Carl Cheng is a financial advisor with J.P. Morgan Securities based in Irvine, CA. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2025, he worked at Bank of America and Merrill from 2019 to 2025, as well as roles at Charter Communications and PT Mulia Ahdi Paramita. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s process integrates quantitative and qualitative due diligence to build model allocations and includes capabilities in derivatives and commodities through specialized regulatory registrations.

Nathan Stewart is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several prominent firms, including Bank of America, Merrill, Wells Fargo, and Fidelity. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their process emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence team utilizing both quantitative and qualitative research.

Dailoc Tran is a financial advisor at Thrivent Investment Management with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Thrivent, Tran worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Tran also has experience working outside the financial industry, including a four-year period at 7 Leaves Cafe. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across a range of financial planning topics. The firm allows clients to combine planning with managed-account programs under consolidated billing while keeping the services separate.

Angelito Eusebio is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Primerica Advisors since 1995 and with Primerica Financial Services since 1994. Outside of his advisory role, he is a partner and tax preparer at Ace Tax Services, a business he operates with his daughter. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, operating under a tiered wrap-fee structure.

Leland Bartikofsky is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and one year of industry experience. He has worked at JPMorgan Chase Bank, N.A. and Wells Fargo Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with a focus on eligible strategies and ESG considerations.

Jose Carrillo is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in guiding individuals and businesses through comprehensive financial planning, including college education planning, legacy planning, personal retirement planning, portfolio management services, and tax minimization. Jose’s approach centers on creating personalized strategies that align with his clients’ unique goals and priorities, helping them navigate the complexities of wealth management with clarity. Jose holds an Associate's Degree from Santa Ana College and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is fluent in English and Spanish. Outside of his professional work, Jose enjoys antiquing, basketball, biking, billiards, cooking, hiking, traveling, watching movies, and spending time with his family.

Suraj Puri is a financial advisor at Charles Schwab in Irvine, CA, holding a Series 66 designation with five years of industry experience. His prior experience includes roles at Dunham & Associates Investment Counsel, LPL Financial, and Truist Bank. Charles Schwab 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Steven Nassau is a financial advisor at UBS Financial Services with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has held prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Robert Golden is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020, following a decade at UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mark Denali is a Series 66-licensed financial advisor with Edward Jones, based in Foothill Ranch, CA, and has eight years of industry experience. He has worked at Edward Jones since 2017, with prior roles at Redyscore and Berkshire Hathaway Home Services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering various investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

James Bechtold is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 14 years at UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Cassia Stefanini is a financial advisor with Primerica Advisors in Chino, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for ten years and has been with Primerica since 2019. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading and overlay responsibilities to BNY Mellon Advisors.

Matthew Adams is a Financial Solutions Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their individual priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His role includes providing guidance on investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Matthew holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his bachelor's degree from the University of California system. His approach focuses on uncovering what matters most to clients and their families to create tailored financial strategies.

Darci Kelley is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 27 years of industry experience. She has previously worked with Waddell & Reed, Inc. and various insurance carriers, and operated her own business, Darci Kelley Inc. Outside of her advisory role, she has managed a family insurance business. 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 and access to third-party asset managers, supported by extensive operational and research tools.

Michael Lubrani is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has previously worked at Di Giulio Financial and Fragello Construction. His background also includes roles at Pennsylvania State University and Belle Vernon Area School. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and deliver recommendations.

Christopher Tavares is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2025 and previously held positions at Securities America Advisors, Securities America, Inc., LPL Financial, and OSAIC. Outside of his advisory work, he is involved in mortgage lending and insurance sales, including fixed insurance products and fixed life insurance and annuities. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Anthony Azzi is a financial advisor with J.P. Morgan Securities in Irvine, CA. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior roles include positions at Edward Jones and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary, customized asset allocation advice and investment manager searches supported by centralized due diligence and a combination of quantitative and qualitative research.

Judy Copenbarger is a CFP® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. She has held previous roles at Money Truth Strategic Planning, Woodbury Financial Services, and Questar Asset Management. Outside of advising, she is president of Serenity Organic Farm Inc., which focuses on plant and animal care, and she has developed a book and course aimed at improving family relationships through financial understanding. OSAIC Wealth serves a broad range of retail and institutional clients, offering both brokerage and advisory services across multiple programs including comprehensive financial planning and portfolio management. The firm uses a model-based investment approach with portfolio optimization tools and supports a diverse platform of affiliated broker-dealer and investment adviser entities.

Ryan Schwartz is a Financial Consultant currently working at Fidelity Investments since 2025. He collaborates with individuals and families to develop personalized financial strategies that align with their goals, aiming to simplify complex decisions and support both present priorities and future opportunities. Ryan's professional experience includes roles as Vice President and Financial Consultant at Charles Schwab from 2017 to 2025, and as a Financial Advisor at Edward Jones from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan is interested in family activities, fitness, parenthood, reading, running, and traveling.

Michael Maragay is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and Merrill. Outside of his advisory role, he is an owner and partner of Roadie Nutrition, a protein snack company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates a broad range of investment strategies, including ESG frameworks.