William Anast is a financial advisor with Mass Mutual Investors Services in Orange, CA, holding a Series 63 designation and 31 years of industry experience. He has been with MassMutual and its affiliated firms since 1994. Outside of his advisory role, he is involved in a direct insurance business working with insurance companies outside of the MassMutual system. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, ongoing financial planning engagements and offers specialized programs including estate settlement and employer-sponsored planning.

Carlos Rosales Vasquez is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member and secretary for El Nido Family Centers, treasurer and finance committee leader at LA Plaza de Cultura y Artes, and president of the Palomares Walk HOA. He also owns Anteater Home Solutions and participates as a board member of NAHREP LA San Gabriel. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Diane Salazar is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 32 years of industry experience. She previously worked at Merrill for 19 years before joining LPL Financial in 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Andrew Chou is a CFP® professional with over 21 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Woodbury Financial Services, OSAIC, and Centaurus Financial. Outside of his advisory role, he serves as a city councilman in Diamond Bar, CA, and manages a trading company specializing in industrial ceramic parts. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, and institutions. The firm offers a variety of advisory programs and financial planning services supported by in-house and third-party research and employs both discretionary and non-discretionary management strategies.

Amy Mei is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has been with UBS since 2016. Outside of her advisory work, she is an owner of a real estate business. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary research and model-based strategies to tailor investment plans aligned with clients’ goals and risk tolerances.

Todd Dreyer is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 37 years of industry experience. He previously worked at Tax and Financial Group, Securian Financial Services Inc., and Minnesota Life. Outside of his advisory role, he is the owner of a real estate rental business in Riverside, California. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Ryan Tolan is a financial advisor at Ameriprise with 18 years of industry experience. He has held roles at Ameriprise and Ameriprise Financial Services, Inc. since 2007. He holds a Series 66 designation and is based in La Verne, CA. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, with a focus on assets held in Ameriprise Managed Accounts and the use of algorithmic automation to generate tailored recommendations.

Denise Zapata is a financial advisor at LPL Financial with 24 years of industry experience. She holds the Series 66 designation and has previously worked at Cambridge Investment Research Advisors and FSC Securities Corporation. Outside of her advisory role, she is the owner of ONYX FLOWER MEDICINE, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management.

Phillip Kiriboon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. He is based in West Covina, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, combining adviser programs with brokerage and insurance products through an integrated platform.

Michael Nackerud is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA and TIAA-CREF. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process includes firm-approved tools and modeling techniques, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Yvette Garcia is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been affiliated with Wells Fargo in various capacities since 2009. Outside of her advisory work, she co-owns several small businesses with her spouse, including handmade crafts and a record label, and serves as vice president of a homeowners association. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and delivers tailored recommendations using proprietary research and tools.

Susan West is a CFP®-designated financial advisor with Morgan Stanley in Brea, California, bringing 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.

Todd Porter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Christopher Andres is a financial advisor with Merrill, holding Series 65 and Series 66 designations and three years of industry experience. He previously worked at T-Mobile USA for 13 years before entering the financial services field. Andres is based in West Covina, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

John Splain is a financial advisor with Raymond James & Associates in Yorba Linda, CA, holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has been with Raymond James & Associates since 1993. Outside of his advisory role, he serves as a trustee for an investment-related entity and has a personal investment interest in a solar energy business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad range of investment strategies and affiliated research.

Shawn Ecklund is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2008. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to model potential outcomes, supporting client implementation through various advisory programs.

Daniel Foley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He previously worked at BlackRock Investments, LLC for 12 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jae Hyeong Koo is a financial advisor at J.P. Morgan Securities with 4 years of industry experience. He holds the Series 66 and Series 63 designations. His prior work includes positions at JPMorgan Chase Bank, N.A., and KMW USA Inc., as well as a role at Mr. BBQ. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Frisco Escudero is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera Investment Advisers LLC since 2020 and its affiliated entities since 2008, as well as Orange Capital Management since 1997. Outside of advisory work, he provides coaching on financial planning software and teaches retirement planning through the Financial Educators Network. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.