Joseph Garza is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Joseph has a bachelor's degree from the California State University System. Further details about his experience, specific expertise areas, or personal interests have not been provided.

Brett Sanner is a financial advisor with Raymond James Financial in Upland, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at Raymond James since 2001 and operates his own firms, Sanner Capital Management and Sanner Financial Services. Outside of advising, he is involved in insurance planning, including indexed annuities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized services including municipal advisory and SIMPLE IRA employer consulting.

Kristin Charlebois is a financial advisor with Osaic, holding a Series 66 designation and three years of industry experience. She has worked with Royal Alliance Associates, Inc. since 2023 and has been involved with Pension Portfolios at Royal Alliance Associates since 2004. Outside of her advisory work, Charlebois provides notary public services as a courtesy to clients. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services featuring model-based asset allocation and portfolio optimization, with options for discretionary management and third-party money managers.

Wenyong Hu is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, and Wells Fargo Bank. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ricardo Olvera Jr. is a financial advisor with J.P. Morgan Securities in Whittier, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked at JP Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence process and incorporating an ESG eligibility framework.

Flavia Lo Coco is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Western International Securities, RJJ Pasadena Securities, Morgan Stanley, Citigroup Global Markets, and Citicorp Investment Services. Outside of her advisory role, she is a business owner of Flavia Production Design. 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, model portfolios, third-party asset management, and institutional platforms.

Thanh Nguyen is a Financial Consultant currently working at Fidelity Investments since 2021. Prior to this role, Thanh has accumulated experience as a Private Client Advisor at JP Morgan from 2019 to 2021, a Financial Planner at Prudential in 2019, and a Financial Advisor at Wilson Financial Advisors from 2016 to 2019. Thanh holds a California Insurance License. Thanh focuses on building long-term relationships with clients to understand their unique financial goals and needs. Thanh's approach includes providing a holistic view of wealth planning, encompassing financial planning, investment strategies, and tax-efficient investing, often aiming to support clients across multiple generations. Outside of professional commitments, Thanh enjoys badminton, gardening, hiking, and soccer.

Phillip Bracey is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. He has been associated with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of advisory work, he owns and operates tax preparation services and serves as a church elder at Kindred Outreach Ministries Inc. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, institutional, and retirement plan clients. The firm offers a multi-manager platform with diverse portfolio management options and financial planning services.

Beichen Thakral is a financial advisor with Merrill in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Prior to joining Merrill, Thakral worked at Bank of America, Raymond James Financial Services, First Hawaiian Bank, BancWest Investment Services, and BCCA International. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Brian Cobian is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 15 years of industry experience. He previously worked at OneAmerica Securities and American United Life from 2011 to 2026. Outside of advisory work, he is involved in tax services through AAABC Tax Services, Inc., where he is a business owner. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Kevin Tolan is a financial advisor with Ameriprise in La Verne, CA, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is the owner of Trinity Family Ventures, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Melissa Robman is a CFP® and holds a Series 66 license with 10 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over 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, managing approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

Sisi Wu is a financial advisor with Cetera who holds a Series 66 designation and has nine years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, HSBC Securities USA, Axa Advisors, and Bank of America. Outside of her advisory work, she is the sole owner of 810 Jarrow LLC, a rental property business. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing more than $256 billion in assets.

Stephanie Lee is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2015, previously working at AC Real Estate Services, Inc. and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research supported by a centralized manager solutions team and includes capabilities in derivatives and commodities.

Diana Chan is a financial advisor at LPL Financial with 14 years of industry experience. She holds the Series 66 designation and has worked at firms including J.P. Morgan Securities, Bancwest Investment Services, and Bank of the West. Her current role at LPL Financial began in 2023. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Sarah Zhu is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. Her prior work includes positions at Bank of America and Wells Fargo. She has also worked at the University of California, Irvine. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Darice Tsai is a Series 66-licensed financial advisor with Edward Jones in Glendora, CA, where she has worked for 10 years and has 11 years of industry experience in total. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

John Cao is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and five years of industry experience. His prior roles include positions at Merrill and Bank of America. Outside of his advisory work, he owns and operates an e-commerce business reselling clothing, tickets, and cards. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

Sean Bracey is a ChFC® and Series 66-registered financial advisor with 16 years of industry experience. He is currently with Cetera and has previously operated Bracey Tax & Financial Services, where he provided tax preparation and financial planning services. Outside of his advisory work, he serves on the finance committee of Life Bible Fellowship Church. Cetera Investment Advisers LLC is a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients across discretionary and non-discretionary investment programs, offering access to a variety of model portfolios, third-party managers, and customized strategies.

Berta Gordon is a Series 66–licensed financial advisor with 15 years of industry experience. She is currently affiliated with LPL Financial and BMO Bank NA, where she serves as a Senior Private Client Advisor and Vice President. Her prior roles include positions at Merrill, Bank of America, J.P. Morgan Securities, and Wells Fargo. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with both discretionary and non-discretionary strategies.