Hayim Clein is a financial advisor with OSAIC Wealth, Inc. in Tustin, California, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at OSAIC Wealth since 2017 and has additional experience with Liberty Capital Management, Incorporated dating back to 2014. Outside of his advisory roles, he operates a sole proprietorship focused on marketing and sales of fixed, life, health, and disability insurance, and he serves as a financial strategist addressing client inquiries and assisting with financial planning tools. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, providing integrated brokerage and advisory services, retirement consulting, and access to third-party money managers. The firm employs proprietary asset allocation tools and supports both discretionary and non-discretionary account management across various investment products.

Carol Knowlton Chirko is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and Cooper McManus, among other firms. She is also involved with Knowlton Financial Position, focusing on insurance and variable annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and multiple platforms. The firm offers comprehensive brokerage, advisory, and financial planning services, utilizing asset-allocation tools and third-party solutions to construct and manage portfolios.

Samantha Briers is a financial advisor at Ameriprise in Tustin, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2022, she worked at Kingston University of London and Huntington Beach High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Ruben Valdez is a financial advisor with Wells Fargo Advisors and holds the Series 63 and Series 66 designations. He has 11 years of industry experience and has previously worked at JP Morgan and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.

Jamie Brown is a financial advisor at Raymond James Financial with one year of industry experience. He holds Series 63 and Series 66 licenses and has prior experience with New York Life Insurance Company and American Income Life. Outside of his advisory role, Brown has been involved with IHSS since 2020. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports its clients through advisory programs and partnerships in specialized areas such as municipal finance.

Michelle Chung Hui Lai is a CFP®-certified financial advisor with J.P. Morgan Securities, bringing 15 years of industry experience. She has been with J.P. Morgan Securities and its affiliated entities since 2014. 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 team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities.

Ronald Owen is a financial advisor with J.P. Morgan Securities in Chino, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Merrill Edge and Northwestern Mutual, as well as service in the U.S. Navy. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a selective group of Wealth Advisors. The firm employs a quantitative asset-allocation process combined with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Lake Robinson is a financial advisor at Fidelity with Series 65 and Series 66 credentials and four years of industry experience. His prior work includes positions at Ameriprise and Equitable Advisors, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund and model portfolio strategies.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Nauman Lakhany is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2020, following prior roles at Wells Fargo Clearing and Wells Fargo Bank. 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. The firm delivers these services through Wealth Advisors who make non-discretionary recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Richard Felling Jr. is a financial advisor with Equitable Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he operates a tax and accounting services business as a CPA and serves as co-trustee and successor trustee for family trusts. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage channels to implement client recommendations.

Frank Ortiz is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. 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 management. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Bruce Lien is a Series 66-licensed financial advisor with Thrivent Investment Management, based in Brea, CA. He has three years of industry experience and has worked previously at American Fidelity and Randstad Holding. Outside of financial advising, he operates a laundry and dry cleaning business as a sole proprietor. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated planning and managed-account option called WealthPlan, while maintaining separate services.

Lupita Duenas is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, Wells Fargo Clearing Services LLC, Wells Fargo Bank NA, and J.P. Morgan Chase. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative investment process.

Sapphira Chow is a financial advisor at Cetera with 12 years of industry experience. Her background includes positions at JP Morgan Securities LLC and East West Bank. Outside of finance, she is a licensed real estate agent and part-owner of a dog daycare and boarding business, Family Paws Resort LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services and operates a multi-manager platform that includes model portfolios and third-party manager options.

Chunyi Lei is a financial advisor at J.P. Morgan Securities with 15 years of industry experience and holds the ChFC® and Series 66 designations. Prior to joining J.P. Morgan in 2016, Lei established AJ4properties, LLC, where they continue to be involved. 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.

Shane Gold is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at J.P. Morgan entities since 2016, including JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

John Hawkins is a financial advisor at LPL Financial with 53 years of industry experience. He has worked at Crown Capital Securities since 2002 and joined LPL Financial in 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by LPL Research, third-party subadvisors, and various portfolio management options.

Johnny Hong is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds a Series 66 license and has previously worked at Prudential Insurance Company of America, Pruco Securities, JP Morgan Securities, and Axa Advisors. In addition to his advisory role, Hong is involved in providing health insurance and mortgage services through related business activities. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through an integrated platform.