Peter Philipp is a CFP® and CFA® with 26 years of industry experience, currently working at Cambridge Investment Research Advisors since 2005. His prior experience includes self-employment and roles with Cambridge Investment Research, Inc. Outside of advisory work, he has served as an instructor teaching college-credit investment courses at UC Berkeley and is involved in publishing through The Essential Library. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers a range of financial planning and investment management services delivered through a network of independent Financial Professionals, utilizing proprietary and third-party model strategies across multiple platform arrangements.

Jijun Zhang is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of finance, he co-founded Learnmodernchinese.com, an educational initiative focused on language and culture. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services across a nationwide network of independent advisors.

Jonathan Wang is a CFP® with 13 years of industry experience, currently with Wells Fargo Clearing. He previously worked at Charles Schwab Bank, SSB, Charles Schwab, Fidelity Brokerage Services LLC, and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Tammy Macarthur is a Series 66 licensed advisor with five years of industry experience, currently affiliated with LPL Financial in Tustin, CA. Her work history includes roles at LPL Financial since 2021, Darci Kelley from 2016 to 2019 and ongoing, as well as Waddell & Reed Inc. and various insurance carriers associated with W&R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, diverse advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Junru Ma is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 65 and Series 63 designations and has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2019, following prior roles at Haitou LLC, California Actuarial Consultants, and the University of California, San Diego. 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 an ESG eligibility framework in its recommendations.

David Matthey is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1990, he has worked with affluent individuals and families to address their financial needs through customized wealth management strategies. His approach emphasizes understanding each client's financial situation, risk tolerance, and time horizon to develop personalized plans aligned with their goals and priorities. He collaborates with clients to periodically review their strategies to ensure continued alignment with life changes. With over three decades in the financial services industry, David has expertise in areas such as family wealth management, legacy planning, retirement income, and philanthropic planning. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). David earned a Bachelor’s Degree in Business Administration and Finance from California State University, Fullerton. David resides in Irvine with his wife and four children. He is involved in his local community, supporting organizations such as the Anaheim family YMCA, Ginny’s Kids, and Kiwanis International. Outside of work, he enjoys baseball, music, reading, and traveling.

Jeffrey Heimstaedt is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2014 to 2016. Outside of his advisory work, he owns a webcam business based in Newport Beach, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related products and bank deposit sweep options.

David Teper is a financial advisor at OSAIC with 11 years of industry experience. He held a Series 66 designation and previously worked at Lincoln Financial Advisors for 11 years before joining OSAIC in 2025. Outside of his advisory role, he is involved as an agent offering fixed insurance and annuities, and assists clients with life settlements. OSAIC serves a broad range of clients including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk assessments to construct diversified portfolios that incorporate stocks, bonds, mutual funds, ETFs, and alternative investments.

Stephen Wight is a financial advisor with Charles Schwab in Irvine, California, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at TD AMERITRADE Inc. for 12 years before joining Charles Schwab and its affiliated bank. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a formal alternative-investment onboarding process.

Arezoo Agharezakashi is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan and Wells Fargo in various capacities since 2016. 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.

Sophie Spiegel is a financial advisor at Osaic with a Series 66 credential and one year of industry experience. Prior to joining Osaic, she was with Spiegel Financial for one year and spent six years at R1 RCM. She also took time for extended travel and full-time education earlier in her career. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, leveraging asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a range of investment types.

Keith Tran is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2011. His prior roles include positions at Merrill, Banc of America Investment Services, and Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management and delivers advisory services supported by proprietary research and model-based asset allocation.

Corey De Mers is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and is also affiliated with JPMorgan Chase Bank, N.A. since 2010. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hooman Karbasion is a CFP®-certified financial advisor with 15 years of industry experience, currently practicing at Edward Jones since 2017. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. He serves as a Finance Committee Member for the Presbyterian Church of the Master in Mission Viejo, CA, where he reviews investment policy and financial statements. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 financial advisors. The firm operates under a fiduciary standard and provides both discretionary and non-discretionary strategies, with affiliated capabilities including a trust company and proprietary mutual funds.

Anthony Erenyi is a CFP® professional with 37 years of industry experience. He has worked at LPL Financial since 2024 and previously spent 22 years at Crown Capital Securities, L.P. He is also involved with TSE Financial Inc., an entity related to his LPL business, and engages in fixed insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party subadvisors, and research from LPL Research.

Jerice Walker is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank and Wells Fargo Advisors since 2010. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional financial products.

Cameron Price is a financial advisor at UBS Financial Services with seven years of industry experience. He has worked at UBS since 2018 and previously held roles at Abercrombie & Fitch and Millennium Systems. He holds a Series 66 designation and is based in Irvine, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides proprietary research and capital markets services.

Matthew Carlson is a Financial Consultant currently working at Fidelity Investments. He has held several roles within the financial services industry, including Planning Consultant at Fidelity Investments from 2021 to 2023, Financial Solutions Advisor at Merrill Edge from 2020 to 2021, and Workplace Planning Consultant at Fidelity Investments from 2018 to 2020. He holds insurance licenses in Arkansas and California. Matthew's approach focuses on understanding individual clients' goals, needs, and wants to collaboratively create comprehensive financial plans. Outside of his professional work, Matthew has interests in art, cars, cooking and baking, fitness, movies, and outdoor adventures.

Paulo Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has also worked at Wells Fargo Bank, N.A. since 2007. Outside of his advisory role, he is a co-owner of Fresh Paws Mobile Spa LLC and Guardian Assisted Living LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, and it includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Ernest Martinez is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. He has been a financial advisor since 1991 and holds the designation of Personal Investment Advisor (PIA). In his role, Ernest serves clients by integrating retirement planning, wealth transfer, insurance, and lending services to build a customized approach to overall wealth management. He is also a qualified Portfolio Manager, managing discretionary personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Ernest graduated from the University of Southern California in 1991. He focuses on areas including managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. As an advisor, he aims to connect all aspects of a client’s financial life to help prioritize and pursue their important goals. Outside of his professional work, Ernest resides in San Clemente with his wife and two daughters. His personal interests include golfing, skiing, surfing, and yoga. He is also involved with the Surfrider Foundation. Lending services are provided through Bank of America, N.A.