Alan Zhao is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. He previously worked at J.P. Morgan Securities for two years and has held roles at Bank of America, N.A., and JPMorgan Chase Bank, N.A. Zhao has also been affiliated with Boston University and the University of California, Berkeley. 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 a range of client types including individuals, high-net-worth clients, and organizations.

Barry Rappaport is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at Ameriprise for two years and was the owner of Borapp Consulting, Inc., a consulting business unrelated to investment services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Armen Arzumanyan is a financial advisor at Ameriprise with 20 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria. The firm provides written Recommendation Reports covering income sources, Social Security options, and tax-smart withdrawal strategies, utilizing algorithmic tools and research to support its advisory process.

Michael Chow is a financial advisor at Charles Schwab with 32 years of industry experience. He holds the Series 63 designation and has been with Charles Schwab since 1997, including roles at Charles Schwab Bank. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with integrated brokerage, custody, and advisory services.

Jason Yaworski is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, with prior experience at Wells Fargo and JPMorgan Chase Bank, N.A. 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. The firm applies an ESG eligibility framework in its investment recommendations and offers services on a non-discretionary basis.

Elizabeth Nowlin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Michael Medina is a CFP® and Series 66 registered advisor at Raymond James & Associates with one year of industry experience. Prior to joining Raymond James in 2026, he worked at Pure Financial Advisors and held several other financial and non-financial roles, including a period focused on education from 2010 to 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients with a range of financial planning and consulting services, emphasizing non-discretionary, tailored advice supported by proprietary research and multiple portfolio management styles.

Erin Brooks is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 credential and 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is an officer of T & G Brooks LLC, a property management business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both individual and corporate financial planning agreements.

Cameron Kashani is a financial advisor at LPL Enterprise with Series 66 registration and one year of industry experience. His prior work includes roles at PRUCO Securities, LLC, Mass Mutual, and Express Connection. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Jason Lock is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management in the Glendale office. He has been providing investment advice and asset management services to clients for over 30 years. Jason works with clients to develop personalized wealth management strategies that address their full financial picture, focusing on what matters most to them and adapting to changing market conditions. His expertise includes family wealth management, managing new wealth, retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Jason holds a Bachelor's Degree from The University of Kansas and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), and Certified Plan Fiduciary Advisor® (CPFA®). Jason values communication and service excellence in his client relationships. He follows the Merrill tradition of community participation and spends time volunteering with local organizations. Outside of work, he enjoys baseball, fishing, football, running, traveling, and spending time with his family.

Kevin Cai is a financial advisor with Charles Schwab who holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Morgan Stanley and Charles Schwab Bank, SSB. He has also worked in technology and education sectors, including a position at Clarissa.ai and teaching at The King's Academy. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers multi-asset model portfolios alongside alternative investment offerings.

Robert Coe is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, where he spent a combined 14 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary plan-level investment management and a broader set of financial products than typical institutional advisers.

Carlos Gil Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Aaron Kuo is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and beginning his career in 2026. His prior work includes roles at Nutanix and UC Irvine, as well as freelance work on Upwork. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to provide written recommendations within collaborative, annual planning engagements.

Artono Budhiman is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at WELLS FARGO Advisors, LLC from 2012 to 2016. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Ari Brozki is a financial advisor with Morgan Stanley in Sherman Oaks, CA. He holds Series 63 and Series 66 licenses and has recently started his career in the financial industry, joining Morgan Stanley in 2026 after roles at NYLIFE Securities LLC, New York Life Insurance Company, and several other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Bailey Harrison is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 credential and two years of industry experience. Prior to his current role, he has worked in media and investigative consulting, including positions at Fox News Media and USC Annenberg. Outside of finance, he is involved with Peak Models and Talent, a modeling agency where he acts as a fit model. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and modeling tools to help outline financial outcomes, serving a broad range of clients through its diverse retail and institutional offerings.

Christopher Andrews is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Merrill since 2009, having a concurrent affiliation with Bank of America since 1997. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Johnson is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Cetera. He has been with Cetera and its affiliated entities since 2013. Outside of advisory work, he is licensed as a life insurance agent. Cetera Investment Advisers LLC provides a broad range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering access to affiliated and unaffiliated managers, with various program structures and custodial relationships.

Jason Hughley is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked at Cetera since 2019 and previously spent 10 years with Foresters Financial Services. Outside of his advisory role, he provides educational seminars as a retirement specialist and serves as a team-based model consultant. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a wide range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and third-party managers.