Steven Sanchez is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 35 years of experience in the financial industry, focusing on a comprehensive approach to wealth management that begins with understanding each client's individual needs and goals. Steven works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term objectives. He provides access to investment insights from Merrill and banking solutions from Bank of America to address various aspects of clients' financial lives. Steven earned a Bachelor's Degree from the University of Southern California and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses areas such as college education planning, family wealth management, retirement income, portfolio management, tax minimization, and services for endowments, foundations, and non-profits. In keeping with Merrill's tradition of community involvement, Steven dedicates time to volunteering with local organizations. Outside of work, his personal interests include football, golfing, ice hockey, surfing, swimming, and volleyball.

Stephen Murdock is a CFP® with 52 years of industry experience. He is currently with Cetera and has previously worked at Quantum Econometrics, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates as a multi-manager platform with various program options.

Hannah Pozzebon is a Planning Consultant at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments since 2021 in various roles, including Relationship Manager, Financial Representative, and Customer Relationship Advocate. Hannah's approach focuses on understanding clients' short- and long-term financial goals and working in partnership with individuals and their families to support their financial planning needs. She aims to build strong and lasting relationships grounded in trust. She holds a California Insurance License. Outside of work, Hannah has interests in cooking and baking, movies, music, pets, soccer, and volunteering.

Gavin Lee is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He has worked at Raymond James since 2019 and previously spent 15 years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved with Arroyo Capital Partners as an owner and dedicates significant time to this support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling, and supports specialized areas such as municipal finance and SIMPLE IRA advisory services.

Aamir Lalani is a financial advisor with Wells Fargo Clearing in San Dimas, CA, holding Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Wells Fargo Bank, loanDepot, Smartbiz Loans, and Walter's Audi Ontario. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Peter Wang is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked with Waddell & Reed Inc and various insurance carriers associated with W&R Insurance Agencies. Outside of his advisory role, he has been involved in insurance sales and has engaged as a limited partner in a rental property business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by model portfolios and research from multiple sources.

Lauren Wong is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in assisting individuals and families with college education planning, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. Her professional approach is centered on understanding each client's unique story, priorities, and aspirations to provide tailored financial guidance. Before entering the financial services field, Lauren built her career in nonprofit fundraising and the museum sector, focusing on cultivating relationships and supporting meaningful causes. This experience informs her client approach, emphasizing listening, building trust, and guiding clients according to their needs. Lauren holds a Bachelor's Degree from the University of California System and a Master's Degree from George Washington University. She has earned designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her advisory role, she volunteers with the Richard Nixon Presidential Library, managing the internship program and mentoring students and young professionals.

William Barney is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. He serves as a member of the New York Stock Exchange Panels of Hearing Board and volunteers on the NYSE's Acceptability Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and analysis from its Global Investment Committee.

Choong Kim is a financial professional with four years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Western Southern Life and New York Life. In addition to his role at Cetera, he is involved with Strategic Fortune Wealth Management, where he works with individuals, families, and businesses on financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Mingming Zhang is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Bank of America, N.A., including roles at Merrill. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in recommending strategies.

Lily Kam is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo firms since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets.

Willow Lau is a Series 66-licensed financial advisor with Morgan Stanley in Pasadena, CA, with three years of industry experience. Prior to joining Morgan Stanley’s Wealth Management division in 2022, she worked for Morgan Stanley Bank Asia Limited from 2015 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with 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 utilizing firm-approved tools and quantitative models to assist clients in developing financial plans.

Austin Heberger Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He worked at Wells Fargo Advisors LLC from 2003 to 2019 before joining Raymond James in 2019. He is also a partner at Arroyo Capital Partners, a financial advisory business based in Pasadena, CA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using advanced risk and outcome modeling, and supports its clients through a broad network with specialized services including municipal advisory and SIMPLE IRA employer consulting programs.

Kimberly Rico is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 credential. She has worked at Merrill since 2009 and has also been associated with Bank of America since 1993. Outside of her advisory role, she serves as a co-trustee of The B Family Trust. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Shawna Gwin is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2000. Outside of her advisory work, she is the managing member of Midnight Performance LLC, a business involved in marine and automotive parts and boat service and repair. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Ching Yu Lam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JP Morgan Chase Bank in 2021, Lam worked at Bank of America, Merrill, Wells Fargo Bank, and also served at Los Angeles City College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Kevin Etter is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has worked previously at SagePoint Financial, LPL Financial, and CML Wealth Management. In addition to his advisory role, he serves as a financial consultant at Veater Financial Group. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a broad range of asset classes, offering both discretionary and non-discretionary account management.

Tiffney Chang is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Bank of the West and Bancwest Investment Services, Inc. since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with access to model portfolios, research, and various investment strategies.

Ryan Newman is a Financial Consultant at Fidelity Investments, where he currently focuses on assisting families with comprehensive retirement plans and personalized investment strategies. He has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Ryan's professional background includes experience in financial consulting and planning, as well as banking, having worked as a Personal Banker at Wells Fargo from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan enjoys baseball, fishing, football, hiking, music, and spending time with his pets.

Christopher Zambrano is a CFP® professional at LPL Financial with 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. Outside of his advisory role, he has royalty income from Guayacali Music. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.