Scott Gevertz is a financial advisor with LPL Financial in Los Alamitos, CA, holding a Series 66 designation and 16 years of industry experience. He has worked at LPL Financial and Southland Credit Union since 2020 and was previously with Wescom Financial Services from 2015 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, utilizing model portfolios, research from various sources, and advanced technologies.

Phillip Kiriboon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. He is based in West Covina, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, combining adviser programs with brokerage and insurance products through an integrated platform.

Erik Brickel is a financial advisor at LPL Financial with 15 years of industry experience. He previously worked at J.P. Morgan Securities for 11 years and has been with LPL Financial and SchoolsFirst FCU since 2023. He holds Series 63 and Series 66 licenses and is a commissioned notary in the State of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research and model portfolios.

Yvette Garcia is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been affiliated with Wells Fargo in various capacities since 2009. Outside of her advisory work, she co-owns several small businesses with her spouse, including handmade crafts and a record label, and serves as vice president of a homeowners association. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and delivers tailored recommendations using proprietary research and tools.

Yihan Zhang is a financial advisor with Ameriprise Financial Services, holding CFP®, Series 65, and Series 63 credentials. Zhang joined Ameriprise in 2026 and previously worked at Goldman Sachs & Co. LLC from 2020 to 2025. Outside of advisory roles, Zhang has experience with Vega Tax Services since 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Susan West is a CFP®-designated financial advisor with Morgan Stanley in Brea, California, bringing 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.

Jose Ramirez M is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America and Merrill since 2022 and previously held roles at Bank of America from 2016 to 2022, as well as at Macy's from 2015 to 2016. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Christopher Andres is a financial advisor with Merrill, holding Series 65 and Series 66 designations and three years of industry experience. He previously worked at T-Mobile USA for 13 years before entering the financial services field. Andres is based in West Covina, California. 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

John Splain is a financial advisor with Raymond James & Associates in Yorba Linda, CA, holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has been with Raymond James & Associates since 1993. Outside of his advisory role, he serves as a trustee for an investment-related entity and has a personal investment interest in a solar energy business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad range of investment strategies and affiliated research.

Patrick Jakowchik is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to develop agile wealth road maps that address life's uncertainties and changing market conditions. His approach includes investment strategies focusing on risk assessment, tax-efficient investing, and cash flow analysis, collaborating with various internal and external partners to support clients' comprehensive financial health. Patrick has extensive experience in the financial services industry, having held roles such as Investment Representative at Fidelity Investments from 2011 to 2012, Associate Portfolio Consultant and Senior Registered Representative at Charles Schwab between 2008 and 2011, Financial Advisor at INTERSECURITIES, INC. from 2004 to 2008, Registered Representative at SIGNATOR INVESTORS, INC. from 2000 to 2004, and Insurance Agent at Robert J. Insurance & Financial Services from 1998 to 2000. He holds a California Insurance License. Outside of his professional work, Patrick enjoys biking, cooking and baking, family activities, hiking, and spending time with pets.

Daniel Foley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He previously worked at BlackRock Investments, LLC for 12 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Nguyen is a financial advisor with Merrill in Garden Grove, CA, holding a Series 66 designation and one year of industry experience. His prior work includes six years at Bank of America and three years at Donga Bank. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jae Hyeong Koo is a financial advisor at J.P. Morgan Securities with 4 years of industry experience. He holds the Series 66 and Series 63 designations. His prior work includes positions at JPMorgan Chase Bank, N.A., and KMW USA Inc., as well as a role at Mr. BBQ. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Scott Jones Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 28 years of industry experience. He has been with LPL Financial since 2010. 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 of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Jianing Zhou is a financial advisor at Merrill with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Merrill, Jianing worked at Bank of America, Ernst & Young, and Sunstone Advisors. Jianing is also involved with Carofin.com, an entrepreneurial venture. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Frisco Escudero is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera Investment Advisers LLC since 2020 and its affiliated entities since 2008, as well as Orange Capital Management since 1997. Outside of advisory work, he provides coaching on financial planning software and teaches retirement planning through the Financial Educators Network. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.

Qingfeng Lin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining J.P. Morgan in 2023, Lin worked at Bank of America, Merrill, TD Ameritrade, and Scottrade. Outside of finance, Lin is a partner in an e-commerce business focused on online sock sales, providing management and strategic advice while the day-to-day operations are handled by a spouse. 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 applying an ESG eligibility framework in its investment recommendations.

Michelle Morales is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on serving a diverse range of clients, including owners of family businesses, physicians, attorneys, tribal governments, endowments, and private foundations. Michelle emphasizes frequent communication with clients and often works with both spouses and adult children to understand their best interests now and in the future. She strives to help clients leave meaningful legacies by focusing on their life's most rewarding moments. Michelle has earned her Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. She holds a Bachelor's degree from the University of California System. Michelle specializes in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and tax minimization. She also manages portfolios on a discretionary basis using a variety of investment strategies. Michelle grew up in Pasadena and resides in Yorba Linda with her children. She enjoys biking, golfing, spending time with her family, and traveling. She volunteers as a National Charity League Sustainer, participating in community service and leadership development activities.

Victor Jasso Franco is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, he worked at Godspeed Logistics LLC, California State University Long Beach, Citi Staff Solutions, and Norco College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools.