Elizabeth Cervantes is a CFP® with 18 years of experience in the financial services industry. She currently works at Morgan Stanley, having previously been employed at Wells Fargo Advisors and Wells Fargo Clearing. Her background includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Dena Izumigawa is a CFP® professional with 20 years of industry experience, currently affiliated with LPL Financial since 2012. She previously worked at Ameriprise from 2006 to 2012. 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 range of financial planning and asset management services, employing both proprietary and third-party strategies across various investment approaches.

Julia Pearl is a financial advisor at Ameriprise in Los Angeles, CA, with one year of industry experience. She holds the Series 66 designation. Prior to her current role, she worked at Ameriprise from 2019 to 2025 and spent seven years at Bob Smith Toyota. Outside of her advisory role, she is involved with BRAHHVO LLC, an investment-related LLC formed by her Ameriprise franchise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, utilizing proprietary research and third-party data to provide ongoing, non-discretionary recommendations.

Aidan Curtin is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at LPL Enterprise and Prudential before joining Merrill. Outside of finance, Curtin has ongoing involvement with Legends Hospitality. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hsien Lu is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor, Axa Advisors, where he worked for 21 years. Outside of his advisory role, he is involved in an outside fixed business and owns investment real estate. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset-management programs. The firm emphasizes matching clients to appropriate investment models and discretionary managers, utilizing third-party asset managers and a range of investment products.

Jaron Tsukamoto is a financial advisor at Thrivent Investment Management with a Series 66 designation and three years of industry experience. His work history includes roles at Thrivent Financial, Bishop & Co., and Island Insurance Companies LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning covering topics such as retirement, tax, and estate planning, with the option to combine planning with managed-account services under a consolidated billing system.

Cong Wang is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including Cetera, HSBC, Avantax Advisory Services, Bohai Securities, and Everbright Securities. In addition to his advisory role, he is active as an insurance agent selling fixed insurance products and serves as a wealth management associate at TYWL Wealth Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines internal research and third-party analytics to support investment decisions and offers a broad range of brokerage and advisory solutions across a large national platform.

Sanae Garcia is a financial advisor at Raymond James & Associates with 36 years of industry experience. Prior to joining Raymond James in 2025, she worked at UBS Financial Services Inc. for 14 years. Outside of her advisory role, she owns Nose Wiggle Productions, Inc., a company through which she occasionally sells photography and video work. Raymond James & Associates is a large broker‑dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, charitable organizations, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles supported by affiliated research and sub-advisers.

Anastasia Zarov is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2005. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julio Mancilla is a financial advisor at Morgan Stanley in Los Angeles, CA, holding Series 66 and Series 63 licenses with three years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities LLC and JPMC Bank NA. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured financial planning process supported by firm-approved tools.

Andrea Atanay is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2012. Outside of her advisory role, she is a partner at Open Heart Studio LLC, an online retail business focused on art and culture. Morgan Stanley Wealth Management serves individual 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 structured planning tools and firm-approved processes to support its clients' financial goals.

Henry Wong is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank SSB since 2010. Charles Schwab & Co., Inc. serves 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 client advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Jose Flores Jr. is a Series 66 licensed financial advisor with Merrill in Pasadena, CA, with three years of industry experience. He has been with Merrill since 2022 and has been affiliated with Bank of America since 2002. Outside of advising, he owns a rental property in San Jacinto, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Thompson is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has previously worked at Northwestern Mutual and New York Life Insurance Company. Outside of his advisory role, he is the sole proprietor of an Amazon publishing business. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it is notable for its use of algorithmic methods and formal advisory roles to multiple registered investment companies.

Yijia Guan is a financial advisor at UBS Financial Services with 10 years of industry experience. Prior to joining UBS in 2023, Yijia worked at Wells Fargo Bank, N.A. and Wells Fargo Clearing from 2021 to 2023, and at HSBC Securities (USA) Inc and HSBC Bank USA, N.A. from 2015 to 2021. Yijia holds Series 63 and Series 66 designations. UBS Financial Services 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 provides access to proprietary research and a range of capital markets solutions.

Roger Stephens is a financial advisor with RBC Capital Markets in Los Angeles, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His prior firms include UBS Financial Services, where he worked for nine years, and City National Bank, where he currently maintains a role alongside his position at RBC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutional clients, offering various wrap fee advisory programs with tailored investment strategies implemented through a mix of in-house and third-party managers. The firm’s services include discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage solutions.

Gregory Vernon is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously operated his own advisory firm, G.K. Vernon, LLC, for one year. Wells Fargo Advisors is a large national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to inform its investment approach and offers a broad range of brokerage and advisory solutions.

Albert Smith III is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in advising corporate executives, financial professionals, founders, and professional athletes. He is part of the Private Executive Services team, where his practice focuses on managing complex financial lives through a coordinated, team-based approach. Albert collaborates closely with clients and their wider advisory teams—including CPAs, attorneys, and agents—to deliver comprehensive and customized financial planning and wealth management services. Albert earned his Bachelor of Arts degree in Philosophy from Trinity College and his Juris Doctorate from the Maurice A. Deane School of Law at Hofstra University. He holds FINRA series 7, 63, and 65 registrations, as well as insurance and annuities licenses. Albert also maintains the Personal Investment Advisor (PIA) designation. He has been recognized as a member of the Private Executive Services team in Forbes' Best-in-State Wealth Management Teams and Barron's Top 250 Private Wealth Management Teams. Beyond his professional role, Albert is involved with several community organizations, serving on the executive committees for The Hope Gala and The Rita Hayworth Gala for the Alzheimer's Association Young Leadership Committee. He resides in the South Bay area of Los Angeles with his family and enjoys activities including yoga, basketball, golf, music, reading, running, swimming, traveling, and spending time with family and friends.

Benjamin Lemon is a CFP®-certified financial advisor at LPL Financial with 22 years of industry experience. He has held various roles in financial planning associations and served on the board of Montecedro. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and sophisticated operational tools.

Ruzanna Sargsyan is a financial advisor with Wells Fargo Clearing in Glendale, CA, holding a Series 66 designation and four years of industry experience. Her work history includes roles at Wells Fargo Bank, Pacific Premier Bank, and Unibak Armenia. 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 from Wells Fargo Investment Institute and third-party sources.