Elizabeth Cervantes is a CFP® and Series 66 licensed financial advisor with 19 years of industry experience. She currently works at Morgan Stanley in Brea, CA, having previously held roles at Wells Fargo Clearing and Citigroup Global Markets. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools.

Julia Pearl is a financial advisor at Ameriprise with two years of industry experience. She holds a Series 66 designation and previously worked for Bob Smith Toyota for seven years. Outside of her advisory role, she is involved with BRAHHVO LLC, an investment-related LLC formed by her Ameriprise franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that offers comprehensive retirement planning focused on income reliability and tax-aware withdrawal strategies.

Mai Park is a financial advisor at LPL Financial with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, and Morgan Stanley. 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 and brokerage services supported by various investment platforms and tools.

Tom Aguilera Jr. is a financial advisor with LPL Financial in Placentia, CA, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at CUNA Brokerage Services, Inc. for 15 years and has been affiliated with SchoolsFirst FCU since 2000. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of representatives. The firm offers a range of financial planning and investment management solutions, utilizing various portfolio strategies and technology tools for operational support.

Aidan Curtin is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at LPL Enterprise and Prudential before joining Merrill. Outside of finance, Curtin has ongoing involvement with Legends Hospitality. 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 offers model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hsien Lu is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor, Axa Advisors, where he worked for 21 years. Outside of his advisory role, he is involved in an outside fixed business and owns investment real estate. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset-management programs. The firm emphasizes matching clients to appropriate investment models and discretionary managers, utilizing third-party asset managers and a range of investment products.

Cong Wang is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 registrations and two years of industry experience. His prior roles include positions at Cetera, HSBC Bank USA, Avantax Advisory Services, Bohai Securities, and Everbright Securities. He also serves as an insurance agent selling fixed insurance products and works as a wealth management associate at TYWL Wealth Advisors, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Julio Mancilla is a financial advisor at Morgan Stanley in Los Angeles, CA, holding Series 63 and Series 66 licenses with three years of industry experience. Before joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities LLC and JPMC BANK NA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

John Tran is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America, Pruco Securities, and JP Morgan Chase Bank. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Ronald Thompson is a Series 66 licensed financial advisor with Fidelity, based in Brea, CA, with one year of industry experience. Prior to joining Fidelity, he held positions at Northwestern Mutual and New York Life Insurance Company. Outside of his advisory role, he is a sole proprietor as an Amazon Publisher. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Bo Ram Lim is a financial advisor with Equitable Advisors in Los Angeles, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, Lim worked as an accountant with Gatto Mcferson CPAs and operated a CPA practice for nine years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a variety of advisory models primarily implemented through third-party managers and emphasizes fiduciary services for qualified plans.

Roger Stephens is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. His career includes roles at UBS Financial Services, Morgan Stanley, and City National Bank, prior to joining RBC Capital Markets. He is based in Los Angeles, CA. 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 a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client’s risk profile, utilizing both in-house and third-party investment managers.

Gregory Vernon is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously operated his own advisory firm, G.K. Vernon, LLC, for one year. Wells Fargo Advisors is a large national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to inform its investment approach and offers a broad range of brokerage and advisory solutions.

Albert Smith III is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in advising corporate executives, financial professionals, founders, and professional athletes. He is part of the Private Executive Services team, where his practice focuses on managing complex financial lives through a coordinated, team-based approach. Albert collaborates closely with clients and their wider advisory teams—including CPAs, attorneys, and agents—to deliver comprehensive and customized financial planning and wealth management services. Albert earned his Bachelor of Arts degree in Philosophy from Trinity College and his Juris Doctorate from the Maurice A. Deane School of Law at Hofstra University. He holds FINRA series 7, 63, and 65 registrations, as well as insurance and annuities licenses. Albert also maintains the Personal Investment Advisor (PIA) designation. He has been recognized as a member of the Private Executive Services team in Forbes' Best-in-State Wealth Management Teams and Barron's Top 250 Private Wealth Management Teams. Beyond his professional role, Albert is involved with several community organizations, serving on the executive committees for The Hope Gala and The Rita Hayworth Gala for the Alzheimer's Association Young Leadership Committee. He resides in the South Bay area of Los Angeles with his family and enjoys activities including yoga, basketball, golf, music, reading, running, swimming, traveling, and spending time with family and friends.

Ryan Gill is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Waldorf Estoria and attended Arizona State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raul Hernandez is a financial advisor with LPL Financial, holding a Series 66 credential and 17 years of experience in the industry. His prior roles include positions at BMO Bank NA, BancWest Investment Services, Wells Fargo Clearing, and Wells Fargo Bank. Hernandez is based in Huntington Park, CA. 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 and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Eddie Kaspar is a financial advisor with LPL Enterprise holding ChFC® and Series 65 credentials and has 43 years of industry experience. He has worked at Prudential Insurance Company of America since 1978 and most recently joined LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven approach to investment implementation and offers services including financial planning, access to third-party asset managers, and participation in wrap programs.

Alex Persons is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2023. Prior to this, Alex has held several positions within Fidelity Investments, including Financial Consultant, Investment Consultant, Relationship Manager, Financial Representative, Central Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate, spanning from 2017 to 2023. Before joining Fidelity, Alex worked as a Mortgage Processor at JPMorgan & Co in 2016. Alex holds a California Insurance License. Their professional approach focuses on assisting clients in identifying their financial goals and objectives and building strategies to work towards financial freedom. Alex emphasizes the importance of planning in achieving financial success. Outside of work, Alex enjoys attending concerts and movies, as well as engaging in outdoor adventures such as skiing, surfing, and traveling.

Kyong Hwa Koch is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill Lynch since 2022, following roles at RBC Capital Markets and Wells Fargo Clearing. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Smaldino is a Wealth Management Advisor within the Merrill Lynch Wealth Management division of Bank of America. With over two decades of experience in the financial services industry, Peter works with busy professionals and business owners to provide objective advice and client-focused service. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, defined benefit and contribution plan consulting, liquidity management, personal retirement planning, portfolio management, and retirement income planning. Peter earned a Bachelor of Science degree in Business Administration from the University of Southern California in 1993. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Outside of his professional role, Peter enjoys baseball, football, golfing, hiking, spending time with his family, and traveling.