Susan Lacina is a CFP® with 23 years of industry experience. She is currently with Wells Fargo Clearing and previously worked at Kinecta Financial & Insurance Services, LLC and LPL Financial, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Terry Benson is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 10 years with Wells Fargo Investments, LLC. 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Joel Guerra Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Prudential Insurance Company of America since 1994 and was previously affiliated with Pruco Securities, LLC. Guerra also operates ClearPath Team Financial and Insurance Services, providing financial planning and insurance services. LPL Enterprise offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, with additional services in insurance and trust custody.

Noel Ortega is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. in 2025, he worked at Goldman Sachs from 2023 to 2025. He also has a background that includes a role at The Ritz-Carlton Bacara and education at Cornell University. 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. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Nicholas Garl is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds a Series 66 license and is based in Tustin, CA. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Michael Rodgers is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations. His prior roles include positions at U.S. Bancorp Investments, Inc. and UnionBanc Investment Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving plan sponsors with tailored investment options that include insurance-related vehicles and bank deposit sweep programs.

Shahryar Shaikh is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Bank NA. 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 plans, corporations, and charitable organizations.

Nicholas Sliemers is a CFP® professional with 20 years of industry experience, currently serving as an advisor at OSAIC since 2018. Prior to joining OSAIC, he worked for 12 years at Sii. He is also involved as a life and health insurance broker through Canyon Wealth Management and Insurance Solutions. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization, supporting discretionary and non-discretionary strategies across various program offerings.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Richard Shih is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2006. 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 provides both brokerage and advisory solutions.

Gonsalo Barragan is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and five years of industry experience. He has worked with JPMorgan Securities LLC and JPMorgan Chase Bank since 2022 and previously held roles at Bank of America and Merrill Lynch from 2018 to 2022. Prior to his financial services career, he worked for the San Bernardino City Unified School District. 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 selection, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and incorporates ESG criteria, with implementation supported by affiliated investment-management entities.

Tyler Dyson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade (now Charles Schwab), Bank of America, Merrill, and several title and escrow service firms. 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 within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and includes broader derivatives and commodities capabilities.

Pooja Shah is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. She has three years of industry experience, including prior roles at JP Morgan Chase & Co. and BNP Paribas India Solutions Private Ltd. 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 combines research-driven investment strategies with a broad range of brokerage and advisory solutions.

Scott Mcintire is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has supported clients by developing customized investment strategies aligned with their long-term financial goals. He also collaborates closely with estate attorneys and CPAs to ensure that clients’ financial plans are coordinated with their broader objectives. Scott's areas of focus include education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Scott holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from Notre Dame High School. Scott is involved with the National Brain Tumor Foundation and participates in community activities through St. Thomas Catholic Church. Outside of work, his interests include baseball, camping, fishing, gardening, golfing, music, and spending time with his family.

Adam Pilkington is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Clearing since 2019, having worked at Wells Fargo Bank, N.A. since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering both discretionary and non-discretionary investment services.

Edward Martell is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 42 years of industry experience. His prior work includes roles at Crown Capital Securities, First Allied Advisory Services, First Allied Securities, The Financial Advisors Network, and LPL Financial. Cambridge Investment Research Advisors serves a diverse client base including individual investors, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and utilizes multiple platforms and custodians to provide both discretionary and non-discretionary investment management services.

Hyojoo Ryu is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has prior experience at Lenox Advisors and MassMutual Life Insurance Co. Outside of her advisory role, she works as a Reformer Pilates instructor. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s 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.

Thomas Loza is a financial advisor with LPL Financial, holding a Series 66 credential and 17 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with Loza, Beck & Associates LLC and has experience with Riverside Community Health Foundation and Waddell & Reed, Inc. Outside of his advisory work, he has been engaged in tax preparation and accounting services through LB Tax Prep. 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 and access to third-party asset management, supported by a large network of investment adviser representatives.

Taylor Freitas is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Movement Mortgage and Loan Depot. Outside of his advisory role, he is involved in a family tutoring business, primarily handling bookkeeping. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with access to multi-asset model portfolios and alternative investments.

Patricia Bacho is a financial advisor at UBS Financial Services with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments and UBS Financial Services. Outside of her advisory role, she is employed as an administrative employee at Supan Detailing Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.