Karen Burneff is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. She has worked at Cetera Wealth Services, LLC since 2013 and was previously with Quantum Econometrics from 2004 to 2023. Burneff serves as a non-public arbitrator in industry dispute hearings. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and retirement services, utilizing multiple program structures and a multi-manager platform to deliver customizable investment strategies.

David Nguyen is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior work includes positions at World Financial Group and First City Realty. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with diverse program structures and investment options.

Shaquawn Schasa is a financial advisor with Cetera, holding a Series 66 designation and over 20 years of industry experience. He has worked previously at firms including Pruco Securities LLC, The Prudential Insurance Company of America, and Securian Financial Services Inc. Schasa serves as board chair for the Los Angeles Community Development Foundation and volunteers with the Rich Heritage Foundation, which supports HBCU athletes through basketball conferences. Cetera Investment Advisers LLC is a large SEC-registered advisory platform serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Lulu Lo is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2019. Prior to that, she was employed at JPMorgan Chase Bank, N.A. and KinFine USA, Inc. 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.

Steven Reyna is a financial advisor with LPL Financial in Rancho Cucamonga, CA, holding a Series 63 designation and 29 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he sells whole life insurance and fixed annuities for pension plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Kevin Han is a financial advisor with OSAIC based in Anaheim, CA, holding a Series 66 credential and 18 years of industry experience. His prior roles include positions with Woodbury Financial Services, Questar Asset Management, and Wells Fargo. He is president of Cornerstone Financial Planning, a corporation he established for business planning and marketing related to his financial advisory practice. OSAIC serves a broad range of clients, including individual investors, institutions, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, efficient-frontier analysis, and access to third-party managers to construct diversified portfolios across multiple investment types.

Alejandro Gonzalez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at various J.P. Morgan entities since 2011, including JPMORGAN Chase Bank, N.A. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a combination of advisory and brokerage capabilities.

Daniel Ruddock is a financial advisor with Primerica Advisors in Santa Fe Springs, CA, holding Series 63 and Series 65 designations and two years of industry experience. His work history includes positions at NeoGenomics, PFS Investments Inc., Primerica Financial Services, and Alcon Vision. He is involved in sales of investment-related products and receives compensation for referring home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies managed by unaffiliated asset managers and supported by third-party custodians.

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.

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.

Vi Chan is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. She currently works at LPL Financial and previously spent seven years at Edward Jones. 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, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.

Brett Sanner is a financial advisor with Raymond James Financial in Upland, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been associated with Raymond James Financial and its affiliates since 2001 and operates Sanner Capital Management, LLC and Sanner Financial Services. Outside of his advisory work, he is involved in insurance planning as a broker and agent specializing in indexed annuities. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting supported by asset-allocation analysis, modeling tools, and firm research, with a distinctive emphasis on advisory services that leave final decision authority with the client.

Kristin Charlebois is a financial advisor with OSAIC based in La Verne, CA. She holds a Series 66 designation and has three years of industry experience. Prior to joining OSAIC, she has worked with Royal Alliance Associates, INC. since 2023 and has been involved with Pension Portfolios, Royal Alliance Associates since 2004. Charlebois also provides notary public services as a courtesy to clients. OSAIC 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 brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Ricardo Olvera Jr. is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

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.

Flavia Lo Coco is a financial advisor with LPL Financial in Pasadena, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. She previously worked at Western International Securities, Inc. and RJJ Pasadena Securities, Inc. Outside of her advisory role, she owns a business called Flavia Production Design. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolio strategies.

Thanh Nguyen is a Financial Consultant currently working at Fidelity Investments since 2021. Prior to this role, Thanh has accumulated experience as a Private Client Advisor at JP Morgan from 2019 to 2021, a Financial Planner at Prudential in 2019, and a Financial Advisor at Wilson Financial Advisors from 2016 to 2019. Thanh holds a California Insurance License. Thanh focuses on building long-term relationships with clients to understand their unique financial goals and needs. Thanh's approach includes providing a holistic view of wealth planning, encompassing financial planning, investment strategies, and tax-efficient investing, often aiming to support clients across multiple generations. Outside of professional commitments, Thanh enjoys badminton, gardening, hiking, and soccer.

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.

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.