Joe Moore Jr. is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, and has 46 years of industry experience. He has worked at firms including Voya Financial Advisors, Inc., FSC, and OSAIC, and has owned a 401(k) administration business since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory services including financial planning, model portfolio programs, and institutional platforms.

Cau Min Li is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment modeling techniques.

Mark MacLachlan is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to implement investment strategies aimed at growing, protecting, and transferring their wealth. He has been with Fidelity Investments since 2013, progressing through several roles including Financial Representative Intern, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2020. His experience spans client relationship management and investment consulting. Mark holds a California Insurance License. Outside of his professional work, he has interests in fitness and traveling.

Kevin Ta is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, Merrill, Wells Fargo, and Bank of America/Merrill Lynch. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, incorporating ESG criteria and supported by J.P. Morgan’s broader investment-management resources.

Stephen Meyers is a financial advisor with LPL Financial in Fountain Valley, CA, holding Series 63 and Series 66 credentials and 37 years of industry experience. He previously worked at Citicorp Investment Services before joining Linsco Private Ledger, where he has been since 2007. Outside of advising, he is involved in a non-variable insurance business focused on whole life, universal life, and term insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational and research purposes.

Ty Ospring is a financial advisor at Osaic with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Osaic and Capital Resources since 2020. His prior experience includes roles at Costco and Compulocks Brands, as well as a six-year period at Cal State Fullerton University. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and employs a model-based investment process focused on asset allocation and portfolio optimization.

John Elliott is a financial advisor at J.P. Morgan Securities in Huntington Beach, CA with three years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and JPMorgan Chase Bank, N.A. Outside of finance, he has experience working in retail and food service industries. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes quantitative and qualitative due diligence supported by centralized research and incorporates ESG frameworks where applicable.

Yun Bai is a financial advisor at Cetera with seven years of industry experience. Bai holds Series 63 and Series 66 licenses and has worked previously at institutions including Citigroup, UBS Financial Services, Wells Fargo, HSBC, J.P. Morgan, and Bank of America. Bai is based in City of Industry, California. 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, financial planning, and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with access to affiliated and third-party strategies.

Lacey Rivello is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 credential and two years of industry experience. Prior to joining Ameriprise, she worked in personal training at F45 and had roles at Lululemon, Naturalena, and TruBru Organic Coffee. Outside of her advisory duties, she continues to work as a personal trainer for group fitness classes. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides annual planning advice and written Recommendation Reports focused on dependable income and tax-aware withdrawal strategies.

Jonathan Izquierdo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Wells Fargo, and positions in higher education. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Powell is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he streams on Twitch and has participated in a one-time game test with Microsoft. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Pengnian Chu is a CFP® professional with 21 years of industry experience, currently serving at LPL Financial since 2021. Prior to joining LPL, he spent 16 years with Waddell & Reed Inc and various insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Murphy is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with OSAIC since 2024, following a long tenure at Linsco/Private Ledger Corp. In addition to his advisory role, Murphy is a partner in a CPA firm and serves on several nonprofit boards, including the Haynes Fund and the Orange Catholic Foundation. OSAIC Wealth serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a variety of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization.

Kristi Bae is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative due diligence and may include ESG considerations.

Hannah Etherson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has been with Merrill since 2019 and previously worked for eight years at Train Insane Gym. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Redjaian is a financial advisor with Fidelity in Brea, California, holding a Series 66 designation and two years of industry experience. His work history includes multiple roles at Fidelity Investments since 2023, as well as positions outside the financial sector, such as with LA Fitness and Bear Flag Fish Company. Ryan attended Chapman University from 2020 to 2024. He is affiliated with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios for intermediary platforms.

Jeremy Blum is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 designations and has 26 years of industry experience. His prior work includes positions at Morgan Stanley and Citigroup Global Markets. He is based in Seal Beach, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from internal and external sources while offering a range of financial products through affiliated bank and insurance entities.

Timothy Hannigan is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and UBS Financial Services. Outside of his advisory work, he volunteers as an assistant coach for youth basketball in Irvine, CA. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, utilizing proprietary research and planning tools to develop tailored recommendations.

Robert Hintz Sr. is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and 43 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 goal-based, holistic planning covering topics such as retirement, tax, estate, business continuation, divorce, and special needs, with an option to combine planning and managed-account services under a consolidated billing program called WealthPlan.

Davin Saluja is Vice President and Branch Leader at Fidelity Investments in Seal Beach, where he leads a team of wealth planning professionals dedicated to building long-term client relationships focused on individual needs and goals. He ensures clients have access to Fidelity's technology, insights, and specialists to support their wealth planning journey. Davin has been with Fidelity Investments since 2016. Prior to that, he held roles at Charles Schwab & Co, serving as Vice President - Financial Consultant from 2005 to 2016 and as Client Service Specialist from 2004 to 2005. He holds a California Insurance License. Outside of his professional role, Davin's interests include family activities, fitness, food, military service, motorcycles, and scuba diving.