Cynthia Moreno is a financial advisor at RBC Capital Markets with 17 years of industry experience. She holds Series 66, Series 63, and Series 65 licenses and previously worked at Merrill from 2016 to 2018. Outside of her financial career, she acts as an independent Mary Kay consultant and serves as a committee member for two Christian fellowship organizations. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Patricia Howard is a financial advisor with Mass Mutual Investors Services in Costa Mesa, CA, holding a Series 66 credential and one year of industry experience. She previously worked at Kestra Investment Services, LLC and has over six years of experience with Gary D Nelson Associates. Outside of her advisory role, she operates a small coaching practice through SWT Enterprises, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services using firm-approved tools and offers specialized programs such as Divorce Planning and employer-sponsored planning.

Karen Roberts is a Series 66-licensed financial advisor with 13 years of industry experience. She currently works at Morgan Stanley, joining the firm in 2023. Her prior roles include positions at Charles Schwab Bank, Charles Schwab, TD Ameritrade, and 24 Hour Home Care. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and comprehensive investment approaches, serving clients through tailored financial plans and Corporate Financial Planning agreements.

Tom Valcich is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jung Min Chun is a financial advisor at Morgan Stanley with six years of industry experience. His prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, and First Republic Securities Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers comprehensive financial planning and advisory services supported by structured planning tools and a broad range of investment programs.

Thomas Hobbs is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Ashley Cecala is a financial advisor with Wells Fargo Advisors in Long Beach, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Advisors since 2019 and previously worked at Wells Fargo Clearing Services LLC. Ashley took a one-year professional hiatus before returning to the financial sector. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, using Wells Fargo research and planning tools.

Mary Bui is a financial advisor with LPL Financial in Huntington Beach, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. Prior to joining LPL Financial in 2022, she worked at Wells Fargo Clearing from 2016 to 2022 and Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory work, she is involved with Wise Financial Solutions, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing research and model portfolios from multiple sources and various technology-driven strategies.

Qingyu Yang is a financial advisor at Morgan Stanley with five years of industry experience. He previously worked at Citibank and Citigroup before joining Morgan Stanley Private Bank in 2023. Yang holds a Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Shemirel Guzman Hernandez is a financial advisor at Merrill with a Series 66 designation and approximately two years of industry experience. Prior to joining Merrill, Shemirel worked at Bank of America and held roles in various other industries including hospitality and retail. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Cesar Delgado Hinojos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, Capstone Capital, and U.S. Bancorp Investments. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

James King is a financial advisor with LPL Financial based in Lakewood, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Maria Chueh is a financial advisor at LPL Enterprise with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has a background that includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. Chueh continues to receive residual commissions from prior medical insurance policies. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, brokerage, and insurance services through an integrated platform. The firm combines investment advice with access to various portfolios and third-party asset management programs, supported by LPL’s research and model portfolios.

Christopher Anderson is a CFP® certificant with 10 years of experience in financial advisory. He is currently with Cetera and has held roles at MEA Wealth Advisors and Cetera ADVISORS LLC. Outside of his advisory roles, Anderson is the owner of North Shore Orchard LLC, an orchard business where he is involved in produce cultivation. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and supports multiple investment program structures and affiliations.

Alice Roe Urata is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Massachusetts Mutual Life Insurance Company. Outside of her advisory work, she is involved in providing non-sponsored health insurance as an agent. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to various advisory programs and brokerage products through an integrated platform.

Matthew Matias is a Planning Consultant at Fidelity Investments, where he collaborates with advisors to deliver personalized financial planning services. He focuses on building trust-based client relationships through proactive engagement and consistent outreach, assisting clients in navigating complex financial needs. His experience at Fidelity Investments includes roles as a Relationship Manager since 2024 and as a Financial Representative from 2022 to 2024. Matthew regularly meets with clients to conduct in-depth reviews, helping them implement tailored strategies aligned with their goals and supporting their long-term financial confidence. Matthew holds a California Insurance License. Outside of his professional work, he has interests in cooking and baking, fitness, food, social events with friends, outdoor adventures, and reading.

Christopher Arnaldo is a financial advisor with Edward Jones in Long Beach, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Edward Jones in 2017, he worked for Enterprise Holdings Inc. for 18 years. Outside of his advisory role, he is involved in a technology and software business, DealersGear, assisting with client relationships. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of investment strategies and affiliated capabilities, supported by a large network of financial advisors and branch offices nationwide.

Sean Payne is a CFP® and ChFC® with 23 years of experience in the financial services industry. He has been with Edward Jones since 2002. Payne serves as a board member emeritus for the Los Alamitos Education Foundation and is an active board member of Precious Life Shelter in Los Alamitos, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and maintains a large nationwide network of financial advisors and branch offices.

Austin Arata is a financial advisor at Ameriprise with 10 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial and Kinecta Financial & Insurance Services. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service that partners with advisors like Austin to deliver tailored retirement-income recommendations.

Mark Garcia is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. His prior work includes roles at TD Ameritrade, Bank of America, Merrill, and Scottrade. Charles Schwab & Co., Inc. serves 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 offers both non-discretionary and discretionary investment options, using multi-asset model portfolios and a centralized operational structure.