Douglas Hartman is a financial advisor with Primerica Advisors in Coto De Caza, CA, holding Series 63 and Series 65 designations and over 43 years of industry experience. He has been with Primerica Financial Services and its affiliated advisory firm since 1980 and 1981, respectively. Hartman is also the owner of Ten Talent, Inc., a nonprofit organization supporting various ministries. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Francis Ponzio is a financial advisor at Fidelity with three years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Fidelity in 2023, he worked at Thrivent Investment Management and Farmers & Merchants Bank of Long Beach. Fidelity’s Strategic Advisers division provides investment management and advisory services to retail and institutional clients, leveraging a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Joseph Peralta is a CFP® professional with 36 years of experience in financial advising. He is currently with Cetera, where he has worked since 2020, and previously spent 14 years at First Allied Securities, Inc. Outside of his advisory work, he serves as co-trustee of a family trust and is commissioned as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, accommodating various investment programs and supervisory structures.

Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amber Emmerson is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and Diversified Securities, Inc. 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, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Stephen Andrusky is a CFP® professional affiliated with LPL Financial, based in Anaheim, CA, with 25 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade, Scottrade, and U.S. Bancorp Advisors. He also serves as a Member Experience Advisor at Partners Federal Credit Union. 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 investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Fu Lin is a financial advisor at Cetera with 22 years of industry experience and holds the Series 66 designation. Fu Lin has worked at Cetera and Cathay Bank since 2017 and previously held roles at OneAmerica Securities and American United Life. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large nationwide network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

Worawit Tongprajiad is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., various insurance carriers, and Brio La Habra Community Association. 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, third-party asset management, and institutional platforms.

Matt Tran is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He began his career at Fidelity as an Investment Consultant in 2021 before transitioning to his current position. Prior to joining Fidelity, Matt worked as a Premier Banker at Wells Fargo Bank from 2014 to 2021. Matt's approach centers on thoroughly understanding his clients and their financial goals. He aims to ensure that all important aspects of his clients' financial situations fit together, providing them with a clear financial picture and peace of mind as they work toward achieving their objectives. He holds a California Insurance License. Outside of his professional work, Matt enjoys family activities, football, golf, movies, and traveling.

Christopher Kislig is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2016. In this role, he partners with individuals and families to develop financial plans and investment strategies aimed at helping clients work toward their current and future goals. Christopher has been with Fidelity Investments since 2013, starting as a Relationship Manager, then serving as an Investment Consultant before advancing to his current position. He holds a California Insurance License, which supports his ability to provide comprehensive financial advice.

Vi Le is a financial advisor with J.P. Morgan Securities in La Habra, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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.

David Penn is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and 28 years of industry experience. His previous roles include positions at Hilltop Securities Inc. and M.L. Stern & Co., LLC. He serves as a finance and investment committee member for a city investment advisory group and is president of David S Penn, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and is notable for its municipal advisory affiliation and specialized retirement plan consulting programs.

Nhan Nguyen is an Investment Solutions Representative III at Fidelity Investments, where he partners with clients to understand their financial goals and to develop customized financial plans. He emphasizes forming strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work. Nhan has professional experience as a Financial Advisor at Merrill Lynch from 2019 to 2020 before joining Fidelity Investments in 2021. He holds a California Insurance License.

Bryson Harnett is a Financial Advisor with The Harnett Group at Merrill Lynch Wealth Management, based in Orange County, California. He works alongside a family-oriented father-son team to provide personalized financial planning services focused on retirement planning, portfolio management, concentrated stock positions, and wealth transfer strategies. Bryson's role involves assisting individuals and families in managing their financial goals and objectives, enabling clients to feel confident in their investment decisions. Bryson earned a Bachelor of Arts degree in Economics from California State University San Marcos in 2020. He attained the CERTIFIED FINANCIAL PLANNER® (CFP®) designation in the summer of 2024 and also holds the Personal Investment Advisor (PIA) designation. He is affiliated with the Sigma Chi International Fraternity. In his personal time, Bryson enjoys baseball, chess, cooking, football, golfing, reading, running, and spending time with his family.

Gary Potter is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2009 and at Bank of America, N.A. since 2011. He also serves as a trustee for a fiduciary entity in Whittier, California. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Gustafson Jr. is a CFP® and Series 66 certificant with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers various discretionary and non-discretionary investment strategies under a fiduciary standard.

Henry Lau is a ChFC® credentialed financial advisor with 12 years of industry experience, currently affiliated with J.P. Morgan Securities in City of Industry, CA. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC 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 to guide its recommendations.

Michael Youssef is a financial advisor with Fidelity Investments, holding a Series 66 designation and 16 years of industry experience. He has worked at Fidelity in various capacities since 2010, including seven years with Fidelity Personal and Workplace Advisors. Outside of his advisory role, Youssef serves as a board member for the Hidden Canyon Community Association. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including those involving multi-manager and fund-of-funds structures.

Anailsa Perez Pham is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank and Wells Fargo Clearing Services. Outside of her advisory role, she has experience as a self-employed notary public. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

William Ashworth is a financial advisor with OSAIC in Placentia, California, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior work includes roles at Securities America Advisors, Inc., Securities Service Network, Inc., and Wells Fargo Clearing. Outside of advising, he owns and operates Ashworth Pool Care, a service and repair business for swimming pools and spas, and is involved in a direct sales business focused on essential oils with his wife. OSAIC serves a diverse client base including individual and institutional investors, providing integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes asset-allocation tools and multiple platforms to offer discretionary and non-discretionary portfolio management, incorporating a broad range of investment products and third-party solutions.