Alan Nakamura is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm for over three decades, providing clients with customized financial counseling tailored to their individual goals, needs, and risk tolerance. Alan's approach focuses on client goal-oriented asset management, and he specializes in areas including college education planning, family wealth management strategies, portfolio management services, small business strategies, and retirement income. Alan holds a Bachelor's Degree from San Diego State University and a Master of Business Administration from Indiana Wesleyan University. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His commitment to service extends beyond his professional role; Alan serves on the boards of Forest Home Christian Camp and OC United and is part of the leadership team of the Merrill Christian Focus Group. Previously, he served as an elder at his local church. Residing in Yorba Linda with his wife Sharon, Alan enjoys spending time with their four children and three grandchildren. His personal interests include golfing, soccer, and traveling.

Hongjian Zeng is a CFP® with seven years of industry experience, currently serving at LPL Enterprise. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as work at Harmony Investment and Management LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities through a large network of investment adviser representatives. The firm emphasizes model-driven investment implementation using portfolios from LPL’s Research Department and third-party strategists, and it offers services including financial planning, access to third-party asset managers, and insurance product facilitation.

William Rodgers is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His career includes extensive tenure with Avantax Advisory Services and its affiliated firms, as well as operating the William Rodgers Company, which provides tax preparation and accounting services. He also serves as successor trustee for several family trusts. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over 10,000 advisors managing assets exceeding $256 billion.

Gary Hall is a financial advisor with Charles Schwab in Brea, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Charles Schwab since 2013 and with Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Philip Rubia is a financial advisor with LPL Financial in La Habra, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at CUSO Financial Services, Wescom Financial Services, and Wescom Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Clay Morris is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2015 and has 10 years of industry experience. He also serves as a notary public for clients. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional programs, supported by a large network of investment adviser representatives.

Herbert Padilla is a financial advisor at Primerica Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 1988. Outside of his advisory role, he serves as president of HPadilla, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors who utilize model-driven investment strategies managed by unaffiliated asset managers.

Andrew Schroeder is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. Prior to this role, he worked as a Financial Advisor at Ameriprise Financial Services, Inc. from 2015 to 2018. His professional focus includes building long-term client relationships based on trust and understanding each client's unique priorities. Andrew's approach involves providing personalized financial guidance and planning support tailored to clients' evolving goals, financial complexities, and individual risk tolerance. He emphasizes offering a disciplined and thoughtful perspective to help clients navigate financial decisions through changing market environments. Andrew holds a California Insurance License.

Rain Qin is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Rain worked at Bank of America from 2018 to 2022 and East West Bank from 2012 to 2018. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Maloney is a financial advisor with Merrill in Tustin, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2020 and has also worked at Bank of America, N.A. since 2011. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Spencer Zumbek is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior to joining Fidelity, his work history includes roles in the hospitality and food service sectors. He has also been involved with Doordash over several years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Lily Lu is a CFP®-certified financial advisor at OSAIC with 27 years of industry experience. She previously worked at Securities America Advisors, Inc., Securities America, Inc., Banc Of America Investment Services, Inc., and Uvest Financial Services Group, Inc. She is also licensed to provide fixed insurance products to clients. OSAIC serves a diverse range of retail and institutional clients through a large multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with an emphasis on asset allocation, portfolio optimization, and risk management.

Scott Cheo is a financial advisor at LPL Financial with 17 years of industry experience. He holds the CFP® designation and Series 66 and Series 63 licenses. His prior experience includes roles at Schwab Wealth Advisory, Charles Schwab & Co., Optimize Financial Inc., Wells Fargo Advisors Financial Network, and City National Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management strategies supported by technology and a large network of advisors.

Adriana Wagner is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2019. She has progressed through several roles within the firm, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as a Banker at US Bank in 2018. Her work focuses on collaborating with clients to identify strengths and opportunities within their financial plans and co-creating strategies tailored to their individual goals. Adriana holds a California Insurance License. Outside of her professional responsibilities, Adriana enjoys spending time at the beach, gardening, traveling, playing golf, exploring food, and caring for pets.

Andre Lee is a financial advisor at Osaic with a Series 66 credential and less than one year of industry experience. His recent work history includes roles at Cal State Fullerton University and Pasadena City College, as well as positions outside finance such as Mister Car Wash and Colombo's Italian Restaurant. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment programs delivered through affiliated broker-dealer and RIA relationships.

William Fetter is a financial advisor with Edward Jones in Orange, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he coaches a team at St. Norberts School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large national network of financial advisors and branch offices.

Jun Min Koh is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2009, including J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Steven Reed is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. He holds the Series 63 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2009, with prior experience at Wamu Investments and LPL Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process integrates centralized due diligence with quantitative and qualitative research to develop model asset allocations, and the program includes broader derivatives and commodities capabilities.

Jenny Choe is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at Vartan Grigoryan, Waddell & Reed, and Foresters Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced operational and research tools.

Sandra Kassis is a Planning Consultant at Fidelity Investments. In her current role, she partners with advisors and their clients to provide personalized financial planning support, aiming to assist clients in navigating important financial decisions with clarity and confidence. She focuses on supporting clients as they work toward their long-term financial objectives through thoughtful planning and ongoing guidance. Sandra has been with Fidelity Investments since 2020, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Her experience encompasses various aspects of financial advising and client relationship management. She holds a California Insurance License, which supports her work in the financial services field.