Yvette Garcia is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been affiliated with Wells Fargo in various capacities since 2009. Outside of her advisory work, she co-owns several small businesses with her spouse, including handmade crafts and a record label, and serves as vice president of a homeowners association. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and delivers tailored recommendations using proprietary research and tools.

Yihan Zhang is a financial advisor at Ameriprise with CFP® certification and Series 63 and 65 licenses. Zhang has prior experience at Goldman Sachs & Co. LLC and a background that includes studies at Columbia University. Outside of finance, Zhang has been involved with Vega Tax Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service delivering written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Benjamin Blum is a financial advisor with Cambridge Investment Research Advisors in Monrovia, CA. He holds Series 65 and Series 66 licenses and has 23 years of industry experience. Prior to joining Cambridge in 2021, he worked at firms including Cetera and Woodbury Financial Services. Blum is also an independent insurance agent and owner of business entities including Bless Holdings, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm employs both proprietary and third-party strategies, providing customizable investment solutions through various custody and platform arrangements.

Susan West is a CFP®-designated financial advisor with Morgan Stanley in Brea, California, bringing 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.

Jose Ramirez M is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America and Merrill since 2022 and previously held roles at Bank of America from 2016 to 2022, as well as at Macy's from 2015 to 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Todd Porter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. 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 incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Christopher Andres is a financial advisor with Merrill in West Covina, CA, holding Series 65 and Series 66 licenses. He has three years of industry experience, including roles at Bank of America and Merrill since 2022, as well as over a decade at T-Mobile USA prior to entering the financial sector. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

John Splain is a financial advisor with Raymond James & Associates in Yorba Linda, CA, holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has been with Raymond James & Associates since 1993. Outside of his advisory role, he serves as a trustee for an investment-related entity and has a personal investment interest in a solar energy business. 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 supported by a broad range of investment strategies and affiliated research.

Shawn Ecklund is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2008. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to model potential outcomes, supporting client implementation through various advisory programs.

Jae Hyeong Koo is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. He has worked at various J.P. Morgan entities since 2020 and has prior experience outside the financial industry, including a role at Mr. BBQ. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager searches, and customized performance reporting through a non-discretionary advisory model.

Jianing Zhou is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Merrill, Zhou worked at Bank of America and held various roles including positions at Ernst & Young and University of California-Irvine. Zhou is also involved with Carofin.com, an entrepreneurial venture. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Qingfeng Lin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining J.P. Morgan in 2023, Lin worked at Bank of America, Merrill, TD Ameritrade, and Scottrade. Outside of finance, Lin is a partner in an e-commerce business focused on online sock sales, providing management and strategic advice while the day-to-day operations are handled by a spouse. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Michelle Morales is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on serving a diverse range of clients, including owners of family businesses, physicians, attorneys, tribal governments, endowments, and private foundations. Michelle emphasizes frequent communication with clients and often works with both spouses and adult children to understand their best interests now and in the future. She strives to help clients leave meaningful legacies by focusing on their life's most rewarding moments. Michelle has earned her Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. She holds a Bachelor's degree from the University of California System. Michelle specializes in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and tax minimization. She also manages portfolios on a discretionary basis using a variety of investment strategies. Michelle grew up in Pasadena and resides in Yorba Linda with her children. She enjoys biking, golfing, spending time with her family, and traveling. She volunteers as a National Charity League Sustainer, participating in community service and leadership development activities.

Victor Jasso Franco is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, he worked at Godspeed Logistics LLC, California State University Long Beach, Citi Staff Solutions, and Norco College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools.

David Covarrubias is a financial advisor at Fidelity with Series 63 and Series 66 licenses. He has one year of industry experience, having previously worked at JPMorgan Chase Bank and served in various roles with the Pasadena Police and California Highway Patrol. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios constructed through a combination of fundamental research, quantitative analysis, and algorithmic methods.

Manuel Vega is a financial advisor with LPL Financial in Claremont, CA, holding a Series 66 designation and three years of industry experience. He has worked at Stark Wealth Management, LPL Financial, and Western International Securities, among other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a variety of financial planning and investment management services, employing a range of portfolio strategies and leveraging research and operational tools.

Michael Zeller is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Zeller is a co-founder of the Chad Zeller Memorial Fund, Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies created by third-party asset managers.

Ira Dugang is a financial advisor with Primerica Advisors in Montclair, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Prior to his time in financial services, he worked in healthcare roles including at Kaiser Permanente and Alhambra Hospital Medical Center. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors as well as corporate and charitable clients. The firm utilizes model-driven investment strategies supported by third-party asset managers and custodial services, operating at scale with approximately $15.5 billion in assets under management.

Christian Hernandez Jacobo is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. outside of his current position. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies supported by internal Chief Investment Office teams and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.