Santiago Arreola Marcial is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill since 2018 and previously held positions at Instacart and Farmers and Merchants Bank of Central 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and 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 solutions.

Bevan Poyyak is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior experience at JPMorgan Chase Bank and Partners Federal Credit Union. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicolas Alamillo is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He collaborates with individuals to develop customized financial plans tailored to their unique situations and goals. His work focuses on retirement planning, income strategies, and tax-efficient investing. Nicolas has accumulated experience within Fidelity Investments through various roles, including Investment Consultant (2025-2026), Planning Consultant (2022-2025), and Relationship Manager (2021-2022). He holds a California Insurance License.

Tim Chu is a Financial Consultant at Fidelity Investments, where he currently focuses on Wealth Planning, including Investment Strategies, Retirement Planning, and Income Planning. He aims to guide clients in discovering ways Fidelity can support them and their families in achieving their financial goals. Tim has held several roles at Fidelity Investments, progressing from Investment Solutions Representative (2021-2022) to Workplace Planning Consultant (2022-2023), Planning Consultant (2023-2024), and currently Financial Consultant since 2024. Prior to Fidelity, he worked as an Annuity & Life Insurance Specialist at Auto Club of Southern California (2020-2021), and as a Financial Advisor at JPMorgan Chase & Co (2009-2010) and Metlife (2006-2008). He holds a California Insurance License.

Joseph Klahorst is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently with Cetera and has held positions at First Allied Advisory Services and First Allied Securities. In addition to his advisory work, he owns Golden Hills Investment Advisors. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary accounts.

Keith Carr is a Financial Consultant I at Fidelity Investments, where he focuses on understanding the needs of clients and their families to develop aligned financial plans. He has been with Fidelity Investments since 2021, initially serving as a Planning Consultant before assuming his current role in 2026. Prior to joining Fidelity, Keith worked as a Premier Banker at Wells Fargo from 2008 to 2021. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, Keith has personal interests that include attending concerts, fishing, football, golf, music, and outdoor adventures.

Jonathon Gonzales is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of his advisory role, he owns an LLC that holds title for a vessel. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-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.

Erin Goodrich is a Wealth Management Advisor at Merrill Lynch Wealth Management who works primarily with business owners and their families. She helps clients understand the integration of their business and personal finances, especially in complex or interconnected financial decisions. Erin's expertise includes investments, banking and lending, cash flow planning, tax-aware strategies, and evaluating business investment decisions. She collaborates closely with clients' CPAs, attorneys, and other advisors to align financial strategies with clients' goals. She holds a Master of Science in Financial Planning from the College for Financial Planning and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor® (CEPA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Erin is experienced in assisting business clients through all stages of business ownership, focusing on planning for business succession and estate strategies. Outside of her professional work, Erin is involved with community organizations such as the Cal State Fullerton Children's Center, Epilepsy Connection, Friends of Joshua Tree, and Girl Scouts of Orange County. Her personal interests include camping, cooking, hiking, painting, photography, reading, rock climbing, spending time with family, and writing.

Joseph Trabert is a financial advisor with Osaic Wealth, Inc. based in Corona, California. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Osaic in 2024, he spent 16 years at Securities America, Inc. and has been president of Kei Financial, an insurance sales business, since 1999. As part of his practice, he conducts risk analyses of clients’ insurance coverage to identify and address potential exposures. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing a variety of tools and third-party resources to construct diversified portfolios tailored to client needs.

Trenton Hinely is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior work experience including roles at Public Legacy, Hurley, and Cavalry Ambulance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides various advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Tony Ly is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. 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 its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Dorian Sandoval is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank Leumi USA, Leumi Investment Services Inc., and Valley Financial Management, among others. Sandoval is also involved in CitizensTrust Investment Services, an affiliated business related to his LPL practice. 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 a variety of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

Yuanyuan Liu is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Prior to joining Merrill in 2023, Liu worked at UBS Financial Services Inc. and has held positions in various companies including Marsh USA, Inc. and KCAL P&C Insurance Services. Outside of her advisory role, Liu is employed at a tea shop where she handles customer orders and prepares beverages. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Deeba Zaman is a Resident Director and Senior Financial Advisor with Merrill in Ontario, California. She collaborates closely with individuals and families to provide personalized wealth management strategies. Deeba advises clients on a range of financial topics including college education planning, family wealth management strategies, personal retirement planning, and portfolio management services. She serves as a single point of contact for her clients’ financial questions, helping them establish a clear understanding of their current financial situation and long-term goals. Since joining Merrill in 2007, Deeba has developed her expertise through professional education and earned advanced degrees. She holds a Bachelor's degree from the University of California system and a Master's degree from the University of Southern California. She also holds the Personal Investment Advisor (PIA) designation. Deeba approaches financial advising with attention to both the technical and personal aspects, listening closely to her clients to address their financial needs as well as their aspirations. Outside of her professional role, Deeba enjoys cooking, music, spending time with her family, and traveling. She resides in Southern California with her husband and their Maltese Chihuahua mix, Rocky, and has a particular enthusiasm for Disney.

David Wolfe is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with PFS Investments Inc. since 2013 and has longstanding involvement with Biola University and Cerritos Nazarene Church. In addition to advisory services, Wolfe is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed accounts for individual and high-net-worth clients, operating primarily as a wrap-fee solution. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a tiered percentage-based fee structure and maintaining oversight of its investment models.

John Chau is a CFP®-certified financial advisor with J.P. Morgan Securities, based in Anaheim, CA, and has 27 years of industry experience. He has been with 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 team of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis.

Arthur Velasco is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Citizens Business Bank and LPL Financial since 2018, with prior experience at Raymond James Financial Services and Investment Centers of America. LPL Financial is a national 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 and financial planning services, utilizing model portfolios, third-party research, and technology-driven strategies.

Thomas Morgan is a financial advisor at Ameriprise with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mass Mutual Investors Services, LPL Financial, and Trilogy Financial Services. Morgan is based in Tustin, CA. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team in partnership with client advisors.

Angie Feng is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management Group, based in the Orange County Inland Empire Market, Ontario office. She provides holistic wealth management strategies tailored to high net worth clients, focusing on their individual needs and goals. Angie has built extensive client relationships over her 16-year career serving offshore and onshore high net worth individuals, business owners, executives, and families. Her areas of expertise include family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, and retirement income. Angie also advises clients on banking, credit, and custom lending through Bank of America, retirement and investment advisory strategies, estate and wealth transfer planning, and business succession planning. She employs a team-based approach to develop and implement comprehensive wealth plans. Angie holds a Bachelor of Science degree from California State University, Fullerton, with an emphasis in Finance and International Business. She maintains her Series 7 and 66 FINRA registrations, life insurance license, and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Fluent in Mandarin and Cantonese, Angie enjoys cooking, golfing, reading, and spending time with her family in her free time.