Michael Crean is a Series 66-licensed financial advisor with LPL Financial, based in Upland, CA, and has 10 years of industry experience. He has worked at LPL Financial since 2016 and previously at California Financial Partners, Inc. from 2012 to 2023. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Bruce Lien is a Series 66-licensed financial advisor with Thrivent Investment Management, based in Brea, CA. He has three years of industry experience and has worked previously at American Fidelity and Randstad Holding. Outside of financial advising, he operates a laundry and dry cleaning business as a sole proprietor. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated planning and managed-account option called WealthPlan, while maintaining separate services.

Lupita Duenas is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, Wells Fargo Clearing Services LLC, Wells Fargo Bank NA, and J.P. Morgan Chase. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative investment process.

Sapphira Chow is a financial advisor at Cetera with 12 years of industry experience. Her background includes positions at JP Morgan Securities LLC and East West Bank. Outside of finance, she is a licensed real estate agent and part-owner of a dog daycare and boarding business, Family Paws Resort LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services and operates a multi-manager platform that includes model portfolios and third-party manager options.

Chunyi Lei is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds the ChFC® designation and the Series 66 license. Prior to joining J.P. Morgan Securities in 2016, she worked at Merrill and MSI Financial Services, Inc. She is also involved with AJ4properties, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative research and may include an ESG eligibility framework.

Lidan Zhang is a financial advisor at Cetera with four years of industry experience and holds a Series 66 designation. Prior to joining Cetera, Zhang worked at KCAL Insurance Company and East West Bank. Zhang took a year for extended travel between 2016 and 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various investment strategies and program structures.

Shane Gold is a financial advisor with J.P. Morgan Securities in Brea, California, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Kevin Bell is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, Wells Fargo, Edward Jones, and New York Life Insurance Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Michael Andrew Delgado is a Series 66-registered financial advisor with Edward Jones, based in Upland, CA. He has four years of industry experience, including prior roles at Merrill Lynch, Pierce, Fenner & Smith Inc./Bank of America, N.A., Helena Home, Inc., and LJMAM Home Care, Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Joanie Liu is a financial advisor with Wells Fargo Clearing in West Covina, CA. She holds a Series 66 designation and has 10 years of industry experience, all with Wells Fargo Clearing since 2016. 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.

Jamie Harwood is a CFP® professional with 20 years of industry experience and has been with Edward Jones since 2005. He holds Series 63 and Series 66 licenses. Outside of his advisory role, Harwood serves as Vice President of the Chino Youth Museum, where he participates in meetings and fundraising activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 financial advisors and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies and tax-efficient overlay services.

Anh Huynh is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc. and Independent Capital Management. In addition to his advisory role, he provides estate planning services as a Certified Citadel Estate Planner and offers various insurance products through Independent Capital Management. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services supported by a model-based investment process and multiple program options tailored to different client needs.

John Heller is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. His prior roles include positions at Cathay Bank and City National Securities, and he serves as a compliance officer for Cathay Bank. He is also a board member of his homeowner's association. Cetera Investment Advisers LLC is an SEC-registered firm providing a broad range of investment management and financial planning services to individual, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers diverse portfolio management options, including model portfolios, third-party managers, and customized strategies, with over $256 billion in assets under management.

Weihsiung Liang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 1999 and is also the owner of a CPA firm, Liang & Company Accountancy Corp, which provides accounting and tax services. Additionally, he works as an insurance agent, selling life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with access to affiliated and third-party managers.

Laura Guerrero is a CFP®-certified financial advisor at Ameriprise with 24 years of industry experience. She previously spent 21 years with Edward Jones before joining Ameriprise in 2020. Guerrero also owns Zaragosa Elite Wealth Management, LLC, a business that manages expenses for her Ameriprise franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, with an investment process that incorporates internal research, third-party data, and algorithmic tools.

Joseph Yu is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Joseph works closely with clients to develop personalized financial strategies aligned with their long-term goals. Born in China and having relocated to the U.S. at age eleven, Joseph's background includes a Bachelor's degree from the University of California and a Master's degree from Cornell University. Before transitioning to financial advising, he worked as an engineer for six years. He holds the Personal Investment Advisor (PIA) designation and communicates fluently in English and Chinese. Joseph supports community involvement through volunteering activities and pursues various personal interests such as basketball, biking, football, golfing, music, reading, running, swimming, and spending time with his family. He remains committed to providing tailored wealth management solutions and values the opportunity to work one-on-one with clients to help them pursue their financial objectives.

Edward Motley is a ChFC® credentialed financial advisor with 28 years of industry experience, currently with Mass Mutual Investors Services in Whittier, CA. His work history includes multiple tenures at Mass Mutual Investors Services and related entities, as well as experience at Cambridge Investment Research Advisors and LPL Financial. Outside of his advisory role, he is involved in life settlements consulting and provides legal service referrals related to estate planning. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on delivering written goal-based recommendations through collaborative annual planning engagements.

Andrew Fung is a financial advisor with Fidelity Investments, holding a Series 66 license and 15 years of industry experience. His career includes roles at Fidelity Personal and Workplace Advisors and a brief tenure at Merrill. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI technologies, and its advisory role with multiple registered investment companies.

Javier Lopez is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2017, alongside roles at JPMorgan Chase Bank, N.A. since 2015 and Circle K from 2021 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Andy Guardado is a Series 66-licensed financial advisor with Merrill in Montebello, California, with seven years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2010. Outside of his advisory role, he serves as a director for H & A Concrete Pump, a construction company involved in financing equipment for concrete pouring. 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 a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.