Aren Kortoshian is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC from 2015 to 2022. 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, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice.

Nicky Chen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining J.P. Morgan in 2019, Chen worked at East West Bank and CWL LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, with an emphasis on derivative and commodities capabilities.

Mark White is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory work, he owns a property in Los Angeles that is rented for film and television productions and serves on the Finance Committee of the Jonathan Club, a private dining social club. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by firm-approved tools and serves clients through both direct and corporate arrangements.

Nathan Towns is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding the CFP®, ChFC®, and Series 66 designations. He has 10 years of industry experience, including 12 years at Merrill before joining Wells Fargo Clearing in 2026. Outside of his advisory work, he owns a sole proprietorship through which he occasionally buys and sells basketball and football collectibles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics focused on diversification and modern portfolio theory.

Jocelyn Moran is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 66 and Series 63 designations and has previously worked at Merrill and JP Morgan Chase Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Adam Fallert is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 13 years of industry experience and has worked at several firms, including Bank of America, Merrill, Northwestern Mutual, Prudential, and Fisher Investments. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and provides access to both discretionary and non-discretionary management across multiple platforms, along with proprietary model strategies under the Founders Gate Capital brand.

Christian Cruz is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving families in the Los Angeles and Orange County areas. He works closely with clients including business owners, executives, and teachers, developing customized financial strategies that encompass investment and retirement planning, liability management, debt consolidation, and legacy planning. Christian collaborates with clients' CPAs and attorneys to align tax-minimization and estate planning strategies, and leverages resources such as Bank of America N.A. for residential and securities-based lending. He utilizes guidance from the firm's Chief Investment Office and award-winning research to diversify portfolios with equities, bonds, cash, and alternative investments while considering tax consequences. Christian adapts his communication approach to client preferences and meets with clients in various settings including homes, businesses, or his office. Christian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Accredited Wealth Management Advisor™ (AWMA™) designation, and the Chartered Retirement Planning Counselor™ (CRPC™) designation. He earned a Bachelor of Business Administration degree from California State University, Los Angeles. His career began at Washington Mutual in 2006 before joining Merrill Lynch in 2012. Raised in a lower-income family in Southern California, Christian's interest in wealth management was influenced by a mentor during his high school soccer years. Outside of work, he holds a Black Belt in Brazilian Jiu Jitsu and enjoys spending time with his wife Evelyn, their children Olivia and Enzo, and their dog Loki.

Logan Fritze is a Planning Consultant at Fidelity Investments. In this role, he collaborates with clients to develop holistic financial plans and investment strategies. Prior to his current position, Logan held several roles at Fidelity Investments, including Relationship Manager from 2024 to 2026, Financial Representative from 2023 to 2024, and High Net Worth Associate from 2021 to 2023. He holds a California Insurance License.

Kevin McCarthy is a financial advisor at Raymond James & Associates with 42 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James since 2012. Outside of his advisory work, he engages in a TV consulting hobby related to soccer and hockey advertising. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting, utilizing a variety of portfolio management styles and affiliated research.

Catalina Delgado Ascencio is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services 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 developed by internal and third-party managers.

Michael Stern is a financial advisor at Cetera with 12 years of industry experience. He holds the CFP® and PFS™ designations, along with Series 66 and Series 63 licenses. His previous roles include positions at Prudential and MassMutual firms. Additionally, he is active as an insurance agent, selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, along with various program options and custodial relationships.

Emily Chon is a Financial Advisor at Merrill Lynch Wealth Management, specializing in the financial needs of affluent clients and their families. She has more than 17 years of experience in the financial industry, including nearly a decade as a wealth manager at Citibank. Emily has worked with hundreds of families both internationally and globally, assisting them in achieving their financial goals through personalized strategies. Born in a small town in China, Emily immigrated to the United States over 20 years ago. She earned a Bachelor's Degree from the California State University System while working various jobs, including her first role at a local bank where she developed her passion for financial services. Throughout her career, Emily has tailored financial products to meet the unique needs of individuals and families across various areas, such as retirement planning, funding education, home purchasing, business transactions, and estate and trust planning. Emily holds the Personal Investment Advisor (PIA) designation and is fluent in Mandarin, Chinese, Yue (Cantonese), and English. Outside of work, she enjoys cooking, golfing, hiking, painting, spending time with her family, and traveling.

Adalina Gonzalez is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked at Misunderstood Genius for six years and held positions at Forever21 Inc and Onestop Internet. Outside of her advisory role, she occasionally provides dog sitting services for friends and family. Morgan Stanley Wealth Management serves both individual and institutional clients, offering financial planning and advisory programs supported by firm-approved tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Ana Avila is a financial advisor with Ameriprise in San Dimas, CA, holding a Series 66 designation and four years of industry experience. She has been with Ameriprise since 1994. Ameriprise offers retirement-income planning services aimed at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions.

Huiying Jiang is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Her work history includes roles at East West Bank, Cathay Bank, and Cetera Investment Services LLC. Outside of advising, she also works as a DoorDash driver. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 access to both affiliated and third-party managers.

Xiao Chun Yu is a financial advisor with UBS Financial Services in Pasadena, CA, holding a Series 66 designation and bringing 25 years of industry experience. She has been with UBS Financial Services since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to client goals and risk tolerances.

Derek Johnson is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank NA. Outside of his advisory work, he serves as Treasurer for the Interfaith Food Center, a nonprofit focused on food distribution for homeless and less fortunate families. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Kyle Rayder is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA, holding a Series 66 designation and six years of industry experience. His prior work includes positions at Equitable Advisors, AXA Advisors, and running the Rayder Law Firm. He also serves as a relationship manager in life and health insurance sales through Lenox Advisors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including educational seminars and event-driven planning services such as estate settlement and divorce planning.

Andrew Yoon is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 credential and 13 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Fidelity Brokerage Services, JP Morgan Chase Bank, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Wei Chen is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014, including over 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he owns and manages rental properties in Encinitas, California. Morgan Stanley Wealth Management provides a wide range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools without offering individual security recommendations in standalone plans.