John Ong is a financial advisor with Primerica Advisors in Carson, CA, holding Series 63 and Series 65 designations and over 22 years of industry experience. He has been with Primerica Advisors since 2002 and has worked with Primerica Financial Services since 2000. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on non-institutional client portfolios.

Fernando Cruz is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has held positions at firms including LPL Financial, Bank of America, and Merrill. Cruz is based in La Mirada, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Christopher Felton is a Series 66 licensed financial advisor with Morgan Stanley in Pasadena, CA, holding 14 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Outside of his advisory role, he owns a single-unit rental property. Morgan Stanley Wealth Management is a large 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 supported by firm-approved tools and methodologies.

Yao Li is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Merrill, Li worked at Bank of America, Cetera, Cathay Bank, and Subrigo Networks. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jeff Gonzales is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds a Series 66 designation and has worked at various affiliates of Edelman Financial Engines since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary advice.

Shad Ortiz is a financial advisor with Wells Fargo Clearing in Burbank, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. Their advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Juan Ortiz is a financial advisor with Charles Schwab in Brea, CA, holding a Series 66 license and six years of industry experience. His prior roles include positions at GWN Securities, Equitable Advisors, and AXA Advisors. There are no notable outside activities reported. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios, written advice policies, and a formal alternative-investment process.

Sally Eskander is a financial advisor at Merrill with 7 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2006. Outside of her advisory role, she is involved in a car detailing business in Rancho Cucamonga, California. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Allen Tsay is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 13 years of industry experience. His prior roles include positions at various insurance carriers and Waddell & Reed, Inc. since 2013. He serves on the board of the Arcadia Masonic Lodge #278, where he participates in budget approval and charitable allocation, though he recuses himself from investment decisions. 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 recommendations.

Alan Whitman is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 63 designation and over 54 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Whitman serves as a board member of the Midgley Family Foundation in Pasadena. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagement and corporate financial planning agreements.

Charlie Kim is a Series 66-registered financial advisor at J.P. Morgan Securities with 16 years of industry experience. He has been with J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

John Potter is a financial advisor at Morgan Stanley in Pasadena, CA, with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2013. Outside of his advisory role, he is a founder and board member of LDS Art Collection in Liberty, Inc., a nonprofit focused on art, culture, and religious activities. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment research to support its advisory process.

Justin Shum is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America prior to joining J.P. Morgan Securities in 2017. Based in San Marino, CA, he serves institutional clients through his firm. J.P. Morgan Securities LLC provides institutional consulting services including asset allocation advice, investment manager searches, and customized performance reporting to corporations, foundations, and defined contribution plan sponsors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Shannon Sapp is a financial advisor at Charles Schwab with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 1995 and 2005, respectively. Charles Schwab & Co., Inc. serves a large client base, primarily 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, delivering investment guidance using multi-asset model portfolios and due diligence on alternative investments.

Moses Lee is a financial advisor at Fidelity with two years of industry experience. He holds Series 65 and Series 63 designations and previously worked at NYLife Securities LLC and New York Life Insurance. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios, and it holds distinctive roles such as a commodity pool operator registration and advisory functions for multiple registered investment companies.

Robert Chung is a financial advisor with Morgan Stanley, holding Series 66 and Series 63 licenses and bringing 19 years of industry experience. Prior to joining Morgan Stanley, he spent a decade at TNT Capital Management LLC and has been involved with ARC Capital Management, LLC since 2011. Outside of his advisory role, he manages family investment and real estate holding companies. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market models.

Carolyn Wyatt is a financial advisor with LPL Financial, holding a Series 66 license and bringing 26 years of industry experience. Her career includes roles at Western International Securities, M Stevens Wealth Advisors, and Crowell, Weedon & Co. She is involved with Arrowhead Wealth Advisors, an entity related to her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and other institutions, offering a range of financial planning and asset management services through a large network of investment adviser representatives.

Westley Bovee is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works with clients and their families to construct and implement complex strategies aimed at supporting long-term investment planning. Prior to his current position, Westley held several roles within Fidelity Investments, including Investment Consultant (2024-2025), Planning Consultant (2022-2024), Relationship Manager (2021-2022), and Financial Representative (2021). Throughout his career at Fidelity Investments, Westley has gained experience in investment consultation, financial planning, client relationship management, and financial representation. He holds a California Insurance License, supporting his capacity to advise clients on insurance-related matters. No additional information regarding education, credentials beyond his insurance license, personal interests, or community involvement was provided.

Erinn Strohm is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. In addition to her advisory role, she is involved in nonprofit activities related to In-Home Support Services, providing care for a special needs individual. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutional investors.

Brian Kim is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and its affiliated entities since 2018, following an 18-year tenure at Scottrade, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments, supported by a centralized operational structure.