Rita Pichardo is a financial advisor at Merrill with 8 years of industry experience. She holds the Series 66 designation and has been with Merrill and Bank of America since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Willett is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked with firms including LPL Financial and Trilogy Capital, and he serves on the committee for St. John's Lutheran School Endowment Fund. Willett also owns and operates his own financial services businesses. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering various portfolio management and consulting services through a nationwide network of independent advisors. The firm provides access to multiple program structures and third-party managers with over $256 billion in assets under management.

Peter Falcone is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at INVEST Financial Corp, Transamerica Financial Advisors, and FSC Securities Corporation. He is also an insurance agent with Life Brokerage Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Ryan Banning is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to his advisory career, he worked at Boston College for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques such as Monte Carlo simulations.

Anastasia Nikolaou is a CFP® professional with eight years of industry experience, currently with Equitable Advisors since 2024. She previously worked at Ameriprise for seven years and has a background in retail management at Nordstrom. She is a co-author of an unpublished general education financial book and owns Anastasia & Associates Wealth Management Solutions. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and nonprofit organizations, providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm utilizes third-party advisory models and fiduciary services to deliver tailored investment solutions.

Zheng Wang is a financial advisor with Cetera in Irvine, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Cetera, he worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC for three years. Outside of finance, he was involved with ATZ Designs LLC for four years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients nationwide. It offers a multi-manager platform with various investment program options, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Alfred De La O is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of advisory duties, he is involved in sales of loan products and home security services through affiliated companies and operates De La O Associates, Inc. for Primerica business purposes. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Rasik Shah is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 63 designation and has 41 years of industry experience. Prior to joining Raymond James in 2009, he worked for UBS Financial Services from 1997 to 2009. Outside of advisory work, he is a registered associate at Ketchum Investment Management Co Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to assist clients in evaluating potential investment outcomes.

Carlos Rojas Jr. is a financial advisor with J.P. Morgan Securities in Chino Hills, CA, holding a Series 66 designation and 17 years of industry experience. His career includes positions at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Yvonne Kuhn is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones since 2010. She holds the Series 66 designation and is based in North Tustin, CA. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors.

Jeffrey Campbell is a financial advisor with Cetera, holding a Series 66 designation and 23 years of industry experience. His career includes roles at Morgan Stanley and operating his own financial services business, J. Campbell Financial, since 2005. Outside of his advisory work, he owns a printing wholesale business where he processes images for print. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Martha Moran is a Series 66 licensed advisor with J.P. Morgan Securities in Brea, CA, where she has worked for 12 years. Her experience is exclusively with J.P. Morgan Securities since 2014. 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 relies on centralized due diligence combining quantitative and qualitative research and includes capabilities in derivatives and commodities.

William Gomberg is a financial advisor with Wells Fargo Advisors in Orange, CA, holding Series 63 and Series 65 licenses and over 33 years of industry experience. His career includes ten years at Citigroup Global Markets and roles at Wells Fargo Clearing before joining Wells Fargo Advisors in 2019. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients meeting net-worth thresholds. Advisors at the firm use proprietary research and tools to develop customized recommendations, with implementation through various brokerage and advisory programs offered on an optional basis.

Eric Hale is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with 12 years of industry experience. He has worked within various J.P. Morgan entities since 2016, including JPMorgan Chase Bank and JPMorgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, incorporating ESG factors and leveraging broader derivatives and commodities capabilities.

Damian Brown is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Riverside, California. He has been with Merrill Lynch since 1999, serving individuals, families, retirees, and business owners. Damian is a member of Brown & Associates and focuses on investment planning, portfolio construction, and customization. Damian holds a bachelor's degree from the California State University system and has earned several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, he provides comprehensive wealth management strategies that integrate investment management, retirement planning, risk management, and wealth transfer strategies. His approach centers on understanding clients' priorities and developing personalized plans tailored to their goals. Outside of work, Damian resides in Rancho Cucamonga, California with his wife Kerri Ann and their daughter Claire. His personal interests include biking, boating, cooking, gardening, music, spending time with family, traveling, and watching movies.

Alexander Kosan is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior experience includes roles at Deloitte, CliftonLarsonAllen, Morgan Stanley, and a four-year period at the University of California - Santa Cruz. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Kevin Olsen is a financial advisor with Primerica Advisors in Santa Ana, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1992. In addition to advisory services, he is involved in sales of loan products and home security and automation service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers advisory services primarily through model-driven strategies managed by third parties, with oversight from BNY Mellon Advisors and Pershing, and has approximately $15.5 billion in assets under management across nearly 3,700 advisors.

Enoch Chung is a CFP® professional with 28 years of industry experience, currently serving at OSAIC since 2024. He spent 27 years at Woodbury Financial Services prior to joining OSAIC. Outside of advisory work, he operates a tax preparation sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager selections.

Ryan Gallo is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Merrill, Cuso Financial Services, and the Credit Union of Southern California. 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. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a broad range of investment strategies and utilizing research and technology tools.

Jonathan Huerta is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. His prior experience includes roles at Lyft and Foresters Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and offers expanded derivatives and commodities capabilities.