Ruben Munoz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2018, and previously held positions at Bank of America Corp. and several other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Emily Shipcott is a financial advisor with Edward Jones in Orange, CA, holding a Series 66 designation and one year of industry experience. She has worked with Edward Jones since 2025 and previously held roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ruben Tarkhanyan is a CFP® with 14 years of industry experience, currently serving as an advisor at OSAIC. His prior experience includes roles at Edward Jones, LPL Financial, BancWest Investment Services, the Boston Institute of Finance, AssetMark Brokerage, and J.P. Morgan Securities. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm uses model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools, and is notable for its scale, affiliate network, and recent consolidation activity.

Pedro Ureno is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing seven years of industry experience. He has previously worked at CUNA Brokerage Services and has been associated with SchoolsFirst FCU since 2015. 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 portfolio programs, third-party asset management, and institutional platforms.

Joseph Goldenberg is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association, since 2015 and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and approved tools, with an emphasis on advisory services rather than individual security recommendations.

Josiah Ball is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Western International Securities, Cambridge Investment Research Advisors, and SagePoint Financial, among others. He also serves as a non-variable insurance agent for Sphera Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, providing a range of financial planning, portfolio management, and institutional platforms.

Sure Oeng is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to his current role, he held positions at AD.IQ, The Container Store, Anteater Television, and Hotel Irvine. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with a focus on multi-asset model portfolios and both non-discretionary and discretionary investment options.

Jennifer Collins is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate agreements.

Ivan Castaneda Valle is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Anheuser-Busch Inc. Outside of his advisory role, he owns and operates Apex Vision Photography, LLC, a sports photography business focused on soccer tournaments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Claes Molander is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Nolan Dunn is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation. Prior to joining Schwab, his work history includes roles at Baylor University, Target, and Da Bianca Trattoria. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure combining advisory, brokerage, custody, and cash-sweep services.

Paul Leone is a financial advisor at Osaic with 34 years of industry experience. He holds a Series 63 designation and has worked at firms including Strategic Wealth Advisors Group, LPL Financial, Trilogy Capital, National Planning Corporation, Transamerica Financial Advisors, Investment Advisors International, and MSI Financial Services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and a multi-advisor platform.

Danielle Blunt is a CFP®-designated financial advisor with 26 years of industry experience, currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2014. She is also the owner of Blunt Wealth Services, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports various advisory programs and institutional consulting services.

Meng Tsai is a financial advisor with Morgan Stanley Wealth Management in Irvine, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked at several firms, including JP Morgan Securities and East West Bank, before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to support client goals.

Joel Perez Ramirez is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has been with Primerica Advisors since 2013 and also works with Primerica Financial Services since 2012. Outside of advisory roles, he receives compensation for part-time referrals of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors and also serves corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering model-based investment strategies alongside discretionary separately managed accounts.

Ailen Younanpour is a financial advisor with LPL Financial, holding the Series 63 and Series 66 designations and bringing 27 years of industry experience. His prior roles include positions at Edward Jones, Waddell & Reed, and the University of California Irvine. He is also involved with WRI Investments, a DBA related to his LPL business activities. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advisory representatives who utilize various investment strategies.

Stephen Rhorer is a financial advisor with Edward Jones in Tustin, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2020, he worked at SPX Corporation for 15 years. Outside of his advisory role, he is involved as a co-owner of a real estate holding LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm supports a large national network of advisors and branch offices, managing over $1 trillion in assets.

Jingxian Yu is a financial advisor at J.P. Morgan Securities with nine years of industry experience. Yu holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following six years at East West Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility criteria in its recommendations.

David Lowry is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Irvine, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models developed by its Global Investment Committee as part of its financial planning process.

Emmanuel Reynoso is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with PFS Investments Inc. since 2013 and Primerica Financial Services since 2011. Outside of advisory services, he serves as Owner and CEO of Emajen, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model portfolio strategies developed by unaffiliated asset managers.