U Lopez is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at both Bank of America and Merrill Lynch since 2009 and 2011, respectively. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm operates as part of Bank of America’s broader platform, which includes access to various financial products and services.

Ryan Chau is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank since 2010. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Avani Kothari is a Financial Advisor with the Kothari Group at Merrill Lynch Wealth Management. She provides tailored financial advice designed to align with the values and goals of the families and individuals she serves. Avani began her career in wealth management through an intensive training program in New York City, developing a strong foundation in client-focused financial planning. She specializes in socially responsible, values-based, and ESG investing, as well as supporting women and clients in sports and entertainment sectors. Avani earned her Bachelor's degree in Political Economy with a concentration in Financial Economics from the University of California, Berkeley. She holds the Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™) designations. These credentials reflect her commitment to providing in-depth, high-quality financial guidance. Outside of her professional life, Avani is a certified yoga instructor and is passionate about wellness and balance. She and her fiancé recently moved back to Southern California after living on the East Coast for three years. Avani's personal interests also include pickleball, running, tennis, and spending time with her family.

Chris Alvarado is a financial advisor with Edward Jones in Corona, CA, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Edward Jones, he worked at US Bancorp and has been involved with Dale Carnegie Training as a certified trainer since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Kenneth Chung is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, previously working at JPMorgan Chase Bank, N.A. since 2025. 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. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

George Haro is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on connecting all aspects of his clients' financial lives to help prioritize and pursue their most important goals. He works closely with clients on areas including college education planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. George holds a High School Diploma from Jefferson High School and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual, fluent in both Spanish and English. Outside of his advisory role, George is involved in community activities including volunteering with Habitat For Humanity and participation in organizations such as Claremont Fastpitch and Kiwanis International. He enjoys coaching his children, spending time with his family, playing basketball and softball, watching movies, and woodworking.

Gustavo Rodriguez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., with tenures spanning from 2012 to the present, and previously was associated with Stone Insurance Inc. and Independent Financial Group. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis while incorporating ESG eligibility processes and centralized due diligence.

Jerry Candia is a financial advisor at LPL Financial with 27 years of industry experience. He has held his current position since 2009 and holds Series 63 and Series 66 licenses. Outside of his advisory work, he coaches the Monrovia High School Mountain Bike Club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing various investment strategies supported by both internal and third-party research.

James Sheridan is a financial advisor with UBS Financial Services holding a Series 63 designation and 33 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Sean Chang is a Series 66-registered financial advisor with Merrill, based in Arcadia, CA, and has nine years of industry experience. He has been affiliated with Bank of America and Merrill since 2013. Outside of his advisory role, he contributes one hour monthly as a user reviewer for a corporation called User Testing, providing feedback on user experience. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, delivering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Jeffrey Steel is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets Inc. since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, using structured planning tools and modeling techniques, while generally acting in an advisory capacity rather than providing individual security recommendations.

Christine Brand is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been affiliated with Cetera and its related entities since 2025. In addition to her advisory roles, Brand owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers and diverse program structures.

Nicole Luo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Patrick Holmquist is a financial advisor at Merrill with a Series 66 registration and two years of industry experience. Prior to joining Merrill, he worked at Morgan Stanley and Rogerson Capital. Outside of his advisory role, he serves as a music minister at St. Anne Catholic Church, leading musicians and performing during Sunday services. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Robert Bell is a financial advisor with Thrivent Investment Management in Ontario, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning focused on topics such as retirement, tax, estate, and special needs planning, delivered separately from portfolio management services.

Andrew Huerta is a Financial Consultant at Fidelity Investments. In his role, he works closely with clients and their families to develop personalized financial plans aimed at achieving their goals. He emphasizes providing peace of mind through thoughtful investment and retirement planning, building lasting relationships based on trust. Andrew's experience at Fidelity Investments includes roles as a Financial Consultant since 2022, Investment Consultant from 2021 to 2022, and Financial Representative from 2020 to 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys camping, family activities, food, outdoor adventures, tennis, and traveling.

Rong Wang is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to Merrill, Wang worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Liliana Soto is a CFP® professional with 19 years of experience in financial services. She is currently with Cetera, where she has worked since 2013, and she also holds the role of Director of Financial Services at Crane & Associates, a financial planning and investment firm. In addition to her advisory work, Soto is a licensed public notary. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes 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 with access to various program structures and third-party money managers.

Joshua Murty is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2004 and has over 18 years of experience helping families manage wealth. Josh earned his CERTIFIED FINANCIAL PLANNER® certification in 2007 and holds additional professional designations including Certified Investment Management Analyst, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Josh focuses on delivering comprehensive wealth management strategies tailored to clients' personal goals. His expertise encompasses managing new wealth, personal retirement planning, portfolio management, small business strategies, and individual and corporate investment strategy. He believes in providing clients with the education and resources necessary to make informed financial decisions. Away from work, Josh enjoys outdoor activities such as boating, camping, fishing, football, and golfing. He lives in Yorba Linda with his wife and three children and is an active member of Friends Church.

Majid Taheran is a financial advisor with Cetera, holding Series 65 and Series 63 designations and bringing 31 years of industry experience. His background includes prior roles at Avantax Advisory Services and extensive entrepreneurial activities, including ownership and leadership positions in tax preparation, insurance, real estate, and legal services. He also teaches financial accounting and mathematics at the University of Phoenix. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors. The firm employs a multi-manager platform allowing flexible investment strategies, with over $256 billion in assets under management and more than 10,000 advisors.