Nieke Ritonga is a financial advisor with LPL Financial, holding a Series 66 designation and eleven years of industry experience. Prior to joining LPL Financial in 2025, Ritonga worked for Western International Securities, Inc. for sixteen years and Coordinated Wealth Management, LLC for ten years. Outside of advisory work, Ritonga is involved in tax preparation and accounting services through a related business activity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Narek Tagmizyan is a financial advisor with Wells Fargo Clearing in South Pasadena, CA, holding a Series 66 designation and seven years of industry experience. He previously worked at Bank of America N.A. and Merrill before joining Wells Fargo Bank and Wells Fargo Clearing in 2021. Outside of his advisory role, he has a business selling collectibles. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Jacques Kalanjian is a financial advisor with Charles Schwab in Pasadena, CA, holding a Series 66 designation and 20 years of industry experience. He previously worked at TD Ameritrade for 13 years before joining Charles Schwab and Charles Schwab Bank, SSB in 2022. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Anson Li is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. Merrill, alongside 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lukas Thiemann is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His background includes roles at JPMorgan Chase Bank, N.A., and academic involvement at the University of Southern California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to support client decision-making.

Jeffrey Ma is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Wells Fargo in 2024, he worked at HSBC Securities (USA) Inc. and HSBC Bank USA in various capacities from 2016 to 2024. Outside of his advisory role, he owns and operates a cleaning business in Temple City, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Stephanie Nyce is a CFP® with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She previously worked with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Brandon Dunn is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Edward Jones and Merrill. 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 grounded in modern portfolio theory. The firm’s approach includes preparation and review of investment policy statements, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kathleen Dana Miglino is a financial advisor with Wells Fargo Clearing in Santa Monica, CA, holding Series 63 and Series 66 designations and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. She also has over two decades of experience with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services ranging from investment policy statement preparation to performance reporting and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options including discretionary plan-level investment selection and a broad array of financial products beyond typical institutional offerings.

Yingli Lu is a financial advisor with LPL Enterprise and holds the Series 66 designation. Lu has no prior industry experience and has been with LPL Enterprise since 2026. Their background includes studies at Boston University and the University of Southern California. LPL Enterprise, LLC serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutions through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products.

Sam Lopresti is a financial advisor at Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques as part of its advisory process.

Leticia Perkins is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked within Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning services supported by structured discovery conversations and advanced planning tools.

Pearl Huang is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with 10 years of industry experience. Her prior experience includes roles at Wells Fargo Bank and Wells Fargo Clearing Services from 2019 to 2024, JPMorgan Chase in 2018-2019, and Bank of America from 2006 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services through various planning tools and strategies.

David Ko is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach 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.

Cesar Macedo is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2014. He holds Series 63 and Series 65 licenses and operates out of Downey, CA. Outside of advisory work, he provides tax preparation services and notary services related to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad clientele including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Yibin Evan Xu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked with J.P. Morgan Securities since 2013 and has also been employed at JPMorgan Chase Bank, N.A. for the past 10 years. Outside of his advisory role, he works as an employee/contractor for In-Home Supportive Services, assisting a family member in home. 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 applying an ESG eligibility framework in its recommendations. The firm’s advisory services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Joseph Azpeitia is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Pasadena, California. He works primarily with successful first-generation wealth creators, including business owners and high-income families, providing structured, planning-focused financial guidance aimed at preserving and managing their wealth over the long term. His expertise includes portfolio strategy, retirement planning, tax-efficient investing, cash-flow planning, and coordinating with clients' CPAs and attorneys on estate and legacy planning. Joseph focuses on helping clients navigate key financial decisions, emphasizing a methodical and disciplined approach to wealth management that supports transitions from wealth-building to stewardship. Joseph holds a Personal Investment Advisor (PIA) designation. He completed his high school education at Upland High School and attended Mt San Antonio College without obtaining a degree. Outside of his professional work, Joseph enjoys cooking, traveling, and spending time with his family.

Brian Steen is a financial advisor at Edward Jones in Chino Hills, CA, with one year of industry experience. He previously worked at The Capital Group Companies for 21 years. Outside of his advisory role, he owns rental properties in Ferguson, MO, which are managed by a property management company. 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, supported by a large network of advisors and branch offices nationwide.

Shiyi Xia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Boston. She works closely with clients to develop personalized financial strategies tailored to their long-term goals. Her approach focuses on understanding each client's comprehensive financial picture and adapting strategies to changing market conditions, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise encompasses a range of areas including college education planning, family wealth management, legacy planning, retirement planning, philanthropic planning, portfolio management, and tax minimization. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Shiyi earned a Bachelor's degree from George Washington University and a Master's degree from the University of Massachusetts System. Fluent in English, Mandarin, and Yue (Cantonese), she also dedicates time to community volunteering. Outside of work, Shiyi enjoys boating, cooking, hiking, traveling, and practicing yoga.

Lawrence Hoey is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, he operates Hoey Consulting, a business entity established for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supporting both discretionary and non-discretionary management with resources like LPL Research and third-party subadvisors.