Yun Bai is a financial advisor at Cetera with seven years of industry experience. Bai holds Series 63 and Series 66 licenses and has worked previously at institutions including Citigroup, UBS Financial Services, Wells Fargo, HSBC, J.P. Morgan, and Bank of America. Bai is based in City of Industry, California. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with access to affiliated and third-party strategies.

Yuritzi Chavez is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. Prior to joining Merrill and Bank of America in 2026, she worked at J.P. Morgan Securities and JPMC Bank NA. 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, and institutions.

Jennifer Kao is a financial advisor at Wells Fargo Advisors with 23 years of industry experience and holds the Series 66 designation. She has worked within various Wells Fargo entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including specialized services such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop tailored recommendations.

Hector Ruiz is a financial advisor at Fidelity with 26 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC, where Hector works, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds structures.

Richard Chun is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012. He is also the General Partner, President, and CEO of Rtec Group Inc., a private S corporation. J.P. Morgan Securities 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Willard Hansen is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 36 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1989. Outside of advising, he is involved in sales of home security and automation products through affiliated companies and receives compensation for referrals related to these services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed accounts primarily to individual and high-net-worth clients. The firm employs third-party asset managers and uses a tiered wrap-fee structure for its services.

Kaosheng Lin is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes positions at LPL Financial and Cathay Bank, where he has worked since 2015. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform with options ranging from automated allocations to bespoke strategies.

Shujun Wu is a financial advisor at UBS Financial Services with 17 years of industry experience. Prior to joining UBS Financial Services in 2025, Wu worked at UBS AG and Morgan Stanley Smith Barney LLC. Wu holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers proprietary research and capital markets services to support client strategies.

Mical Pyeatt is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 designations and over 43 years of industry experience. She has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Outside of her advisory role, she is a partner in Darwin the Story LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm operates at scale, employing nearly 3,700 advisors and managing approximately $15.5 billion in assets, with investment strategies delivered primarily through model portfolios managed by unaffiliated asset managers.

Peter Tran is a CFP® professional with 12 years of industry experience, currently serving at Wells Fargo Clearing since 2021. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank from 2012 to 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than typical large institutional advisers.

John Youssef is a financial advisor at LPL Financial with two years of industry experience and holds a Series 66 designation. His prior work history includes roles at BMO Harris Bank, Bank of America, Merrill, Prosperity Home Mortgage, and Wells Fargo. 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 various advisory programs, financial planning, and brokerage services, with investment management supported by LPL Research and third-party subadvisors.

Larry Roberts is a Certified Financial Planner® (CFP®) with 31 years of industry experience. He has worked at Osaic since 2024 and was previously with Woodbury Financial Services for eight years. Outside of his advisory role, Roberts is the owner and president of LAJD Investments, an S corporation involved in full-service financial planning. Osaic Wealth, Inc. serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services with a range of portfolio construction tools and access to third-party money managers.

Selena Chen is a financial advisor at Charles Schwab based in Arcadia, CA, holding a Series 66 designation. She has one year of industry experience, with prior roles at Citibank and eXp Realty. Charles Schwab 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 advisory recommendations and access to discretionary separately managed accounts, supported by a multi-asset allocation investment approach and centralized operational infrastructure.

Jenny Wang is a financial advisor with UBS Financial Services in Pasadena, CA, holding a Series 66 designation and 26 years of industry experience. She 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, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management services and operates as a registered broker-dealer, investment adviser, and futures commission merchant.

Raymond Oloteo is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Merrill and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Magdalena Sanchez is a financial advisor at Merrill with 11 years at the firm and 5 years of industry experience. She holds a Series 66 designation and is based in Pasadena, CA. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Barry Queen II is a financial advisor with Cetera in Pasadena, CA, holding Series 63 and Series 66 licenses and over 14 years of industry experience. He has worked at firms including New York Life Insurance Company and Eagle Strategies, and currently owns Precision Planning Financial Group, LLC. Outside of his advisory role, he is involved in public speaking and writing on non-investment topics and is the author and founder of "Your Money, Your Story," a book and educational content platform. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment strategies and third-party managers.

Viet Le is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he manages and handles bookkeeping for a family auto rental business. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Uffelman is a Wealth Management Advisor with over 40 years of experience in the financial services industry. He provides assistance to clients in making significant financial decisions, focusing on family wealth management strategies, personal retirement planning, portfolio management, socially responsible investing, and retirement income. He holds a Bachelor's Degree in Economics from Wake Forest University and the Certified Financial Planner (CFP) designation. Scott's professional credentials also include licenses in insurance as well as Series 3, 7, 8, and 66 FINRA registrations. He has previously served on the NYSE Exchange Hearing Board and brings extensive experience from roles including branch manager of multiple offices. Scott is engaged in his community through involvement with organizations such as Habitat for Humanity, The Huntington Museum, and the Odyssey School, where he has served on the School Board. Outside of his professional work, he enjoys golfing, running marathons, swimming, tennis, and yoga. He resides in California with his wife and they have three grown children and two granddaughters.

Alexis Wilson is a Series 66-licensed financial advisor at Merrill with eight years of industry experience. She has been with Merrill since 2016 and previously worked at Wag and Pace University. 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, and institutional accounts.