Carolyn Cahill Asher is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. She has been with Raymond James since 2008. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services among other investment solutions.

John Hannah is a Financial Consultant at Fidelity Investments, where he assists individuals and families in developing customized financial plans. His focus areas include investments, retirement planning, income strategies, and tax-efficient investing, aiming to support clients in achieving their personal and financial goals. John's professional experience includes roles as a Planning Consultant, Relationship Manager, and Investment Solution Representative at Fidelity Investments from 2021 to the present. Prior to joining Fidelity, he worked as a Junior Analyst at Harvey & Company LLC and as a Financial Advisor at Edward Jones. He holds a California Insurance License. Outside of his professional work, John has interests in cars, football, pets, reading, and traveling.

John Obrien is a financial advisor at LPL Financial with 31 years of industry experience. He previously worked at Penates Group Inc. and Otto Capital Management for 15 years each, and at Raymond James Financial Services for 3 years. Outside of advising, he is involved with a real estate services business under the name Eclipse Realty. 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 advisory and brokerage services, including financial planning and third-party asset management, supported by a large network of investment adviser representatives and a variety of investment strategies.

Sean Bryant is a financial advisor with Ameriprise in Huntington Beach, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined nine years before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income, Social Security, and tax strategies. The firm combines research-driven modeling and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Kenneth Hickman is a financial advisor with Ameriprise in Long Beach, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Ameriprise and related entities since 2018, with prior roles at Wells Fargo Corp and US Bank. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Christian Masariego is a CFP® with 10 years of industry experience currently advising clients at Charles Schwab in Torrance, CA. His career includes roles at Charles Schwab Bank, TD Ameritrade, BancWest Investment Services, and Fidelity. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its wealth advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management with a focus on multi-asset model portfolios and centralized service delivery.

Jennifer Toney is a financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2013 and is currently associated with Morgan Stanley Private Bank, National Association. Toney holds a Series 66 designation. Outside of her advisory role, she is involved in managing an investment property in Mammoth Lakes, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery and firm-approved tools to model outcomes.

Christian Frost is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2010. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its use of algorithmic methods and AI in research, its role as a commodity pool operator, and its advisory services to multiple registered investment companies.

Cesar Chavez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and JP Morgan Chase Bank. Outside of finance, he works as a music booking manager, coordinating live performances for various events. 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 institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Adrian Gaytan is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved as an owner and partner in a business utilizing residential property for Airbnb rentals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and 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, distribution, and investment management capabilities.

Hoor Bhavnani is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Redondo Beach, CA, and has 17 years of industry experience. Bhavnani has worked at various Wells Fargo entities since 2007, including Wells Fargo Bank, N.A. and Wells Fargo Advisors LLC. Outside of advisory work, Bhavnani serves as assistant treasurer for Science of the Soul, a nonprofit organization in Irvine, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lisa Chapman is a financial advisor with UBS Financial Services in Seal Beach, CA, holding the Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at UBS since 1990. Outside of her advisory role, Chapman serves on the board and finance committee of the Memorial Medical Center Foundation and mentors at-risk youth through Operation Jump Start in Long Beach, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and tailored portfolio management.

Pan Kwe is a financial advisor at LPL Financial with 32 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His career includes roles at Wescom Financial Services, Wells Fargo Investments, U.S. Bancorp Investments, and Cetera. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gerry Andrade is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Insurance Services, where he spent over two decades. Outside of advisory work, he operates an accounting and bookkeeping business focused on tax preparation and accounting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management options, financial planning, and access to third-party money managers through a multi-manager platform with both discretionary and non-discretionary program structures.

Joshua Kondo is a Series 66-licensed financial advisor with Wells Fargo Advisors. He has worked at Wells Fargo Advisors since 2021 and previously had a 19-year career in education spanning several schools and universities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including niche areas like business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Becky Tapper is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured financial planning process.

Michael Hardin is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services. His investment advisory practice focuses on delivering personalized strategies that address the unique ambitions and priorities of his clients. Michael’s areas of expertise include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, Managing New Wealth, and Portfolio Management Services. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California System.

Shawn Gruver is a CFP® with 23 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Outside of his advisory role, he has a 50% ownership interest in a royalty stream from his father’s book. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Kevin Khu is a financial advisor with Charles Schwab in Torrance, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Citibank and Citigroup before joining Charles Schwab and Charles Schwab Bank in 2018. Outside of his advisory work, he occasionally broadcasts live gameplay on Twitch. Charles Schwab & Co., Inc. serves 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 advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Michael Goguen is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Edward Jones since 2004. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is Vice Chair of the Torrance Chamber of Commerce, overseeing membership renewals and subgroup meetings. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.