Audrey Schmedes is a Series 66 licensed financial advisor with Ameriprise in Los Angeles, CA, with nine years of industry experience. She previously worked at Bank of America, Merrill, and SCS, Inc. Schmedes serves on the board of The Village Enrichment Program, a community organization. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kristi Bae is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2009. 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 delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Janet Simon is a financial advisor at LPL Financial with 23 years of industry experience and holds the Series 66 designation. She has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research and a variety of portfolio management options.

Jeremy Blum is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 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 advisory options. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Timothy Hannigan is a financial advisor with Wells Fargo Advisors in Long Beach, CA, holding a Series 66 credential and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing prior to his current position. Outside of his advisory work, he volunteers as an assistant coach for youth basketball. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a wide range of financial planning services and investment options, utilizing proprietary research and tools to develop tailored recommendations for clients.

Robert Hintz Sr. is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning covering topics such as retirement, tax, estate, business continuation, divorce, and special needs, with an option to combine planning and managed-account services under a consolidated billing program called WealthPlan.

Davin Saluja is Vice President and Branch Leader at Fidelity Investments in Seal Beach, where he leads a team of wealth planning professionals dedicated to building long-term client relationships focused on individual needs and goals. He ensures clients have access to Fidelity's technology, insights, and specialists to support their wealth planning journey. Davin has been with Fidelity Investments since 2016. Prior to that, he held roles at Charles Schwab & Co, serving as Vice President - Financial Consultant from 2005 to 2016 and as Client Service Specialist from 2004 to 2005. He holds a California Insurance License. Outside of his professional role, Davin's interests include family activities, fitness, food, military service, motorcycles, and scuba diving.

Lorena Rubio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously spent seven years at U.S. Bancorp Investments, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthew Gorham is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 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 advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Philip Carpenter is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 1985 and holds the Series 63 designation. Outside his advisory role, he serves as an arbitrator for the National Futures Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and asset allocation models to tailor client plans.

Puneet Chawla is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Summit Brokerage Services, Girard Securities, and First Allied Securities. In addition to his advisory role, he works as a process developer in operations for Genpact. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers, serving over 800,000 clients nationwide.

Ryan Omoto is a financial advisor with Edward Jones in Huntington Beach, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, supported by a network of more than 23,700 advisors nationwide.

Zachariah Klippel is a financial advisor at Edward Jones with 23 years of industry experience. He holds a Series 66 designation and has previously worked at Citi Private Bank, Merrill Lynch, and Bank of America NA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 financial advisors.

Connie Horstkotte is a CFP® with 26 years of experience in the financial industry. She has worked at FSC Securities Corporation for 19 years before joining OSAIC in 2023. Horstkotte also operates a sole proprietorship providing financial advisory services focused on insurance product review and client consultation. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Gino Stumpo is a financial advisor at UBS Financial Services in El Segundo, CA, with 25 years of industry experience. He has been with UBS since 2000 and holds a Series 66 designation. Outside of his advisory role, he assists family members with the financial aspects related to a commercial furniture manufacturing business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and a wide range of capital markets solutions.

Osvaldo Sicairos is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior work includes roles at Wells Fargo Clearing and U.S. Bank, among others. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies, AI, and its formal advisory roles to multiple investment companies.

Joshua Mclawhorn is a financial advisor with Fidelity in Torrance, CA. He holds a Series 66 designation and joined Fidelity in 2025 following seven years at the University of North Carolina at Chapel Hill. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

John Koh is a CFP® with 24 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at BMO Bank N.A., LPL Financial, Bancwest Investment Services, and Bank of the West. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ken Lee is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, N.A., and Chi Hyung Lee. He has worked at Merrill since 2017. 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 strategies managed by internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ravy Ly is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to that, he was involved with Cherri's Donut Plus from 2011 to 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.