Kristin Charlebois is a financial advisor with OSAIC based in La Verne, CA. She holds a Series 66 designation and has three years of industry experience. Prior to joining OSAIC, she has worked with Royal Alliance Associates, INC. since 2023 and has been involved with Pension Portfolios, Royal Alliance Associates since 2004. Charlebois also provides notary public services as a courtesy to clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

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 Cambridge Investment Research Advisors since 2019 following five years at FSC Securities Corporation. Outside of his advisory role, he is involved with Nettworth Financial Group in a marketing and trading capacity. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals utilizing various portfolio management and model-based solutions.

Thanh Nguyen is a Financial Consultant currently working at Fidelity Investments since 2021. Prior to this role, Thanh has accumulated experience as a Private Client Advisor at JP Morgan from 2019 to 2021, a Financial Planner at Prudential in 2019, and a Financial Advisor at Wilson Financial Advisors from 2016 to 2019. Thanh holds a California Insurance License. Thanh focuses on building long-term relationships with clients to understand their unique financial goals and needs. Thanh's approach includes providing a holistic view of wealth planning, encompassing financial planning, investment strategies, and tax-efficient investing, often aiming to support clients across multiple generations. Outside of professional commitments, Thanh enjoys badminton, gardening, hiking, and soccer.

Phillip Bracey is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. He has been associated with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of advisory work, he owns and operates tax preparation services and serves as a church elder at Kindred Outreach Ministries Inc. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, institutional, and retirement plan clients. The firm offers a multi-manager platform with diverse portfolio management options and financial planning services.

Joshua Mason is a financial advisor at Osaic Wealth with four years of industry experience. He holds a Series 66 designation and has previously worked at Mariner Independent Advisor Network and LPL Financial. His background also includes roles outside of finance such as positions with California Baptist University and in athletics. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers a variety of financial services including brokerage, investment advisory, and retirement plan consulting, utilizing tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Brian Cobian is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 15 years of industry experience. He previously worked at OneAmerica Securities and American United Life from 2011 to 2026. Outside of advisory work, he is involved in tax services through AAABC Tax Services, Inc., where he is a business owner. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Dave Adams is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He worked at Vanguard Group for nine years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach includes quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework, offering services on a non-discretionary basis through a select group of wealth advisors.

Kevin Tolan is a financial advisor with Ameriprise in La Verne, CA, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is the owner of Trinity Family Ventures, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Melissa Robman is a CFP® and holds a Series 66 license with 10 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

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.

Diana Chan is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 66 designation and has previously worked at J.P. Morgan Securities and Bancwest Investment Services. Chan has maintained a role at Bank of the West since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of financial products and significant operational support.

Muhammad Khan is a financial advisor with Fidelity who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment products, including model portfolios and fund advisory services.

Darice Tsai is a financial advisor at Edward Jones in Glendora, CA, holding a Series 66 designation with 10 years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

John Cao is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and five years of industry experience. He has previously worked at Merrill and Bank of America and operates an e-commerce business selling clothing, tickets, and cards. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized manager due diligence and an ESG eligibility framework.

Sean Bracey is a ChFC® and Series 66-registered financial advisor with 16 years of industry experience. He is currently with Cetera and has previously operated Bracey Tax & Financial Services, where he provided tax preparation and financial planning services. Outside of his advisory work, he serves on the finance committee of Life Bible Fellowship Church. Cetera Investment Advisers LLC is a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients across discretionary and non-discretionary investment programs, offering access to a variety of model portfolios, third-party managers, and customized strategies.

Kyung Suk Choi is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Bank of Hope, Cetera, and Mirae Asset Wealth Management. 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 both brokerage and advisory solutions.

Cory Murdock is a financial advisor with OSAIC based in Anaheim, CA, holding the CFP® designation and Series 63 and 65 licenses. He has 29 years of industry experience, including 21 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He operates a sole proprietorship as a fixed life insurance broker. OSAIC serves a wide range of clients, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of advisers. The firm employs various asset-allocation tools and third-party platforms to manage diversified portfolios across multiple investment vehicles.

Curtis Viggers is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 31 years of industry experience. His prior roles include positions at TruStage and J Alden Associates, Inc. He is also involved in selling non-variable insurance products such as whole life and fixed index universal life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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.

Edward Yoon is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 30 years of industry experience. His prior work includes long-term roles at First Allied Securities and Advisory Services before joining Cetera. Yoon is also active in financial education, serving as an instructor at Harvest Financial for several years. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and maintains over $256 billion in assets under management across more than 10,000 advisors.

Frank Saldana is a Series 66-credentialed advisor with J.P. Morgan Securities, based in Ontario, CA, and has 16 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.