & Co. LLC and a background that includes studies at Columbia University. Outside of finance, Zhang has been involved with Vega Tax Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service delivering written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Benjamin Blum is a financial advisor with Cambridge Investment Research Advisors in Monrovia, CA. He holds Series 65 and Series 66 licenses and has 23 years of industry experience. Prior to joining Cambridge in 2021, he worked at firms including Cetera and Woodbury Financial Services. Blum is also an independent insurance agent and owner of business entities including Bless Holdings, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm employs both proprietary and third-party strategies, providing customizable investment solutions through various custody and platform arrangements.

Susan West is a CFP®-designated financial advisor with Morgan Stanley in Brea, California, bringing 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.