Joseph Garza is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in wealth management and retirement planning, holding the designations of Accredited Wealth Management Advisor (AWMA) and Chartered Retirement Planning Counselor (CRPC). Joseph earned his Bachelor's Degree from the California State University System.

Songhee Hong is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America. Outside of her advisory role, she was involved with the LA Korean Festival in 2025. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Justin Gilia is a financial advisor with Primerica Advisors in Huntington Beach, CA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2005 and Primerica Financial Services since 2004. Outside of his advisory role, he serves as CEO of The Gilia Team, a legal entity formed for Primerica business purposes, and is involved in sales of loan products and home-related services through Primerica affiliates. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains an operational model that includes a tiered wrap fee structure and delegated trading through BNY Mellon Advisors.

Jon Massey is a financial advisor with OSAIC Wealth, Inc., holding the ChFC® designation and Series 63 license, and has 29 years of industry experience. He has previously worked with Mariner Independent Advisor Network, LLC, LPL Financial, LLC, and WealthPLAN Partners. Massey is President of Providence Professional Insurance Services and Plan With Providence, LLC, which provides insurance and administrative support services. He also serves as a board member for Lamb's Fellowship Church. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated financial services through a large network of advisors, utilizing asset-allocation tools and multiple advisory platforms to manage a wide range of investment products.

Krishna Agnihotri is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Crown Capital Securities and Foresters Equity Services. Outside of advisory work, he is involved in insurance sales as an independent agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Etsuji Oizumi is a financial advisor at Cetera with 13 years of industry experience. His prior roles include positions at Avantax and MassMutual, and he operates Bentley Tax Company, where he provides tax preparation services. Oizumi also provides retirement planning and financial advice through Advantage Tax & Wealth. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Christine Shepherd is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and has worked previously at UCLA and Northwestern Mutual. Outside of her advisory role, she manages an advisory business through Timberline Lane LLC. Ameriprise Financial Services is a large diversified firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice.

Jason Galardy is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 66 designation and has worked at Cambridge Investment Research Advisors since 2019 following five years at FSC Securities Corporation. Outside of his advisory role, he is involved with Nettworth Financial Group in a marketing and trading capacity. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals utilizing various portfolio management and model-based solutions.

Jeannette Dobbyn is a CFP® professional with 38 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Phillip Bracey is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. He has been associated with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of advisory work, he owns and operates tax preparation services and serves as a church elder at Kindred Outreach Ministries Inc. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, institutional, and retirement plan clients. The firm offers a multi-manager platform with diverse portfolio management options and financial planning services.

Ara Malazian is a financial advisor with LPL Financial in Santa Ana, CA, holding the CFP® designation and Series 63 and 65 licenses, with 31 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining LPL Financial in 2017. In addition to his advisory role, Malazian serves as an instructor at the University of California Irvine and operates a technology consulting business through AGM Enterprises. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a wide range of advisory programs and services, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

Cassra Mashkouri is a financial advisor with LPL Financial in Santa Ana, CA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Wells Fargo. She also serves as a licensed branch employee for SchoolsFirst Credit Union and acts as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, supported by research and model portfolios.

Joshua Mason is a financial advisor at Osaic Wealth with four years of industry experience. He holds a Series 66 designation and has previously worked at Mariner Independent Advisor Network and LPL Financial. His background also includes roles outside of finance such as positions with California Baptist University and in athletics. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers a variety of financial services including brokerage, investment advisory, and retirement plan consulting, utilizing tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Brian Cobian is a financial advisor with LPL Financial in Whittier, CA, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. Prior to joining LPL Financial in 2026, he worked at OneAmerica Securities and American United Life from 2011 to 2026. He is also the owner of AAABC Tax Services, Inc., a tax service business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios, retirement plan consulting, and brokerage services.

Jacob Epstein is an Investment Management Consultant II at Fidelity Investments. He works with clients to develop personalized financial plans that focus on their most important goals. His approach simplifies the complexities of financial planning and investing into a tailored framework that adapts to clients' evolving lives. Jacob has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before advancing to his current role in 2023. Prior to joining Fidelity, he worked at Ameriprise Financial from 2018 to 2021, where he held positions as a Client Relationship Manager and Client Service Associate. He holds a California Insurance License. Outside of his professional work, Jacob has interests in comedy, fitness, golf, and pets.

Sisi Wu is a financial advisor with Cetera who holds a Series 66 designation and has nine years of industry experience. Her prior work includes roles at JP Morgan Chase Bank, HSBC Securities USA, Axa Advisors, and Bank of America. Outside of her advisory work, she is the sole owner of 810 Jarrow LLC, a rental property business. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing more than $256 billion in assets.

Christopher Nunez is a financial advisor with LPL Enterprise holding a Series 66 credential and seven years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Edward Jones. Outside of finance, he is employed by Amazon in a non-investment role. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory services, and access to model portfolios and third-party asset management. The firm offers an integrated platform combining advisory programs with brokerage and insurance products.

Habib Habibi is a financial advisor at LPL Financial with Series 65 and Series 63 licenses and three years of industry experience. He has worked at LPL Financial since 2022 and is also affiliated with SchoolsFirst Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Diana Chan is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 66 designation and has previously worked with Bancwest Investment Services, Inc. and Bank of the West. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Muhammad Khan is a financial advisor with Fidelity who holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment products, including model portfolios and fund advisory services.