Ruby Herrera is a Certified Financial Planner (CFP®) and holds a Series 66 license with 17 years of industry experience. She has been with UBS Financial Services since 2007. Outside of her advisory role, she is involved with Le-Vel, a privately held company. UBS Financial Services 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, operating as a broker-dealer, investment adviser, and futures commission merchant.

Lope Choa is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop personalized financial strategies that align with their long-term goals. His approach involves a comprehensive understanding of each client’s full financial picture, and he utilizes resources from Merrill and Bank of America to provide investment insights as well as banking and lending solutions. Choa’s areas of expertise include portfolio management services, individual and corporate investment strategies, and retirement income planning. He holds a Bachelor’s Degree from the University of Florida and maintains professional designations as a Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Committed to community involvement, Choa participates in local volunteer organizations and integrates this service-oriented philosophy into his client relationships. Outside of work, he enjoys baseball, biking, and golfing.

Mark Poitras is a financial advisor with LPL Financial in Anaheim, CA, holding a Series 66 credential and bringing 24 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in managing real estate rental properties with family members. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and nonprofit organizations. The firm offers a range of advisory programs and financial planning services supported by in-house and third-party research and technology solutions.

Andrew Bailey is a financial advisor with RBC Capital Markets holding a Series 66 designation and 11 years of industry experience. He has worked at RBC Capital Markets since 2016 and at City National Bank since 2018. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Vivian Lo is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She has worked in the financial services industry since 2008, with prior roles including Financial Advisor at Merrill Lynch from 2014 to 2020 and Financial Planner at the Royal Bank of Canada from 2008 to 2013. Vivian focuses on building trusting client relationships and sharing key financial planning concepts. She assists clients in managing changes and provides ongoing guidance to develop personalized financial plans. She holds a California Insurance License.

Tyler Chernack is a financial advisor at Wells Fargo Advisors with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at True Farma Holding, Inc. and Workday, Inc. He is also a Certified Divorce Financial Analyst and provides financial guidance through Smart Divorce LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a range of investment and financial planning services, utilizing proprietary research and planning tools to develop tailored recommendations.

Kyle Ergas is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on working closely with individuals and families to develop personalized financial strategies aimed at helping clients achieve their unique financial goals. His approach involves understanding each client's priorities and creating plans tailored to their specific situations. Kyle's expertise includes a range of financial services such as general investing, retirement planning, and savings strategies to prepare for unforeseen expenses. He works with clients to address concerns related to funding education, securing retirement income, and managing long-term financial objectives. He holds a Bachelor's Degree from San Jose State University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Patrick Chan is a Series 66-licensed financial advisor with 11 years of industry experience, currently with Wells Fargo Clearing since 2024. His prior experience includes roles at B. Riley Wealth Advisors, National Asset Management, Hold Bros. Capital, LLC, and Integra Technology Inc. Outside of his financial career, he is the sole owner of a long-term rental property in Long Beach, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party data to inform its diversified, modern portfolio theory-based investment approach.

Stephen Cho is a financial advisor with LPL Financial in Brea, CA. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 14 years with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Maria Richards is a financial advisor at Primerica Advisors with two years of industry experience. She holds the Series 65 and Series 63 licenses and has worked previously at PFS Investments Inc. and Primerica Financial Services. Outside of her advisory roles, her background includes work at the San Diego Gamma Knife Center and periods as a homemaker. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, employing model-driven investment strategies supported by third-party asset managers and custodians.

Travis Wasson is a CFP® with 22 years of experience in the financial services industry. He is currently affiliated with OSAIC and has held positions at Capital Resources & Insurance, Inc. and Signator Investors, Inc. Wasson is also the owner and president of Capital Resources & Insurance, Inc., managing various aspects of the corporation. Additionally, he serves as director of field maintenance for Huntington Beach Girls Softball, a local nonprofit organization. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party investment managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management.

Shawn Louis is a financial advisor with OSAIC based in Los Alamitos, CA, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He worked at National Planning Corporation for 14 years before joining OSAIC in 2017. Outside of his advisory role, he operates a sole proprietorship involved in fixed life insurance sales. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering services such as financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include various asset types, managing accounts on both a discretionary and non-discretionary basis.

Nathan Heath is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith. Outside of his financial career, Heath owns In-Home Aromas, Inc., a candle business he operates as a weekend hobby. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Rosson is a financial advisor at Merrill with a Series 66 credential and experience beginning in 2026. His prior roles include positions at Bank of America, Nuvision Credit Union, Wells Fargo, US Bank, and entrepreneurial work with Passion For The Pie and Friar Tux Shop. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jeffrey Tiedge is a financial advisor with Raymond James & Associates in Brea, California, holding Series 65 and Series 63 licenses and bringing 37 years of industry experience. He previously worked at Wedbush Securities and Seacrest Wealth Management, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kurt Neilan is a CFP® with 27 years of experience in the financial services industry. He currently works at OSAIC and has previously been with Woodbury Financial Services, Inc. for 20 years. Neilan is also a CPA with ongoing involvement in tax preparation and accounting through Neilan & Associates, CPA Inc. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services across multiple platforms and employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios.

Mia Celest Miranda is a Series 66-credentialed financial advisor with Morgan Stanley, based in Long Beach, CA. She has two years of industry experience and has been with Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. Prior to her financial services career, she held various positions including roles in education and retail. 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 with a focus on tailored financial planning and manages approximately $2.74 trillion in client assets.

Ho Yan Tam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Outside of his advisory role, Tam is actively involved in managing several restaurant businesses in Claremont, CA, including serving as general manager and authorized signer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Klara Dykastova is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.

Julio Gonzalez is currently a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he served as a Financial Consultant at the same firm from 2022 to 2025. His professional experience also includes roles as a Financial Wellness Specialist at Merrill Lynch from 2015 to 2022 and as a Financial Solutions Advisor at Merrill Edge from 2012 to 2015. Julio holds a California Insurance License, supporting his capacity to assist clients with insurance-related financial planning. He focuses on helping clients build customized financial plans and strategies that address their individual needs and those of their families. Julio aims to establish strong business relationships to effectively support clients in achieving key financial milestones. Outside of his professional life, Julio engages in activities such as board games, fitness, hiking, movies, parenthood, and puzzles.