Chinh Vuong is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. He has been affiliated with Merrill and Bank of America, N.A. since 2006. Outside of his advisory role, Vuong owns a sole proprietorship unrelated to investment activities. 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 for individuals, high-net-worth clients, and institutional investors.

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.

Brian Dao is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked exclusively within the J.P. Morgan organization since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Marianela Silva is a CFP® professional with 19 years of industry experience, currently serving at LPL Financial since 2022. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Silva owns Marigold Tax & Bookkeeping Solutions, a tax preparation and accounting service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by in-house and third-party research and portfolio management solutions.

Jonathan Glant is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Kelly Perry is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2008. In addition to his advisory work, Perry provides tax preparation services and serves as a notary to assist clients with death claims and IRA rollover documentation. LPL Financial is an SEC-registered investment adviser and broker-dealer offering financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management with access to model portfolios, third-party subadvisors, and research from LPL Research.

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.

Lincoln Lai is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prudential Insurance Company of America, Pruco Securities, LLC, and Foresters Advisory Services LLC. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services supported by research, model portfolios, and third-party portfolio strategists.

Darci Kelley is a financial advisor with LPL Financial in Tustin, CA, holding a Series 66 designation and 27 years of industry experience. Her career includes long-term roles at Waddell & Reed, Inc. and various insurance carriers for W&R Insurance Agencies, Inc. She also operated Darci Kelley Inc. for two years. LPL Financial is a national investment adviser and broker-dealer serving individual and institutional clients through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with access to model portfolios and research from multiple sources, including LPL Research and third-party subadvisors.

Camille Gaffney is a financial advisor at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Carlos Bernabe is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has previously worked at firms including LPL Financial LLC and Orange County’s Credit Union. Outside of his advisory role, he has worked as a caregiver providing support to family members. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad spectrum of clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and provides advisory services to registered investment companies and fund-of-funds.

Darren Chia is a CFP® with 17 years of experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He is also a silent investor and owner/partner in a restaurant called Our Nest. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence, with a focus on ESG considerations in its recommended investment strategies.

Shu Yuan Lai is a financial advisor at Cetera with the Series 66 designation and 23 years of industry experience. Their work history includes long-term roles at Cetera and Cathay Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with a multi-manager platform that supports various investment strategies and program structures.

Yingshu Jiang is a financial advisor at Cetera with four years of industry experience. She holds Series 65 and Series 63 licenses and has worked at several firms including W&S Brokerage, Western & Southern Life, and Keller Williams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Daniela Fricke is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2024. She previously worked at Partners Federal Credit Union and LPL Financial LLC from 2007 to 2024. Outside of her advisory role, she owns and manages a small rental real estate business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, supported by a broad range of portfolio management styles and affiliated research.

Louie A. Vargas is a Financial Advisor with the HQFV Wealth Management Group at Merrill Lynch Wealth Management. He provides financial advice and planning services to business owners, families, and retirees, helping clients develop personalized financial strategies tailored to their goals, risk tolerance, time horizon, and liquidity needs. Louie holds Series 7, 66, 9, and 10 FINRA registrations and is bilingual in English and Spanish. Louie began his career at Merrill in 2001 supporting ultra-high-net-worth clients in Merrill's Private Wealth Management office in Los Angeles. He became licensed to serve as a Market Supervision Manager in 2008 and later supervised UBS's International Wealth Management business across multiple states until returning to Merrill in 2020. With over 15 years of supervisory experience, he values collaborating with colleagues and providing clients access to comprehensive financial services. The son of a Mexican immigrant mother who worked at Merrill for more than 35 years, Louie is committed to promoting financial literacy and generational wealth building. He participates in Bank of America's Hispanic/Latino Organization for Leadership & Advancement (HOLA) mentorship program and has served as a youth mentor for over a decade. Louie is married and enjoys spending time with his family, preserving family recipes, and researching his family history dating back to 1700s Mexico.

Jiahui Xu is a financial advisor at Cetera with five years of industry experience. Xu holds Series 63 and Series 65 credentials and has previous experience at J.P. Morgan Securities and Wells Fargo. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, ranging from model portfolios to bespoke strategies, and oversees more than $256 billion in assets with over 10,000 advisors nationwide.

Margaret Sturdy is a financial advisor with LPL Financial in Anaheim, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER) since 2001. In addition to her advisory work, she occasionally sells health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Moises Macias Jr. is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and HomeStreet Bank. Outside of his advisory role, he is a baseball coach at Ayala High School in the Chino Valley Unified School District. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and various investment management options.

Ozzy Macias is currently the Vice President and Branch Leader at Fidelity Investments. In this role, he leads and inspires associates through the implementation of the company's Standards of Care, focusing on creating meaningful client relationships and delivering an exceptional Fidelity experience. He has been with Fidelity Investments since 2016, progressing from Financial Consultant to Vice President Regional Planning Consultant in 2021, before assuming his current position in 2026. His professional background is centered on financial consulting and regional planning within the organization. Ozzy holds a California Insurance License.