Nader Hosseinzadeh is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to develop wealth planning strategies tailored to their unique financial situations, leveraging Fidelity's investment platform and trusted brand. Nader brings extensive experience in financial consulting, having held roles such as Financial Consultant at Fidelity Investments from 2020 to 2025, Licensed Premier Banker at Wells Fargo Clearing Services, LLC in 2020, Financial Advisor at U.S. Bancorp Investments, Inc. from 2018 to 2020, Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2016 to 2018, and Licensed Private Banker at UnionBanc Investment Services from 2015 to 2016. He holds a California Insurance License. Outside of his professional work, Nader enjoys family activities, golf, music, and soccer.

Sukhman Kaur is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. Her prior work includes roles at Bank of America, City National Bank, BMO, Bank of the West, and Wells Fargo. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Douglas Hartman is a financial advisor with Primerica Advisors in Coto De Caza, CA, holding Series 63 and Series 65 designations and over 43 years of industry experience. He has been with Primerica Financial Services and its affiliated advisory firm since 1980 and 1981, respectively. Hartman is also the owner of Ten Talent, Inc., a nonprofit organization supporting various ministries. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Debbie Chien Cabudol is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has worked with Merrill and its predecessor firms since 2008, including a tenure at Bank of America. 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 offers model-based and discretionary investment strategies and serves a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Francis Ponzio is a financial advisor at Fidelity with three years of industry experience. He previously worked at Thrivent Investment Management Inc and Farmers & Merchants Bank of Long Beach. Ponzio holds the Series 63, Series 65, and Series 66 designations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and systematic portfolio construction. The firm is noted for its use of algorithmic methods and AI in research, its role in managing registered investment companies, and its development of model portfolios for intermediary platforms.

Joseph Peralta is a CFP® professional with 36 years of experience in financial advising. He is currently with Cetera, where he has worked since 2020, and previously spent 14 years at First Allied Securities, Inc. Outside of his advisory work, he serves as co-trustee of a family trust and is commissioned as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve 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 that includes affiliated and third-party managers, accommodating various investment programs and supervisory structures.

Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amber Emmerson is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has worked at Diversified Securities, Inc., Grove Point Investments, LLC, and Grove Point Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Stephen Andrusky is a CFP®-designated financial advisor with 25 years of industry experience. He is currently with LPL Financial in Anaheim, CA, having previously worked at Charles Schwab and TD Ameritrade. He also serves as a Member Experience Advisor at Partners Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Fu Lin is a financial advisor at Cetera with 22 years of industry experience and holds the Series 66 designation. Fu Lin has worked at Cetera and Cathay Bank since 2017 and previously held roles at OneAmerica Securities and American United Life. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large nationwide network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

Worawit Tongprajiad is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 66 designations and bringing 17 years of industry experience. His prior roles include positions at Waddell & Reed, Inc. and various insurance carriers, as well as involvement with Brio La Habra Community Association. LPL Financial serves individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a large network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and utilizes a broad range of model portfolios and research resources.

Matt Tran is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He began his career at Fidelity as an Investment Consultant in 2021 before transitioning to his current position. Prior to joining Fidelity, Matt worked as a Premier Banker at Wells Fargo Bank from 2014 to 2021. Matt's approach centers on thoroughly understanding his clients and their financial goals. He aims to ensure that all important aspects of his clients' financial situations fit together, providing them with a clear financial picture and peace of mind as they work toward achieving their objectives. He holds a California Insurance License. Outside of his professional work, Matt enjoys family activities, football, golf, movies, and traveling.

Christopher Kislig is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2016. In this role, he partners with individuals and families to develop financial plans and investment strategies aimed at helping clients work toward their current and future goals. Christopher has been with Fidelity Investments since 2013, starting as a Relationship Manager, then serving as an Investment Consultant before advancing to his current position. He holds a California Insurance License, which supports his ability to provide comprehensive financial advice.

David Penn is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2014. Penn serves as a member of a municipal Finance/Investment Committee, contributing to the oversight and selection of city investments. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Nhan Nguyen is an Investment Solutions Representative III at Fidelity Investments, where he partners with clients to understand their financial goals and to develop customized financial plans. He emphasizes forming strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work. Nhan has professional experience as a Financial Advisor at Merrill Lynch from 2019 to 2020 before joining Fidelity Investments in 2021. He holds a California Insurance License.

Bryson Harnett is a Financial Advisor with The Harnett Group at Merrill Lynch Wealth Management, based in Orange County, California. He works alongside a family-oriented father-son team to provide personalized financial planning services focused on retirement planning, portfolio management, concentrated stock positions, and wealth transfer strategies. Bryson's role involves assisting individuals and families in managing their financial goals and objectives, enabling clients to feel confident in their investment decisions. Bryson earned a Bachelor of Arts degree in Economics from California State University San Marcos in 2020. He attained the CERTIFIED FINANCIAL PLANNER® (CFP®) designation in the summer of 2024 and also holds the Personal Investment Advisor (PIA) designation. He is affiliated with the Sigma Chi International Fraternity. In his personal time, Bryson enjoys baseball, chess, cooking, football, golfing, reading, running, and spending time with his family.

Gary Potter is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2009 and at Bank of America, N.A. since 2011. He also serves as a trustee for a fiduciary entity in Whittier, 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Gustafson Jr. is a CFP® and Series 66 certificant with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers various discretionary and non-discretionary investment strategies under a fiduciary standard.

Henry Lau is a ChFC® credentialed financial advisor with 12 years of industry experience, currently affiliated with J.P. Morgan Securities in City of Industry, CA. He has been with JPMorgan Chase Bank, N.A. 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, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Michael Youssef is a financial advisor with Fidelity, holding a Series 66 designation and 16 years of industry experience. He has been with Fidelity Investments since 2010 and currently serves in roles within both Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory work, he serves as a board member for the Hidden Canyon Community Association in Irvine, California. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a research-driven and quantitative approach to portfolio construction. The firm utilizes model portfolios derived from mutual funds, ETFs, and ETPs, and engages in advisory roles including for registered investment companies and fund-of-funds.