Harpal Sandhu is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and 32 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. Outside of his advisory role, he has been involved in property management through ownership and landlord activities. 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 its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Nicole Avila is a financial advisor at Edward Jones with a Series 66 designation and five years of industry experience. She previously worked at Steven Starkley and Equitable Advisors LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Daniel Chung is a financial advisor with LPL Financial in Brea, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Waddell & Reed and various insurance carriers, along with operating his own business entity, Daniel Chung, Inc. He has also spent time affiliated with Southlands Church in a professional capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers diverse financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and utilizes a variety of research and technology tools in portfolio management.

Kevin Simon is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 19 years of industry experience. His prior experience includes seven years at UBS Financial Services and current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a partner at Moniak Holding LLC, a technology-related business based in Fullerton, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to model outcomes, while primarily acting in an advisory capacity for financial plans.

Steven Kang is a financial advisor with Cetera, holding a Series 66 designation and over 26 years of industry experience. He has been affiliated with Cetera and its related entities since 1999 and also leads multiple CPA practices and a real estate management firm. Kang serves as a board member of the Korean American CPA Society of Southern California and participates on the advisory board for the Accounting Department at California State University Los Angeles. He is also involved with a nonprofit Christian missional organization as a board secretary. Cetera Investment Advisers LLC is an SEC-registered firm offering services through a nationwide network of independent advisors. It serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutions, providing portfolio management, financial planning, and access to various third-party investment managers.

Johnny Liu is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Sushiholics and has experience in education from roles at Asucla, the University of California, Los Angeles, and West Covina Unified School District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, primarily serving clients with significant investable assets.

Kimberly Sabol is a Series 66 licensed financial advisor with 13 years of industry experience, currently with Cetera. Her prior roles include positions at Avantax Investment Services and 1st Global Capital Corp. Outside of advisory work, she manages several real estate investment entities and operates a tax and accounting services firm. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Jon Hubbert is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Diversified Securities, Incorporated. He also operates Jon W. Hubbert, Inc., a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

Anna Diaz is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and modeling techniques.

Anne Spitzer is a financial advisor with UBS Financial Services in Monrovia, CA, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and investment advisory services that combine proprietary research and model-based asset allocations with institutional trading capabilities and wealth management solutions.

Victoria Renne is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Frank R. Carey, EA, from 1992 to 2021. In addition to her advisory role, she owns a tax preparation and accounting business focused on income tax returns. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal research and third-party resources.

Sukhman Kaur is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. Her prior work includes roles at Bank of America, City National Bank, BMO, Bank of the West, and Wells Fargo. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Debbie Chien Cabudol is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has worked with Merrill and its predecessor firms since 2008, including a tenure at Bank of America. 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. The firm offers model-based and discretionary investment strategies and serves a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Francis Ponzio is a financial advisor at Fidelity with three years of industry experience. He previously worked at Thrivent Investment Management Inc and Farmers & Merchants Bank of Long Beach. Ponzio holds the Series 63, Series 65, and Series 66 designations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and systematic portfolio construction. The firm is noted for its use of algorithmic methods and AI in research, its role in managing registered investment companies, and its development of model portfolios for intermediary platforms.

John Hernandez is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily 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 investment strategies.

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 with LPL Financial, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has worked at Diversified Securities, Inc., Grove Point Investments, LLC, and Grove Point Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Caley Kelly is a financial advisor at Thrivent Investment Management with three years of industry experience. Kelly holds Series 63 and Series 66 designations and has worked at Thrivent Financial and Thrivent Investment Management since 2022. Prior to entering the financial sector, Kelly was involved with Fellowship Church for five years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm combines planning with managed-account programs under a consolidated billing option while maintaining separate planning and portfolio management services.

Ryan Hsu is a financial advisor with Equitable Advisors in San Marino, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Equitable Advisors since 2011 and is also president and owner of The Riley Group, Inc., a real estate brokerage firm. Hsu serves as a board member and officer of Titan Athletic Boosters, Inc., a nonprofit organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.