Stephen Murdock is a CFP® with 52 years of industry experience. He is currently with Cetera and has previously worked at Quantum Econometrics, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates as a multi-manager platform with various program options.

Hannah Pozzebon is a Planning Consultant at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments since 2021 in various roles, including Relationship Manager, Financial Representative, and Customer Relationship Advocate. Hannah's approach focuses on understanding clients' short- and long-term financial goals and working in partnership with individuals and their families to support their financial planning needs. She aims to build strong and lasting relationships grounded in trust. She holds a California Insurance License. Outside of work, Hannah has interests in cooking and baking, movies, music, pets, soccer, and volunteering.

Jordan Priest is a Series 66-credentialed financial advisor with eight years of industry experience, currently serving at LPL Financial since 2019. His prior roles include positions at Royal Alliance, Benefit Funding Retirement Services, and CT Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm offers a range of financial planning and asset management solutions, employing both discretionary and non-discretionary strategies supported by research and technology tools.

Aamir Lalani is a financial advisor with Wells Fargo Clearing in San Dimas, CA, holding Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Wells Fargo Bank, loanDepot, Smartbiz Loans, and Walter's Audi Ontario. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Peter Wang is a Series 66-licensed financial advisor with 10 years of industry experience, currently affiliated with LPL Financial in Brea, CA since 2021. Prior to joining LPL, he worked at Waddell & Reed Inc and various insurance carriers for W&R Insurance Agencies from 2016 to 2021. 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 range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset exposures.

Lauren Wong is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in assisting individuals and families with college education planning, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. Her professional approach is centered on understanding each client's unique story, priorities, and aspirations to provide tailored financial guidance. Before entering the financial services field, Lauren built her career in nonprofit fundraising and the museum sector, focusing on cultivating relationships and supporting meaningful causes. This experience informs her client approach, emphasizing listening, building trust, and guiding clients according to their needs. Lauren holds a Bachelor's Degree from the University of California System and a Master's Degree from George Washington University. She has earned designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her advisory role, she volunteers with the Richard Nixon Presidential Library, managing the internship program and mentoring students and young professionals.

Alma Gonzalez Monarrez is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2014 and also has a role with Technicolor USA Inc. Her other business activities include sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio management services focused on individual rather than institutional clients.

Choong Kim is a financial professional with four years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Western Southern Life and New York Life. In addition to his role at Cetera, he is involved with Strategic Fortune Wealth Management, where he works with individuals, families, and businesses on financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Shawna Gwin is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2000. Outside of her advisory work, she is the managing member of Midnight Performance LLC, a business involved in marine and automotive parts and boat service and repair. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Clarissa Schnabel is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ching Yu Lam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. Lam holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, and Wells Fargo Bank. Before entering the banking industry, Lam spent two years at Los Angeles City College. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Gerald Whyte is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He is involved in a family tax and accounting practice, Whyte and Associates Inc., where he prepares individual tax returns and manages sales. He also supports operations at Pinnacle Wealth Management Inc., contributing to client service and marketing. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures.

Kevin Etter is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has worked previously at SagePoint Financial, LPL Financial, and CML Wealth Management. In addition to his advisory role, he serves as a financial consultant at Veater Financial Group. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a broad range of asset classes, offering both discretionary and non-discretionary account management.

Ryan Newman is a Financial Consultant at Fidelity Investments, where he currently focuses on assisting families with comprehensive retirement plans and personalized investment strategies. He has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Ryan's professional background includes experience in financial consulting and planning, as well as banking, having worked as a Personal Banker at Wells Fargo from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan enjoys baseball, fishing, football, hiking, music, and spending time with his pets.

Christopher Zambrano is a CFP® professional affiliated with LPL Financial, with 14 years of industry experience. He previously held roles at Wells Fargo Clearing, Wells Fargo Advisors, and Wells Fargo Bank. Outside of his advisory work, he earns royalty income from a music-related business. 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.

Jacqueline Quiroz is a Series 66-licensed financial advisor at Morgan Stanley in Brea, CA, with 12 years of industry experience, all of which has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Secular Return Estimates and Monte Carlo simulations, as part of its financial planning process.

Douglas Forcheskie is a financial advisor with Raymond James Financial in Upland, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2002 and has worked within Raymond James Financial since 2009. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, with a distinctive affiliation to a municipal advisor and specialized consulting programs.

Edson Nieto Ramirez is a financial advisor with Primerica Advisors in Ontario, CA, holding Series 63 and Series 65 credentials and having nine years of industry experience. His work history includes longstanding roles at PFS Investments Inc. and Primerica Financial Services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering advisory services through model-delivery strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing.

Mitsue Yang is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021, following prior roles at UnionBanc Investment Services and MUFG Union 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maida Talens is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and seven years of industry experience. Her previous roles include positions at Transamerica Financial Advisors, Inc. and World Financial Group, Inc. Outside of advising, she works as a registered nurse and as a case manager/transplant coordinator. 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 financial planning and asset management services through a large network of investment adviser representatives, utilizing both proprietary and third-party strategies.