Robert Paul is a CFP® professional with 37 years of experience in the financial services industry. He is currently affiliated with Cetera and its related entities, having joined in 2025. His career includes prior roles at Avantax and 1st Global Advisors. Outside of his advisory work, he owns a business providing income tax preparation and planning services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Ryan Newman is a Financial Consultant at Fidelity Investments, where he currently focuses on assisting families with comprehensive retirement plans and personalized investment strategies. He has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Ryan's professional background includes experience in financial consulting and planning, as well as banking, having worked as a Personal Banker at Wells Fargo from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan enjoys baseball, fishing, football, hiking, music, and spending time with his pets.

Paul Masoner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Edward D. Jones & Co., L.P. for 21 years. In addition to his role at Wells Fargo, he owns The Masoner Group LLC, an independent financial practice based in Long Beach, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions tailored to clients who meet certain net-worth thresholds.

Jacqueline Quiroz is a Series 66-licensed financial advisor at Morgan Stanley in Brea, CA, with 12 years of industry experience, all of which has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Secular Return Estimates and Monte Carlo simulations, as part of its financial planning process.

Rachel Owens is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and 38 years of industry experience. She has been with LPL Financial since 2007 and previously worked at Mass Mutual Investors Services from 2000 to 2007. Owens serves on a nonprofit senior advisory committee for the City of Irvine. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions, with a broad platform that includes financial planning, model portfolios, and institutional programs.

Mitsue Yang is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021, following prior roles at UnionBanc Investment Services and MUFG Union Bank. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maida Talens is a financial advisor with LPL Financial in Corona, CA, holding Series 63 and Series 65 licenses and seven years of industry experience. Her background includes roles at Transamerica Financial Advisors, World Financial Group, and Fresenius Kidney Care. Outside of advising, she works as a registered nurse and serves as a case manager and transplant coordinator. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by research and technology, serving a broad network of over 22,800 advisors nationwide.

George Trigueros is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and having two years of industry experience. Prior to joining Wells Fargo Advisors, he worked at SchoolsFirst Credit Union and the Center For Autism and Related Disorders. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that cover cash flow, retirement, education, risk, and wealth-transfer strategies. The firm uses proprietary research and simulation tools to develop tailored recommendations, with clients deciding how to implement them through various brokerage and advisory programs.

Rebecca Huffman is a financial advisor with Morgan Stanley in Long Beach, CA. She holds a Series 66 designation and has been with Morgan Stanley since 2025. Prior to joining the firm, her experience includes various roles outside the industry, such as working with Meraki Jiu Jitsu and CSULB Housing and Residential Life. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Angela Reilly is a financial advisor with Thrivent Investment Management in Lakewood, CA, holding a Series 66 designation and five years of industry experience. Her work history includes roles at Thrivent Financial and Hobby Lobby Stores, Inc. She has also been involved with Bible Study Fellowship. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, focusing on goal-based financial analyses and planning across various topics without including implementation of recommendations.

Nancy Michael is a financial advisor with LPL Financial based in Orange, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She previously worked at Crown Capital Securities, LP for 20 years and First American Management and First American Investments, where she continues to be involved. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with diverse investment strategies and operational tools.

Han Kyul Kim is a Series 66 licensed financial advisor with six years of industry experience. He is currently affiliated with LPL Enterprise and has previously worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, he has experience in the gaming and entertainment industries, including a role at EZ Gaming. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it also offers affiliated trust custody, insurance agency services, and lending programs.

Alexander Velto is a financial advisor at UBS Financial Services with 47 years of industry experience. He has been with UBS since 2013. Velto serves as CEO of the Sunny Brown Foundation, which provides scholarships, and is a board member and treasurer of the Keala O Wailea Homeowners Association in Maui, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including portfolio management, financial planning, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, offering proprietary research and a wide range of capital markets activities.

Peter Paik is a CFP® professional at Morgan Stanley with 13 years of industry experience. He previously worked at UBS Financial Services before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is involved as a partner in a technology firm, Moniak Holdings LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, combining tailored financial planning and investment strategies supported by firm-approved tools and research.

Cory Justus is a financial advisor with Edward Jones in Chino Hills, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2024, he spent 12 years at Azusa Pacific University. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a large network of financial advisors and branch offices.

Albert Cline is a financial advisor at OSAIC with 49 years of industry experience. He holds a Series 63 designation and has worked with firms including Woodbury Financial Services and AIG Financial Advisors. Outside of his advisory role, he is a grantor of a college scholarship trust in memory of his late father. OSAIC serves a diverse client base, including individual, high-net-worth, institutional, and charitable investors, offering a range of integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisors. The firm employs various asset allocation and portfolio construction tools and supports multiple advisory platforms and third-party solutions.

Alma Araceli Alvarez is a financial advisor with Primerica Advisors in Whittier, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. Her prior work includes positions at Mike's Pizza and California State University, Long Beach. She is also involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed accounts within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based, tiered wrap fees and ongoing oversight of its investment models.

James Zivich is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 63 designation and over 42 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1995. Outside of advising, he teaches investment education classes for the Fullerton Community Services program. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management primarily delivered by investment adviser representatives using a range of strategic and tactical investment options.

Jennifer Kim is a financial advisor with Merrill in Fullerton, CA, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2004, totaling 22 years at the firm. 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 and profit-sharing plans, corporations, and charitable organizations.

Matthew Adragna is a financial advisor with Edward Jones, holding a Series 66 designation and bringing 11 years of industry experience. His prior work includes three years at Wells Fargo Clearing and multiple periods at Edward Jones totaling nine years. He is based in Yorba Linda, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, managing over $1 trillion in assets through a large nationwide network of financial advisors and branch offices.