Mandy Woo is a CFP® with 25 years of experience in the financial services industry, currently affiliated with Ameriprise Financial Services, LLC since 2001. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she is the owner of a consulting business, Your Financial Fearless Partners LLC, and provides in-home care under California’s IHSS program. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Atsushi Kurosawa is a CFP® and ChFC® with 12 years of experience in the financial services industry. He currently works at LPL Enterprise and has prior experience at Prudential Insurance Company of America, Pruco Securities, LLC, Guardian Life Insurance Company, and Park Avenue Securities. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model portfolio wrap programs, and access to brokerage and insurance products via its integrated platform.

Aaron Johnson is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following two years at Bank of The West and BancWest Investment 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 with over 14,000 advisors and offers a range of brokerage and advisory solutions.

Brian Lin is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds Series 65, Series 63, and Series 66 licenses. Prior to joining Wells Fargo Clearing in 2026, he worked at Robinhood Financial from 2020 to 2022, Morgan Stanley from 2019 to 2020, and JPMorgan Chase in 2018. 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 combines proprietary research with third-party analytics to support its diversified investment approach.

Katherine Gallardo is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and bringing six years of industry experience. She previously worked at Merrill for four years and MUFG Union Bank for ten years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Paul Walters is a CFP®-designated financial advisor with 32 years of industry experience. He has been with LPL Financial since 2017 and previously worked for National Planning Corporation for 18 years. Outside of his advisory role, he serves as a high school football referee in Orange County and works as a paralegal at a law firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, multiple advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Rhett Savitch is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Charles Schwab in Irvine, CA. He has been with Charles Schwab and its affiliated entities since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a structured approach to alternative investments.

Kelsey Belsito is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Outside of her advisory role, she has been involved with Woody's Diner since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its offerings.

Makan Matin is a financial advisor with Wells Fargo Clearing in Laguna Niguel, CA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2015 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is investment policy statement-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Ruby Bohra is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at Bank of America, Merrill, and H & R Block. She was also involved with Bohra Enterprises Inc. for over a decade. Ruby offers investment products and services through LPL Financial using the trade name Orange County's Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of financial planning and advisory programs supported by research and technology-driven solutions.

Andrew Wang is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and JPMorgan Chase Bank, N.A. prior to his current role. J.P. Morgan Securities LLC 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 recommendations.

Andrew Hong is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth and retirement planning along with managing discretionary assets. With 11 years of experience at Merrill, he works closely with clients to develop personalized financial strategies aimed at achieving long-term financial freedom. His client focus areas include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Andrew holds a Bachelor of Arts in Economics from the University of California, Berkeley. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows Merrill’s tradition of community involvement and dedicates time to volunteering locally. Outside of work, Andrew enjoys biking, bowling, hiking, music, reading, and watching movies.

Shawn Hochuli is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and having 26 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he has served as a football official and referee for NFL and NCAA games. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by in-house and third-party research.

Anthony Bertocchini is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He previously worked at Diversified Investment Services, Inc. and Commonwealth Financial Network, each for 14 years. His additional business activities include involvement with Atherton Holdings Inc., a non-investment-related entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management, supported by research and technology-driven tools.

Chase Pollard is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2011. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Soo Min Lee is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2019, also holding a concurrent role with JPMC Bank NA since 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling and centralized due diligence, incorporating an ESG eligibility framework in its investment recommendations.

Kanin Sathienvantanee is a CFP® credentialed advisor with Charles Schwab, bringing 21 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2005. Prior to his advisory role, he was involved in real estate and property management from 2013 to 2017. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of brokerage, advisory, custody, and financial planning services with a focus on multi-asset model portfolios and both non-discretionary and discretionary investment options.

Francis Reinhard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Bank since 2004 and has been with Wells Fargo Clearing and its predecessor entities since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is driven by investment policy statements and modern portfolio theory, and it includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Daniel Filippi is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, UBS Financial Services, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Abraham is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, BC Forward, and IBM. Outside of financial advising, he operates a human resources and talent acquisition consulting business, Talent Resource Partners, founded in 2009. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.