Carlos De La O Rivera is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides personalized wealth management strategies that align with clients' individual goals and adapt to changing market conditions. Carlos offers access to investment insights from Merrill as well as banking and lending solutions through Bank of America. Carlos holds the Professional Investment Advisor (PIA) designation and earned a bachelor's degree from Universidad del Sagrado Corazon. He is committed to working closely with clients to develop individualized financial strategies focused on pursuing long-term objectives. Additionally, Carlos participates in community volunteer activities, reflecting the Merrill tradition of engagement in the communities served.

Julie Forman is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves as a trustee and co-trustee for investment-related trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, including financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory approach.

Frank Epinger is a financial advisor with Raymond James & Associates in Pasadena, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior roles include positions at Wedbush Securities, JPMorgan Chase Bank, and J.P. Morgan Securities. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, with notable capabilities in public finance and municipal services.

Cole Teague is a financial advisor at LPL Financial, holding a Series 66 designation with less than one year of industry experience. His prior work includes roles at TeamViewer, Ripple Street, Emotive, and the Spanish Ministry of Education, Culture, and Sport. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services supported by model portfolios, research, and various portfolio management options.

Edward Malicdem is a Wealth Management Advisor and Senior Vice President at Merrill Lynch in Pasadena, California. In this role, he works with families and businesses to develop wealth management strategies, utilizing Merrill's tools to create dynamic and flexible plans. He collaborates closely with clients' attorneys, CPAs, and family members to address estate planning and retirement strategies holistically. Edward earned dual degrees in Political Science and History from the University of California at Berkeley and studied law at Whittier College School of Law before transitioning into financial services. He holds the Personal Investment Advisor (PIA) designation and serves on the Merrill Lynch Financial Advisor Advisory Council to Management. A native of Southern California, Edward is active in his community through his role as President of the Board of Trustees at Search to Involve Pilipino Americans and his involvement in St. Dominic Parish. He resides in Eagle Rock with his wife, Monique, and has two adult children. In his leisure time, he enjoys travel, attending theatre and sporting events.

Erinleigh Baldivia is a financial advisor at Charles Schwab with 15 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2014 and also worked at Charles Schwab Bank SSB from 2014 to 2023. She holds a Series 66 designation. Charles Schwab & Co., Inc. primarily serves 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 and discretionary investment management options, combining multi-asset model portfolios with a distinctive operational structure that integrates advisory, brokerage, and custody services.

Marcos Lacson is a financial advisor at Merrill with Series 63 and Series 66 credentials and 29 years of industry experience. He has been with Merrill since 1994. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with a broader range of banking and lending services under Bank of America’s platform.

William Swanner is a Series 66 licensed advisor with eight years of industry experience. He is currently with Merrill and previously worked at Fidelity Investments, Kestra Private Wealth Services, Hilltop Securities, and other firms. Merrill provides managed account services through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies executed by Managed Account Advisors LLC, supported by Merrill’s Chief Investment Office and integrated within Bank of America’s broader platform.

Ronald Coleman is a financial advisor with LPL Financial in Claremont, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Hank Tsai is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with six years of prior experience at Cathay Bank and two years at Citibank. He joined Morgan Stanley in 2025. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations to support its advisory services.

Mindy Cheng is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Bank of America and Merrill. She has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2019. J.P. Morgan Securities 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.

Arthur Lin is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2023. Lin holds a real estate license and owns a business managing his Ameriprise practice. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, emphasizing managed accounts and utilizing algorithmic tools overseen by a dedicated retirement income team.

Philip Cheng is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, Bank of the West, and BancWest Investment Services. Outside of his advisory role, he co-owns a dog sitting and doggie day care business in Glendora, California. 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 includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ying Gao is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She concurrently owns and supervises operations at Best Quality Food Company Inc, a meat distribution business. 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.

Shishir Shastry is a financial professional with seven years of industry experience, currently affiliated with Cetera. He holds Series 65 and Series 63 licenses and has worked at multiple firms including Minnesota Life Insurance Co, MassMutual Investors Services, and Pruco Securities LLC. Outside of advisory roles, he is involved in charitable pharmacy discount promotion through BuzzRx and works as a part-time real estate agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with diverse program structures and custodial relationships.

Neil Faulmino is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Citigroup, JP Morgan Securities, and Chase Bank. 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 a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Margarita Gover is a Series 66-registered financial advisor at Edward Jones with eight years of industry experience. She has worked at Edward Jones since 2018 and previously at Gexpro Services for three years. Edward Jones is a full-service wealth management firm serving more than 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, supported by a nationwide network of over 23,700 financial advisors.

Jingdi Sun is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has been with J.P. Morgan Securities and JPMC BANK NA (Southwest) since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ricardo Rosas is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank and JP Morgan Chase Bank. Rosas has been with Merrill and Bank of America since 2019. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and other fiduciaries. The firm integrates investment management with Bank of America's broader corporate platform, providing access to a wide array of products and services.

Anasheh Baghoomian is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in partnering with clients to develop financial strategies that align with their unique goals and values, with a focus on college education planning, legacy planning, personal retirement planning, portfolio management, and investment strategies for individuals, corporations, and small businesses. She also works with clients in specific areas including services for endowments, foundations, non-profits, women and wealth, as well as sports and entertainment sectors. Anasheh holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. She completed her education at Glendale Community College. She is fluent in Farsi, Armenian, and English. Outside of her professional work, Anasheh enjoys basketball, cooking, hiking, music, reading, running, soccer, swimming, traveling, and spending time with her family.