Kimberly Lu is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at BMO Bank NA, Wells Fargo Bank, Wells Fargo Clearing, and JP Morgan Chase Bank. Additionally, she is a commissioned notary in the State of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services through a nationwide network of investment adviser representatives.

Donald Crane is a financial advisor with Cetera who holds the CFP® and CFA® designations and has 17 years of industry experience. He also owns Crane Advisory LLC dba Crane & Associates Wealth Management, where he provides financial planning and asset management services. Outside of his advisory roles, Crane sells life and annuities as an insurance agent. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with model portfolios and customized strategies, supporting both discretionary and non-discretionary management across various program structures.

Christopher Ribe is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 65 and Series 66 licenses and bringing 15 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market models as part of its financial planning process.

Amy Tran is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2013. Outside of finance, she owns a business offering medium services, readings, and spiritual guidance. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice 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.

Anne Marie Hamilton is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 63 license and bringing 36 years of industry experience. She has worked with LPL Financial since 2008 and is currently associated with Orange County's Credit Union as well. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Donald Crane is a CFP® professional with over 40 years of experience in financial planning and asset management. He is currently affiliated with Cetera and operates Crane Advisory LLC dba Crane & Associates Wealth Management. Outside of advising, he is also an insurance agent specializing in life, health, disability, annuities, and long-term care products. Cetera is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including model portfolios, third-party managers, and custom strategies.

Sinahy Luna is a Financial Consultant at Fidelity Investments, a role she has held since 2021. She works closely with clients and families to help them achieve their financial goals, providing access to a trusted brand and a variety of investment and planning tools. Her professional experience includes positions as an Investment Consultant at Fidelity Investments from 2019 to 2021, AVP and Financial Solutions Advisor at Merrill Lynch from 2014 to 2019, and Financial Advisor at JP Morgan Securities from 2012 to 2014. She holds a California Insurance License.

Robert Duffy is a financial advisor with Equitable Advisors in Lake Forest, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2005. Outside of his advisory role, he serves as co-trustee for his family trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model, utilizing multiple third-party asset managers and offering both advisory and brokerage channels to implement client recommendations.

Mohammad Rihan is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012. His prior experience includes roles at MMZ Enterprises, LLC and Launch Point One, LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Gabriela Liang is a financial advisor with Ameriprise in Irvine, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at Morgan Stanley and Wells Fargo Advisors. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, delivering customized, algorithm-assisted recommendations reviewed by a specialized oversight team.

Nelson Escalante Jr. is a financial advisor at LPL Enterprise with Series 66 credentials and has been with the firm since 2025. His prior work experience includes roles at United Parcel Service and Autozone, as well as educational positions at Whittier College and La Mirada High School. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, combining advisory programs with brokerage and insurance products through an integrated platform.

Amber Jensen is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has held roles at J.P. Morgan Securities, JPMorgan Chase Bank, and AJMS Ventures, LLC. Outside of finance, she has experience working in the restaurant industry with Modo Mio Restaurant. 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 an ESG eligibility framework in its investment approach.

Phillip Cheng is a financial advisor with J.P. Morgan Securities in Eastvale, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan in various capacities since 2015. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Carol Otters is a Series 66-licensed financial advisor with Edward Jones in La Palma, CA, where she has worked since 2011. She has 14 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,000 advisors and 15,000 branch offices.

Monique Go is a financial advisor with LPL Enterprise holding a Series 66 designation and has one year of industry experience. Her prior work history includes roles at Simple Science and Kinross. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, offering financial planning, consulting, and access to model portfolio programs through both advisory and brokerage channels.

Allie Oglevee is a Financial Consultant at Fidelity Investments, a role she has held since 2022. She has been with Fidelity Investments since 2020, progressing through positions including Financial Representative and Investment Consultant. Prior to joining Fidelity, Allie gained experience through internships in private credit and wealth management at Tree Line Capital Partners and UBS Financial Services. Her professional focus involves collaborating with clients to develop comprehensive wealth plans. She aims to provide education, confidence, and support to help clients pursue their long-term financial goals. Allie holds a California Insurance License, supporting her work in financial consulting. Further details about Allie's education, credentials beyond her insurance license, and personal interests have not been provided.

David Ha is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having four years of industry experience. He has worked with several firms, including Northwestern Mutual Investment Services LLC and Matloff Garg LLC, before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2021. 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 its Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Lauren Memoly is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, she worked at LBA Realty LLC and had a role with the Grindavík Njaróvik Football Club. 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 an ESG eligibility framework in its recommendations.

Jeffrey Irwin is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior work includes roles at Allstate Insurance Company and Brenda Soto Bryan Insurance Agency. He is also associated with SchoolsFirst FCU. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, including both discretionary and non-discretionary management supported by model portfolios and research.

Frank Huang 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 previously worked at Citigroup Global Markets, Merrill, and Bank of America. Huang is based in Irvine, CA. 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 an ESG eligibility framework in its recommendations.