Adrian Montecinos is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously served five years in the U.S. Navy. Outside of his advisory role, he is president of the Swordsmens Gridiron Club and serves on the advisory board of the Orange County Navy League. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Sunita Foley is a financial advisor with Raymond James Financial Services Advisors, Inc. in Brea, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Raymond James since 2009. Outside of her advisory role, she is the owner of Foleykefals Investment Services Inc., a support company. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

Carlos Rojas Jr. is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 66 designation and has been with JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hai Dao is a Financial Consultant currently working at Fidelity since 2024. Prior to this role, he served as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2024. He holds a California Insurance License. His professional approach involves understanding the unique financial situations and goals of individuals and families to develop tailored strategies that align with their objectives. Outside of his professional responsibilities, Hai Dao has personal interests in food, football, golf, singing, and traveling.

Martha Moran is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 66 designation and has been with JPMorgan Securities LLC since 2014. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with affiliated brokerage, distribution, and investment management services.

Hank Yu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Charles Schwab since 1999 and with Charles Schwab Bank since 2005. 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 management, utilizing multi-asset model portfolios and research-driven alternative investment options within an integrated operational structure.

Jarret Rodriguez Conklin is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 66 licenses. He has 20 years of industry experience, including prior roles at Wells Fargo Advisors and Wells Fargo Clearing. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Brent Thomas is a financial advisor at Raymond James Financial with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial since 2005. Outside of his advisory work, he owns Thomas Investment Group, where he rents office space. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting with access to firm-sponsored programs and outside managers.

Samuel Watts is a financial advisor at Fidelity with two years of industry experience. He holds the Series 63 and Series 66 credentials. Prior to joining Fidelity, he worked at Charles Schwab and has held various roles outside the financial industry, including time in full-time education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic tools in its investment process.

Thomas Kirkpatrick is a financial advisor at Thrivent Investment Management in Ontario, CA, holding Series 63 and Series 66 credentials with 42 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 planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Eric Hale is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various divisions of JPMorgan Chase since 2016. 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 recommendations on a non-discretionary basis while clients retain final decision-making authority.

Art Cardenas is a financial advisor at OSAIC with 26 years of industry experience. He holds the CFP® designation and Series 63 license. Prior to joining OSAIC in 2025, he worked at LPL Financial for 14 years. Outside of his advisory work, Cardenas serves as equipment manager for the Vineyard Little League in Rancho Cucamonga, CA. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside access to third-party money managers and unified managed accounts. The firm employs firm-provided asset allocation tools and supports both discretionary and non-discretionary portfolio management.

Doris Lau is a financial advisor at Cetera with 16 years of industry experience. She holds Series 63 and Series 66 designations and has been with Cetera since 2013, including Cetera Investment Services and East West Bank affiliations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and provides access to multiple program platforms and third-party money managers.

Enoch Chung is a CFP® with 28 years of industry experience, currently advising at OSAIC since 2024. He previously worked for Woodbury Financial Services for 27 years. Outside of his advisory role, he operates a tax preparation sole proprietorship. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors and offers integrated brokerage, advisory, and financial planning services. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types on discretionary or non-discretionary bases.

Jonathan Huerta is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018 and previously worked at Foresters Financial Services, Inc. and Lyft. He holds Series 63 and Series 66 credentials. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jeramy Heath is a financial advisor with Morgan Stanley in Yorba Linda, California, holding Series 63 and Series 65 licenses and with 25 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory work, Heath is the sole proprietor of a photography business, McTIN2b Photography LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and investment models and manages approximately $2.74 trillion in client assets.

Pedro Arellano Jr. is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Wescom Financial Services, CUSO Financial Services, JP Morgan Securities LLC, JPMorgan Chase Bank, Penske Automotive Group, and Saks Fifth Avenue. He is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Mingxiu Hao is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. Hao holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2016, also working at JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kai Yuan Cheng is a financial advisor with Cetera and holds a Series 66 designation. He has 15 years of industry experience, including roles at East West Bank where he currently serves as a senior relationship manager. Cheng has been with Cetera since 2018. Cetera Investment Advisers LLC is an SEC-registered firm providing services through a nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering diverse portfolio management and financial planning options across multiple program structures.

Yvonne Flores is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings over two decades of experience in banking and wealth management, with expertise in helping clients organize their financial lives and advance meaningful goals for themselves, their families, and their businesses. Fluent in Spanish, Yvonne is skilled at connecting with multiple generations of families and first-generation investors. Yvonne holds a Bachelor's Degree from the California State University System and has earned the Personal Investment Advisor (PIA) designation. Her knowledge spans banking, insurance, wealth transfer, and investing, enabling her to assist clients in identifying opportunities and addressing financial gaps. She focuses on building long-term relationships through diligence, responsiveness, and attentive listening. Originally a first-generation American whose parents emigrated from Mexico, Yvonne values hard work and sacrifice. Outside of her professional responsibilities, she spends time with her family and parents and volunteers with Corazon de Vida, regularly traveling to an orphanage in Tijuana to deliver supplies and spend time with children.