Eric Ma is a financial advisor at Cetera with 20 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Cetera in 2022, he worked at U.S. Bancorp Investments, HSBC Securities (USA) Inc, Wells Fargo Advisors LLC, and Wells Fargo Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with various program structures and investment options.

Jiaoling Cai is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She has worked at JP Morgan Chase Bank and JP Morgan Securities since 2019 and previously held roles at Unionbanc Investment Services and MUFG Union Bank from 2016 to 2019. Cai holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm offers services on a non-discretionary basis, with client decision-making authority retained.

Manuel Chinchay is a CFP® with 14 years of industry experience. He is currently with LPL Financial and has previously worked at Fsc Securities and The Advisory Group. He is also involved in non-variable insurance activities through his own business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Sichen Li is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and 11 years of industry experience. Prior to joining Edward Jones in 2025, Li worked at Transglobal Advisory, Globalink Securities, and Transglobal Insurance Agency, among other firms. Li is also the CEO of Overflow Financial Management Inc., a life insurance business based in Chino, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, affiliated mutual funds, and tax-efficient services.

Taras Polakoff is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His background includes roles at LPL Financial, the City of Irvine, and Premier Aquatic Services LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jose Ching is a financial advisor with Ameriprise in Monterey Park, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies.

Trevor Kleineahlbrandt is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Western International Securities, Inc. for 23 years. He serves on the board of directors for Lytle Creek Firing Line, a non-investment-related organization. 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 brokerage services supported by research and model portfolios, serving both discretionary and non-discretionary management needs.

Jason Pugmire is a financial advisor at Charles Schwab in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles in surgical esthetics and retail, as well as involvement with the CSUN VITA program. Charles Schwab serves a large client base of primarily 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 guidance employing multi-asset model portfolios and centralized operational support.

Nicholas Smith Sr. is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018, following three years at City National Bank. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Jerry Candia is a financial advisor at LPL Financial with 27 years of industry experience. He has held his current position since 2009 and holds Series 63 and Series 66 licenses. Outside of his advisory work, he coaches the Monrovia High School Mountain Bike Club. 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 and financial planning services, utilizing various investment strategies supported by both internal and third-party research.

Samuel Martinez is a financial advisor at OSAIC with one year of experience in the industry. He holds the Series 66 designation and has worked previously at RABco Financial, Pointwealth Capital Management, El Proyecto del Barrio, Verizon, and Ross Dress for Less. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm employs a range of asset-allocation tools and offers integrated brokerage, advisory services, and access to third-party money managers and wrap programs.

Haissam Alrachid is a financial advisor with Equitable Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he serves as CFO and Secretary for No Mind Left Behind, a nonprofit organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model that incorporates advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Raymond Siu is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and TD Ameritrade Inc. He is also a joint tenant on a residential property where he collects rent from an additional unit. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm provides integrated brokerage, custody, and advisory solutions supported by multi-asset portfolios and a formal due diligence process for alternative investments.

James Sheridan is a financial advisor with UBS Financial Services holding a Series 63 designation and 33 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Sean Chang is a Series 66-registered financial advisor with Merrill, based in Arcadia, CA, and has nine years of industry experience. He has been affiliated with Bank of America and Merrill since 2013. Outside of his advisory role, he contributes one hour monthly as a user reviewer for a corporation called User Testing, providing feedback on user experience. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, delivering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Jeffrey Steel is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets Inc. since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, using structured planning tools and modeling techniques, while generally acting in an advisory capacity rather than providing individual security recommendations.

Hyrum Chen is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Moreton Asset Management and JPMorgan Chase Bank. Chen also spent time as an independent contractor and has experience associated with Brigham Young University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a process that combines quantitative modeling and centralized due diligence.

Richard Jacobsen is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Charles Schwab and its bank affiliate since 2011 and 2013, respectively. Charles Schwab & Co., Inc. serves primarily 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 integrates non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Nicole Luo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Rong Wang is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to Merrill, Wang worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.