Kylee Bowden is a financial advisor with Primerica Advisors who holds a Series 66 designation and has six years of industry experience. Her work history includes roles at Park Avenue Securities, Guardian Life Insurance, and Wells Fargo Advisors. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and fee-based advisory services, employing a mix of proprietary and third-party investment strategies alongside financial planning and business consulting.

Benjamin Wada is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. His prior roles include positions at Householder Group Estate & Retirement Specialists and LPL Financial. He is also an insurance agent with SB Group, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Kevin Mcdaniel is a financial advisor with Transamerica Financial Advisors in Orange, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His professional background includes roles in estate planning, mortgage lending, and insurance sales, along with educational positions such as adjunct business management instructor at Platt College Los Angeles and instructor at International Education Corporation. He also works with online estate planning and health insurance services through affiliated companies. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers advisory and broker-dealer services featuring proprietary and third-party model portfolios, with discretionary and non-discretionary options, and manages over $2 billion in client assets.

Clifford Kim is a financial advisor at Guardian Life with 24 years of industry experience and holds a Series 66 designation. His career includes 14 years at Prudential Insurance Company of America and recent roles at Park Avenue Securities and Guardian Life. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with a range of brokerage services, financial planning, and investment advisory programs.

Douglas Eaton is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 37 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models to support its financial planning services.

Christopher Caira is a financial advisor with MassMutual Investors Services in Los Alamitos, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with MML Investors Services and MassMutual Life Insurance Company since 2003. Outside of his advisory role, he is a co-owner of rental property businesses with his brother. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering a variety of investment and insurance solutions.

Kenneth Ibbetson is a financial advisor with Wells Fargo Clearing in Brea, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the sole owner of Nature's Realm, a business unrelated to his investment work. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets with more than 14,000 financial advisors.

Ernie Salgado is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and previously held roles at Bank of America and Continental Currency Services. 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 various organizations.

John Herzog is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. His prior roles include positions at Liberty Capital Strategists, Inc., Doma, Inc., and other firms. Outside his advisory work, he is the founder and CEO of Herzog Investment Management, where he provides personalized financial planning and investment management services, and he also works as an independent Uber driver. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and offers integrated brokerage and advisory services, financial planning, and access to multiple third-party investment platforms.

Huan Bin Lee is a financial advisor with Morgan Stanley, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, and previously at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2021. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Shelley Chidley is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2005. Outside of her advisory role, she serves on the board and the development and financial committee of Saints Simon and Jude School in Huntington Beach, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Kevin Qin is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, N.A., and Merrill, as well as time spent at the University of California and Arcadia High School. 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 individual and institutional clients.

Arya Hajari is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, Hajari held positions at several firms including Aramark, Capstone Financial Advisors, and GameStop. Outside of finance, Hajari works in the hotel industry at Studio 6, handling paperwork, check-ins, and basic maintenance. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves retail and institutional investors through discretionary portfolio management, fund advisory, and model portfolios.

Cheryl Hayden Rambeau is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research, model-based asset allocations, and institutional trading capabilities to tailor financial plans and portfolio management.

Mark Weber is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Woodbury Financial Services, Inc. for 15 years. Weber is the owner of Weber Wealth Advisors, a sole proprietorship providing investment advisory services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services utilizing asset-allocation tools, risk-tolerance assessments, and automated portfolio rebalancing across multiple investment vehicles.

Todd Buchner is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. In addition to his advisory role, he owns CADOX LLC, a related business based in Long Beach, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a large network of advisors. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop customized recommendations.

Robert Meaux Jr. is a financial advisor at Thrivent Investment Management in Anaheim, CA, with 25 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he participates voluntarily in market research focus groups for a consumer research firm. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers goal-based planning and managed-account programs while keeping planning and implementation services separate.

Ronald Rand is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of advising, he serves on the board of the Children's Dental Foundation and owns a racehorse managed by a trainer. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model simulations to support client financial strategies.

Benjamin Ling is a financial advisor with UBS Financial Services in Brea, California, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Ling serves on an advisory committee for the Taiwanese American Citizens League, providing guidance to national and local boards. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Nancy Woo is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 24 years of industry experience. Her prior roles include positions at SchoolsFirst FCU, CUNA Mutual Group, The Leaders Group Inc, and Westland Financial Services Inc. Outside of advising, she is involved with SchoolsFirst Federal Credit Union as a life and long-term care insurance specialist. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.