Nishit Arora is a financial advisor at Morgan Stanley in Irvine, CA, holding a Series 66 designation with five years of industry experience. His prior work includes roles at Robert Half and Merit Personnel & Consulting, as well as two separate periods with Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of retail and institutional investment services.

Songhee Hong is a financial advisor at J.P. Morgan Securities in Irvine, CA, holding a Series 66 designation with two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Hong worked at Merrill and Bank of America. Hong also participated in the LA Korean Festival in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm's advisory program delivers non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Brandi Evans Padilla is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2015. Outside of her advisory role, she owns Kona Butterflyz, which provides ADHD coaching and tutoring for securities licensing exam preparation. 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 accounts. The firm uses a wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Jon Massey is a financial advisor with OSAIC Wealth, Inc., holding the ChFC® and Series 63 credentials and bringing 29 years of industry experience. He previously worked at Mariner Independent Advisor Network, LPL Financial, and National Planning Corporation. Massey serves as president of Plan With Providence, LLC, which supports his advisory operations, and is a board member of Lamb’s Fellowship Church, a nonprofit organization. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by a broad range of managed account programs and consulting services.

Krishna Agnihotri is a financial advisor with LPL Financial, holding the Series 66 designation and bringing 23 years of industry experience. His career includes roles at Crown Capital Securities, Foresters Equity Services, IOF Forsters, and Ameriprise. In addition to advisory work, he devotes time to insurance sales as an independent agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

John Carlson is a CFP® professional with 25 years of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. and Redwood Investments since 2009, following a two-year tenure at Wells Fargo Advisors. Carlson is also the owner of J. E. Carlson Financial Group, Inc., a support company, and serves as an insurance agent assisting clients with non-variable life insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Christine Shepherd is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and has worked previously at UCLA and Northwestern Mutual. Outside of her advisory role, she manages an advisory business through Timberline Lane LLC. Ameriprise Financial Services is a large diversified firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice.

Ken Jo is a CFP® credentialed financial advisor at Fidelity with five years of industry experience. His prior roles include positions at Eagle Strategies, NYLIFE Securities LLC, New York Life Insurance Company, and Irvine IHC Inc. He is currently with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Jason Galardy is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 66 designation and has worked at firms including Goldman Sachs Wealth Services and FSC Securities Corporation. Outside of his advisory role, he is involved with NETTWORTH FINANCIAL GROUP. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals. The firm offers access to multiple platforms, third-party advisers, and proprietary model strategies.

Kenneth Rieger II is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior work includes 15 years at Citigroup Global Markets, followed by roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients by providing tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and offers diversified investment services across multiple client segments.

Xiude Chen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. 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 searches, and customized performance reporting with a non-discretionary approach.

Ara Malazian is a CFP® professional with 31 years of industry experience currently with LPL Financial since 2017. Prior to joining LPL, he worked at National Planning Corporation for 14 years and has owned AGM Enterprises, a technology consulting business, since 1991. He also serves as an instructor at the University of California, Irvine, and works as an independent appraiser. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Cassra Mashkouri is a financial advisor at LPL Financial with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at institutions including JPMorgan Chase Bank, J.P. Morgan Securities, and Wells Fargo. Mashkouri is also a licensed notary and has been affiliated with SchoolsFirst Credit Union since 2019. 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, and institutional platforms, supported by a network of over 22,800 advisors.

Joshua Mason is a financial advisor at Osaic Wealth with four years of industry experience. He holds a Series 66 designation and has worked previously at Mariner Independent Advisor Network and LPL Financial. His background includes roles outside finance, such as positions in collegiate athletics and retail. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

Ralph Glasgow III is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 66 licenses and 42 years of industry experience. His prior work includes roles at Securities America Advisors, Mass Mutual Investors Services, and MSI Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Susan Leivas Sturner is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 24 years of industry experience. She has been affiliated with various firms including Avantax and H&R Block, and is the owner of Leivas Wealth Management. Additionally, she works as a tax preparer and manages client relationships in a separate corporate officer role. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Romik Arakelian is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. In this role, he partners with clients to help create and implement financial plans designed to grow, protect, and transfer their wealth. Prior to joining Fidelity Investments, Romik worked as a Business Banking Specialist at Wells Fargo from 2009 to 2014. He has been active in the financial services industry for over a decade. Romik holds a California Insurance License.

Jacob Epstein is an Investment Management Consultant II at Fidelity Investments. He works with clients to develop personalized financial plans that focus on their most important goals. His approach simplifies the complexities of financial planning and investing into a tailored framework that adapts to clients' evolving lives. Jacob has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before advancing to his current role in 2023. Prior to joining Fidelity, he worked at Ameriprise Financial from 2018 to 2021, where he held positions as a Client Relationship Manager and Client Service Associate. He holds a California Insurance License. Outside of his professional work, Jacob has interests in comedy, fitness, golf, and pets.

Gregory Touchette is a financial advisor at Morgan Stanley in Irvine, CA, with 11 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Morgan Stanley in 2021, he worked at Equitable Advisors and Axa Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and research-driven investment approaches.

Sisi Wu is a financial advisor with Cetera who holds a Series 66 designation and has nine years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, HSBC Securities USA, Axa Advisors, and Bank of America. Outside of her advisory work, she is the sole owner of 810 Jarrow LLC, a rental property business. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing more than $256 billion in assets.