Michael Nelson is a CFP®-designated financial advisor with 20 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and Cetera Financial Specialists since 2013 and is also associated with Petersen International Underwriters and Foresight Wealth, where he serves as owner. Nelson is licensed to sell disability insurance through multiple firms. Cetera Investment Advisers LLC is a large SEC-registered advisory firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing advisors with access to various model portfolios and third-party money managers.

Eric Chang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 27 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for 23 years before joining Equitable Advisors. Outside of his advisory role, he owns CJ Capital Insurance & Financial Services, Inc., which sells fixed life, health, disability, and medical insurance products. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of advisers, utilizing third-party asset managers and LPL-sponsored advisory solutions.

Bryan Kang 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 been with JPMorgan Chase Bank and its affiliates since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Gary Tsou is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Bank of America, Merrill, Nylife Securities LLC, and New York Life Insurance Company. He has also held positions at California State College Fullerton and Mountain San Antonio College. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sandy Gage is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings extensive experience in wealth management, specializing in helping high-net-worth individuals preserve their principal through tax-efficient strategies and facilitating effective wealth transfers. Sandy's practice emphasizes personalized financial planning tailored to clients' unique goals, including family wealth management, legacy planning, tax minimization, and retirement income strategies. Her career began in 1985 on the trading floor of Security Pacific Bank, where she focused on tax-free bond portfolios. Following a series of mergers, her firm became part of Bank of America and later Merrill Lynch Wealth Management. Sandy completed executive education at Wharton in 2003, enhancing her expertise in financial advisory services. She holds the Personal Investment Advisor (PIA) designation and has maintained a focus on client-centric strategies throughout her career. Outside of her professional endeavors, Sandy is actively involved in her community through St. Paul The Apostle Church and supports Dana Farber Cancer Research. An avid runner, she has completed marathons across all seven continents, the six World Marathon Majors, all 50 states, and several 100-mile ultra marathons. She balances her career with family life, sharing her passion for running and philanthropy with her husband and four adult children.

Chiahwei Ku serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been since 2022. She has been active in the financial services industry since 2005, focusing on areas such as college education planning, legacy planning, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Born in Taipei, Taiwan, and raised in Southern California, Ku is fluent in Mandarin and English. She holds a Bachelor's degree in Business Economics with a minor in Business Administration from the University of California, Riverside. Ku maintains several professional credentials, including the Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, she holds Series 7, 63, and 65 FINRA registrations and the California Life and Health Insurance license. Ku emphasizes building long-lasting relationships with clients and providing personalized financial strategies tailored to their long-term goals. Outside of her professional role, she enjoys traveling, cooking, spending time with her family, and watching movies.

Chun Gu is a financial advisor with Cetera in Pasadena, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Cetera, Chun worked at East West Bank and Bank of America, including a tenure at Merrill Lynch. Outside of financial advising, Chun operates an e-commerce business selling crafts and accessories on platforms such as Amazon, TikTok, and eBay. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large nationwide network of independent advisors. The firm operates a multi-manager platform with diverse program options and affiliations supporting product availability and client solutions.

Zhuang Tantiwasadakran is a financial advisor with LPL Financial in Walnut, CA, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 2007 and previously at 1717 Capital Management Company for five years. Outside of advisory work, he is involved in an independent fixed insurance business focusing on life, health, disability, fixed annuity, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, combining a large advisory network with a range of non-advisory financial services.

Ralph Pan is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Covina, CA, and has 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement plan consulting services to individuals, corporations, and institutions. The firm combines large-scale resources and research-driven investment strategies to serve a broad client base with both brokerage and advisory solutions.

Pierre Biscaichipy is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves on the advisory board and finance committee of the Devil Pups Foundation, a nonprofit focused on children and youth, where he is involved in fundraising, marketing, and administrative duties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and research.

Antonios Lee is a Series 66-licensed financial advisor with 38 years of industry experience. He has worked at Cetera since 2025 and previously was with Avantax Investment Services and Avantax Insurance Agency for a combined 33 years. Outside of his advisory role, he is involved in managing rental real estate through several partnerships. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with both affiliated and unaffiliated third-party managers.

Sean Kennally is a financial advisor at Morgan Stanley with Series 63 and Series 65 registrations and 46 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Kennally serves as a member of the USC Athletics Board of Counselors and is on the Trojan Board of Directors for the USC Athletic Department. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling in its advisory process.

Peggy Tong is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2023 and previously spent nine years with Bank of America and Merrill. Charles Schwab 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 offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operations.

Isabelle Chang is a financial advisor with Wells Fargo Clearing holding a Series 66 designation. She has one year of industry experience and has held a variety of roles outside the finance sector, including in food-related businesses such as Tifa Chocolate & Gelato. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets with over 14,000 financial advisors.

Ted Inagaki is a financial advisor at Osaic with 19 years of industry experience. He holds the Series 66 designation and previously worked at SagePoint Financial for 11 years. In addition to his advisory role, he is involved with LA Private Wealth, where he offers non-variable insurance products through a field marketing organization. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of advisers, providing integrated brokerage and investment advisory services, financial planning, and access to multiple managed account platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Brian Chan is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining OSAIC in 2024, he spent nine years at Woodbury Financial Services INC. In addition to his advisory role, Chan operates a tax preparation sole proprietorship. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services along with access to third-party money managers and managed-account solutions. The firm employs asset-allocation tools and risk-tolerance analysis to construct portfolios that may include various types of securities and alternative investments.

Mary Caporale is a financial advisor at Edward Jones with 42 years of industry experience. She has held her position at Edward Jones since 2003 and holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, separately managed accounts, and affiliated investment products under a fiduciary standard.

Michael Kiang is a CFP® professional with 13 years of industry experience, currently serving at J.P. Morgan Securities. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. He is also an owner and partner of NELA Living Properties LLC, a real estate investment venture. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Edward Cho is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He focuses on collaborating with clients to align their investment portfolios with their specific goals, regularly reviewing plans to address asset preservation, income generation, and tax-efficient investing. Edward's professional experience includes roles as an Investment Consultant at Fidelity Investments from 2017 to 2018, Financial Advisor at Morgan Stanley from 2015 to 2016, and Financial Advisor at American Express Financial Advisors from 2002 to 2003. He holds a California Insurance License.

Gabriel Ayala is a financial advisor with LPL Financial in Fullerton, CA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2005 and previously at Essex National Securities, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisers and various financial products.