Maria Klahejian is a CFP® professional with 23 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She has worked at Wells Fargo Bank, N.A. since 2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. 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 resources.

Benjamin Shen is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has worked at Schwab and its affiliated entities since 2018 and previously spent 14 years at Scottrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence.

Brian Hioe is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with nine years of industry experience. He previously worked at Western International Securities, Inc. from 2015 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and investment models.

Nguyen Tran is a financial advisor at Osaic with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Outside of his advisory role, he is involved with Win Wealth Solutions, where he provides services related to health, life, disability, and long-term care insurance. Osaic Wealth serves a broad range of retail and institutional clients, offering brokerage and advisory services that include comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization tools, supporting both discretionary and non-discretionary strategies across multiple custodial and program arrangements.

Kristine Lee is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has held positions at J.P. Morgan Securities and JPMC Bank NA since 2013, and previously worked at U.S. Bancorp Advisors and Chase Investment Services Corp. She holds Series 63 and Series 66 licenses. 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 incorporates both quantitative and qualitative research and may include ESG considerations.

Roberto Ugalde is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He focuses on helping clients improve their financial well-being, particularly by supporting confidence and peace of mind before and during retirement. Roberto emphasizes working with clients based on trust and empathy to develop tailored financial strategies that benefit both individuals and their families. His professional experience includes roles as Assistant Vice President and Financial Advisor at Wells Fargo Advisors from 2014 to 2015, and as a Financial Advisor at Merrill Lynch from 2011 to 2013. Roberto holds a California Insurance License, which supports his work in financial consulting.

Tim Phan is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 registrations and has been with JPMorgan Chase Bank, N.A. since 2011. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team, and includes broader derivatives and commodities capabilities.

Gabriel Castellanos is a financial advisor at Wells Fargo Clearing with 4 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo and U.S. Bank in various capacities since 2016. 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 offers both brokerage and advisory solutions.

Aida Babayan is a financial advisor with UBS Financial Services in Pasadena, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. She worked at Merrill for 20 years before joining UBS in 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by research from its Chief Investment Office and UBS Global Research.

Karen Chan is a financial advisor with Mass Mutual Investors Services in Alhambra, CA. She holds Series 65, Series 63, and Series 66 licenses and has 12 years of industry experience. Prior to joining Mass Mutual Investors Services in 2016, she worked at HSBC Securities (USA) Inc. for one year. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and structured annual planning engagements to develop written recommendations.

Michael Choe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that address the full financial picture of his clients. Michael works closely with individuals and families to develop customized strategies that are adaptable to changing market conditions and client needs, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. He focuses on a broad range of financial planning areas including college education planning, family wealth management, legacy planning, managing new wealth, retirement planning and income, philanthropic planning, portfolio management, and small business strategies. Michael holds a Bachelor's Degree from James Madison University and an MBA from the University of Southern California. He has earned professional designations as a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Fluent in English and Korean, Michael combines his expertise with a commitment to understanding what matters most to his clients. Outside of his professional work, Michael enjoys biking, cooking, football, horseback riding, ice skating, photography, swimming, traveling, watching movies, and spending time with his family.

Stanley Anderson is a CFP® with 43 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of advisory work, he sells collectible coins from his personal collection on eBay. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Jason Lee is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its related entities since 2011. His roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and global market analyses.

Jerry Qi is a financial advisor at UBS Financial Services with 19 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Hsin Yuin Horng is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 license with 19 years of industry experience. Prior to joining Morgan Stanley in 2024, Horng worked at UBS Financial Services for four years and Merrill for twelve years, with a four-year period as a homemaker in between. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery and firm-approved tools, with clients responsible for implementing their plans.

James Wennlund is a financial advisor with Raymond James & Associates in Los Angeles, CA, holding a Series 66 designation and bringing 19 years of industry experience. He has been with Raymond James since 2013 and has prior work experience at Tito's Vodka. Outside of his advisory work, he performs as a stand-up comedian, appearing in 4 to 6 shows per month. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, using a range of portfolio management styles supported by firm research and model manager options.

David Paik is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill, Bank of America, TD Ameritrade, and Scottrade. He is based in Claremont, CA. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates an ESG eligibility framework.

Gregori Volokhine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 30 years of industry experience. His prior roles include positions at Raymond James & Associates and Meeschaert Capital Markets, Inc. He is based in Los Angeles, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

John Cowley is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to its clients.

Whitney Visger is a financial advisor with Cetera and holds the CFP® and Series 66 designations. She has 16 years of industry experience, including periods at Merrill and Cetera Wealth Services. Outside of her advisory role, she serves as an investment committee member for the Pi Beta Phi Fraternity and is an audit committee member at Mayfield Senior School. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform allowing advisors to utilize model portfolios, third-party managers, or create bespoke strategies across various discretionary and non-discretionary program structures.