Samuel Martinez is a financial advisor at OSAIC with one year of experience in the industry. He holds the Series 66 designation and has worked previously at RABco Financial, Pointwealth Capital Management, El Proyecto del Barrio, Verizon, and Ross Dress for Less. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm employs a range of asset-allocation tools and offers integrated brokerage, advisory services, and access to third-party money managers and wrap programs.

Haissam Alrachid is a financial advisor with Equitable Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he serves as CFO and Secretary for No Mind Left Behind, a nonprofit organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model that incorporates advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Raymond Siu is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and TD Ameritrade Inc. He is also a joint tenant on a residential property where he collects rent from an additional unit. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm provides integrated brokerage, custody, and advisory solutions supported by multi-asset portfolios and a formal due diligence process for alternative investments.

Sean Chang is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2013. Outside of his advisory role, he participates as a user providing short reviews and user experience feedback for a corporation based in San Francisco. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with various portfolio implementations including tax-aware options and access to strategic asset allocation.

Jeffrey Steel is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets Inc. since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, using structured planning tools and modeling techniques, while generally acting in an advisory capacity rather than providing individual security recommendations.

Hyrum Chen is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Moreton Asset Management and JPMorgan Chase Bank. Chen also spent time as an independent contractor and has experience associated with Brigham Young University. J.P. Morgan Securities LLC 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 process that combines quantitative modeling and centralized due diligence.

Richard Jacobsen is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Charles Schwab and its bank affiliate since 2011 and 2013, respectively. 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. The firm integrates non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Nicole Luo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Rong Wang is a financial advisor with Merrill in Hacienda Heights, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities and Bank of America. 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 individual, high-net-worth, and institutional clients.

Richard Bratincevic is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns a real estate investment property in Glendora, CA. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by advanced modeling tools and a structured discovery process.

Guillermo Salas is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 17 years of industry experience, including over a decade at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is based in Montebello, California. 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 select group of Wealth Advisors. The firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Harout Garabedian is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 15 years at TD Ameritrade before joining Charles Schwab 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 a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Shanon Still is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 registrations and 18 years of industry experience. Before joining Merrill in 2019, Shanon worked at Morgan Stanley for seven years. 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, and institutional investors using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Hovhannes Markosyan is a financial advisor at Merrill with five years of industry experience and holds the Series 66 designation. He has worked at Bank of America, JP Morgan Securities, and Equitable Advisors. Outside of his advisory role, he serves as Director of Armerica, a nonprofit focused on promoting Armenian culture and community, and owns a consulting firm that advises businesses on operations and marketing. 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 investment strategies for a range of individuals and institutional clients.

Audrey Chang is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2018 and RBC Capital Markets since 2014. Outside of her advisory work, she is the owner and landlord of a rental property in Alhambra, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to assist clients but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts unless separately agreed upon.

Lilta Talavat is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at UBS Financial Services and First Republic Securities Company. She also serves as a Notary Public, providing document notarization services for clients. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations to provide a comprehensive range of financial services.

Beverlee Chenault is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Outside of her advisory role, she works as an independent distributor and serves as a notary and loan document agent. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail, institutional, and specialized investment services.

Annie Yu is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

William Hoa is a financial advisor with J.P. Morgan Securities in Monterey Park, CA, holding Series 66 and Series 63 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan in various roles since 2010. Outside of his advisory work, he operates an online resale business specializing in rare merchandise and secondhand items. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a program that emphasizes quantitative asset-allocation modeling, manager due diligence, and an ESG eligibility framework.

Juan De La Rama is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals.