Michael Kiang is a CFP® and Series 66-licensed financial advisor with over 13 years of industry experience. He is currently with J.P. Morgan Securities, where he has worked since 2017, and previously worked at Morgan Stanley. Outside of his advisory role, he is an owner and partner of NELA Living Properties LLC, a real estate investment entity. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm combines quantitative and qualitative research to build model portfolios and offers a program that integrates ESG considerations and advanced derivatives capabilities.

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.

Irana De Haven is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A. since 2018. Her prior experience includes roles at Northwestern Mutual Investment Services LLC, Bottega Louis, Northwestern Mutual Life Insurance Company, and Drago Centro. 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.

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.

Hui Kim is a CFP® professional with 26 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Citigroup Global Markets and Citicorp Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with 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 and third-party sources.

Cuong Le is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. His career includes multiple roles within JPMorgan Chase and J.P. Morgan Securities since 2009, along with prior experience at Mr. Cooper, Bank of America, Essex National Securities, UBS Financial Services, and Wamu Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

Khaled Younes is a financial advisor with Morgan Stanley in Long Beach, CA. He holds a Series 66 credential and has been in the industry since 2025. His prior work experience includes roles at the City of La Habra and Kay Jewelers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services ranging from retail and institutional offerings to private funds and principal trading activities.

Duvan Chiang is a financial advisor with Ameriprise who holds a Series 63 designation and has 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, using a combination of research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated broker-dealer and insurance companies.

Josiah Wilson is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Lakewood, CA. He has three years of industry experience, including roles at JPMorgan Chase Bank, Morgan Stanley, and Primerica. Prior to entering the financial sector, he worked at In-N-Out Burger and studied at California State University of Long Beach. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative analysis supported by a centralized due diligence team and may incorporate ESG considerations.

Lily Li is a financial advisor with Wells Fargo Clearing in Alhambra, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. Her career includes roles at Wells Fargo Investments, Citigroup Global Markets, and Citicorp Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Austin Kennedy is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo since 2016. Outside of his advisory role, he is the author of a fictional adventure book titled *The Wendals*. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Benjamin Angotti is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to his advisory role, he held positions at Chapman University and Coach, among other organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and scenario modeling.

Byron Holmes is a financial advisor at Ameriprise with 29 years of industry experience. He holds the Series 63 designation and has been with Ameriprise since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Richard Gilliland Jr. is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial since 2025. Prior to joining LPL, he spent 26 years at Western International Securities, Inc. He also maintains a role as a non-variable insurance agent. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and a large advisor network.

Setareh Kavosi is a financial advisor at Edward Jones in Los Angeles, CA, holding a Series 66 credential. She has one year of industry experience and a background as a psychologist and marriage and family therapist since 2018. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large national network of advisors and branch offices.

James Hanna is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 37 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities, Inc. Outside of advisory work, he is involved in property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily implements investment strategies through model portfolios developed by internal and third-party strategists and offers services such as financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Sandy Hernandez is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2017. Prior to that, she worked at Merrill from 2014 to 2017. Outside of her advisory role, she is employed as an operations associate in retail at Crate & Barrel in Seal Beach, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Holodak is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill for most of his career, including a brief period at BOFA Securities, Inc. There are no additional notable outside activities reported. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jessica Chen is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and three years of industry experience. Her prior work includes positions at East West Bank and several business ventures outside finance, including roles with The X Pot Rowland Heights LLC and K Music. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice and customized performance reporting supported by centralized due diligence and a manager solutions team.

Soonhee Cho is a financial advisor with LPL Financial in Whittier, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. Prior to joining LPL Financial, Cho worked at Grove Point Advisors, LLC and H. Beck, Inc., with a career that also includes self-employment. Outside of advisory services, Cho is involved in insurance sales as president of a related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm supports its network of advisors with a variety of financial planning and portfolio management options, combining a broad range of investment strategies with technology and operational tools.