Albert Cline is a financial advisor at OSAIC with 49 years of industry experience. He holds a Series 63 designation and has worked with firms including Woodbury Financial Services and AIG Financial Advisors. Outside of his advisory role, he is a grantor of a college scholarship trust in memory of his late father. OSAIC serves a diverse client base, including individual, high-net-worth, institutional, and charitable investors, offering a range of integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisors. The firm employs various asset allocation and portfolio construction tools and supports multiple advisory platforms and third-party solutions.

Alma Araceli Alvarez is a financial advisor with Primerica Advisors in Whittier, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. Her prior work includes positions at Mike's Pizza and California State University, Long Beach. She is also involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed accounts within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based, tiered wrap fees and ongoing oversight of its investment models.

James Zivich is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Linsco/Private Ledger Corp. since 1995. Outside of his advisory role, he teaches investment education classes for the Fullerton Community Services program. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

Jennifer Kim is a Series 66-licensed financial advisor with Merrill in Fullerton, CA. She has worked at Merrill since 2004, totaling 22 years of experience, and has been active in the industry for 9 years. 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 plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with broader Bank of America services, including lending and custody.

Andrew Carlson is a financial advisor at Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and was self-employed from 2014 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Matthew Adragna is a financial advisor with Edward Jones, holding a Series 66 designation and bringing 11 years of industry experience. His prior work includes three years at Wells Fargo Clearing and multiple periods at Edward Jones totaling nine years. He is based in Yorba Linda, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, managing over $1 trillion in assets through a large nationwide network of financial advisors and branch offices.

Mindy Cutler is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. She began her career 25 years ago with Bank of America and has been with Merrill Lynch Wealth Management for the past 2.5 years. Mindy focuses on providing personalized wealth management strategies tailored to clients' unique financial goals and circumstances. Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, women and wealth, and retirement income. Mindy is a Personal Investment Advisor (PIA) and is fluent in English and Chinese. She attended Citrus College without obtaining a degree. Outside of her professional role, Mindy is involved with the Second Harvest Food Bank in Irvine, California. In her personal time, she enjoys cooking, baking, gardening, playing pickleball and tennis, and watching movies.

Charles Lewis is a Series 66-licensed advisor at Merrill with nine years at the firm and three years in the industry. His prior experience includes roles at Bank of America and Certified Direct Solutions. Outside of his financial career, he is listed as the owner of a specialty gifts business, BRWNSKNGRL LLC, which is operated by another individual. Merrill delivers 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 plans, charitable organizations, and corporate fiduciaries.

Dennis Priest is a financial advisor with LPL Financial in Anaheim, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with LPL Financial since 2019 and previously worked at Royal Alliance Associates, Inc. from 2008 to 2019. Outside of LPL, he provides financial planning and consulting services through Benefit Funding Retirement Services, LLC, an independent registered investment advisor. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management.

Marion Manahan is a financial advisor with Primerica Advisors in La Mirada, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2004. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selectively managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and maintains oversight of investment models, operating primarily with a tiered wrap fee structure.

Binh Tran is a Series 66-licensed financial advisor with Merrill, based in Rosemead, California, and has nine years of industry experience. He has been affiliated with both Merrill and Bank of America since 2013. Outside of his advisory role, he manages an online business selling succulents as a general partner and managing member. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional accounts.

Jorge Chavez Jr. is a financial advisor with Merrill in Whittier, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior work includes roles at J.P. Morgan Securities and JPMorgan Chase bank. 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. The program serves individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, integrating investment management with broader banking services.

Cindy Havenhill is a CFP®-designated financial advisor with LPL Financial, based in Brea, CA, and has 36 years of industry experience, including over 31 years at LPL Financial. Her background includes operating businesses related to wealth and risk management under her own name, serving clients within the LPL framework. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Kurt Chen is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at National Planning Corporation from 2014 to 2017. Chen serves as president of Genuine Financial Services, a non-variable insurance business offering life and fixed insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Alan Nakamura is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm for over three decades, providing clients with customized financial counseling tailored to their individual goals, needs, and risk tolerance. Alan's approach focuses on client goal-oriented asset management, and he specializes in areas including college education planning, family wealth management strategies, portfolio management services, small business strategies, and retirement income. Alan holds a Bachelor's Degree from San Diego State University and a Master of Business Administration from Indiana Wesleyan University. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His commitment to service extends beyond his professional role; Alan serves on the boards of Forest Home Christian Camp and OC United and is part of the leadership team of the Merrill Christian Focus Group. Previously, he served as an elder at his local church. Residing in Yorba Linda with his wife Sharon, Alan enjoys spending time with their four children and three grandchildren. His personal interests include golfing, soccer, and traveling.

Diana Shoemaker is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and offers services including tailored estate planning and employer-based financial plans.

Alyson Stark is a financial advisor at LPL Financial with five years of industry experience. She holds a Series 66 designation and has previously worked at Pearson and NEXT Trucking. Stark also operated Stark Wealth Management briefly in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research from LPL Research and third-party subadvisors.

Gary Hall is a financial advisor with Charles Schwab in Brea, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Charles Schwab since 2013 and with Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Philip Rubia is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. His prior roles include positions at Wescom Financial Services, Wescom Credit Union, and CUSO Financial Services. LPL Financial is a national 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 both discretionary and non-discretionary management supported by research and model portfolios.

Henry Artiga is a financial advisor with Edward Jones in Rancho Cucamonga, California, holding Series 63 and Series 66 licenses and 22 years of industry experience, all with Edward Jones since 2004. Outside of his advisory role, he manages rental properties in the Los Angeles area. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.