Juan Martin is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing, 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and a centralized due-diligence framework.

Yuko Matsuo serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, Yuko works with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Her approach reflects a commitment to understanding each client’s unique financial situation and priorities. Yuko’s expertise includes family wealth management, international wealth management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. She emphasizes working collaboratively with clients to tailor strategies that align with their objectives. Outside of her professional responsibilities, Yuko enjoys fishing, hiking, music, reading, singing, and spending time with her family. She also values community involvement, continuing the Merrill tradition of active participation in the communities served.

Sean Hegardt is a financial advisor at Morgan Stanley in Torrance, CA, holding a Series 66 designation with three years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2022, along with prior experience at the University of Arizona and Teksystems. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, providing advisory services that do not include individual security recommendations as part of standalone planning.

Jordan Horner is a financial advisor with Morgan Stanley in Rolling Hills Estates, CA, holding Series 63 and Series 65 licenses. He has five years of industry experience, including prior roles at E*TRADE Securities and Wells Fargo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering various advisory programs with a focus on tailored financial planning supported by firm-approved tools and structured discovery processes.

Lucy Hardy is a financial advisor with Morgan Stanley in El Segundo, CA, holding a Series 66 designation and 11 years of industry experience. She has worked at Morgan Stanley since 2017 and previously was affiliated with Financial Partners Credit Union and LPL Financial. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Eddie Rivera Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2017. Prior to that, he was employed at PFS Investments Inc. and Primerica Financial Services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis with an in-house due-diligence framework.

Allison Fujimoto is a financial advisor at Morgan Stanley with 10 years of industry experience. She has held positions at Morgan Stanley Smith Barney LLC since 2017 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. She holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services supported by firm-approved tools and modeling techniques.

Lucas Hyman is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has one year of industry experience and has previously been involved in business ventures including A Lucas Hyman Production, Inc. and Exit 39, Inc. He is also engaged with Unbothered, Inc. outside of his advisory role. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform that combines advisory services with active sales of financial products.

John Razon is a financial advisor with Fidelity Investments in Long Beach, CA, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Wells Fargo Advisors and Barnes & Noble, Inc. Outside of his advisory work, he provides luxury rideshare services as an independent contractor for both Lyft and Uber. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including multi-manager and fund-of-funds structures.

Asuka Sonoda is a Series 66-licensed financial advisor with two years of industry experience, currently with Ameriprise in Los Angeles. Prior to joining Ameriprise in 2024, she worked at Kondo Wealth Advisor and Yamada & Partners. She volunteers with the Volunteer Income Tax Assistance (VITA) program at the Little Tokyo Service Center, providing free tax preparation services to underserved individuals. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering customized recommendation reports that incorporate tax-efficient strategies and Social Security options. The firm combines research and modeling with algorithmic automation to support its advisory process while providing a broad range of brokerage and insurance solutions.

Eddie Wada is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors from 2012 to 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and delivers both brokerage and advisory solutions supported by research and analytics.

John Botica is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with Primerica Advisors since 1988 and Primerica Financial Services since 1991. Outside of his advisory role, he is involved in sales of home-related products and services, including mortgage loan products and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Nicolas Bamont is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and has worked within Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Since 2022, he has been involved in marketing activities at Red Bull North America. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers planning services through Financial Advisors and its Estate Planning Strategies Group.

Ni Mar is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Since 2015, Ni has also served as a branch manager at East West Bank, where responsibilities include building and developing branch staff, leading branch growth and customer retention, and handling business banking loan requests. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Ming Chung is a financial advisor with LPL Financial in Torrance, CA, holding Series 63 and Series 66 credentials and 22 years of industry experience. He previously worked at J.P. Morgan Securities for eight years before joining LPL Financial in 2020. Outside of his advisory role, he is involved in estate planning activities. LPL Financial serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, supported by proprietary and third-party research, and provides both discretionary and non-discretionary portfolio management.

Kristin Nickerson is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Fidelity, she worked at Citizens Bank and its affiliated entities from 2015 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, managing model portfolios across mutual funds, ETFs, and ETPs.

Luca Caligo is a financial advisor with UBS Financial Services, holding a Series 66 designation and beginning his advisory career in 2025. His prior work experience includes roles at the County of Sonoma, Kern County, and various retail and educational institutions. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, utilizing model-based asset allocations and proprietary research to tailor investment solutions. The firm combines wealth management with institutional trading capabilities and offers a broad range of financial services.

William Ruiz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 registrations, and has 31 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and planning tools, with clients having discretion over implementation through various brokerage or advisory programs.

Jesse Hinojosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and concurrently affiliated with Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services tailored to plan objectives, with an investment menu that notably includes insurance-related vehicles and bank deposit sweep options.

Lisa Quartarone is a financial advisor with Charles Schwab in Torrance, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. Outside of her advisory role, she serves as Treasurer for the West Village Homeowners Association. 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 a combination of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and access to alternative investments within a large, integrated platform.