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 the Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2024. His background includes roles at Moreton Asset Management and Brigham Young University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a manager solutions team that combines quantitative and qualitative research.

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 credentials and 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank, N.A. since 2014. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Patrick Holmquist is a Financial Advisor at Merrill Lynch Wealth Management. He offers guidance to individuals, families, and organizations managing significant wealth, focusing on thoughtful planning and education to help clients understand their choices and prioritize effectively. With a background that includes a decade in education, Patrick applies his teaching experience to simplify financial complexities and ensure clients comprehend the rationale behind their decisions. He assists with various financial planning needs, including retirement and balancing financial goals. Patrick holds a Bachelor's Degree from Creighton University, an MBA and a Master's Degree in Education from Loyola Marymount University, and a certificate from an Accredited Program at the University of California System. Outside of his professional work, he is involved in his church and community as a member of the Knights of Columbus, and enjoys activities with his family.

Andrew Huerta is a Financial Consultant at Fidelity Investments. In his role, he works closely with clients and their families to develop personalized financial plans aimed at achieving their goals. He emphasizes providing peace of mind through thoughtful investment and retirement planning, building lasting relationships based on trust. Andrew's experience at Fidelity Investments includes roles as a Financial Consultant since 2022, Investment Consultant from 2021 to 2022, and Financial Representative from 2020 to 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys camping, family activities, food, outdoor adventures, tennis, and traveling.

Rong Wang is a financial advisor at Merrill with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, J.P. Morgan Securities, and J.P. Morgan Chase Bank. Merrill 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. The firm combines internal Chief Investment Office teams and third-party style managers to implement trading, account administration, and custody support.

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.

Joshua Murty is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He works primarily with high-net-worth and ultra-high-net-worth individuals and families who have complex planning needs. Joshua focuses on investment strategy and long-term wealth planning, assisting clients in evaluating how their portfolios, estate plans, and financial structures align with their goals over time. He has experience with complex investment strategies and estate planning, especially for families dealing with multi-generational planning, concentrated wealth, and significant life transitions. Joshua employs a disciplined approach to investment management, emphasizing alignment between strategy, risk tolerance, liquidity needs, and long-term objectives. He often collaborates with clients' attorneys, CPAs, and other advisors to coordinate investment and estate planning decisions. Joshua earned a Bachelor's Degree from California State University, Fullerton, College of Business and Economics, and completed an executive education program at Yale University. He holds the designations of CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). His personal interests include boating, camping, fishing, football, and golfing.

Majid Taheran is a financial advisor with Cetera who holds Series 65 and Series 63 licenses and has 31 years of industry experience. He has worked at Avantax Advisory Services and Cetera Wealth Services, and he has operated his own financial advisory and legal practices. Taheran also serves as a professor teaching financial accounting and mathematics at the University of Phoenix. Cetera Investment Advisers LLC is an SEC-registered advisor that supports over 10,000 independent advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, including access to third-party managers and customizable investment solutions.

Cornel Catrina is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. In this role, he works with individuals and their families to develop customized financial plans, focusing on retirement planning, income strategies, and tax-efficient investing. His approach is centered on helping clients achieve their personal and financial goals. Prior to his current role, Cornel served as a Financial Advisor at Merrill Lynch from 2016 to 2017. He also held the position of Regional Manager at GL Advisor between 2010 and 2014, and was a Registered Representative with Datek and Heartland Securities from 1996 to 2002. Cornel holds a California Insurance License. Outside of his professional work, Cornel enjoys biking, running, swimming, and tennis.

Guillermo Salas is a Series 66 registered advisor with 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank, N.A., Wells Fargo Clearing, and Wells Fargo Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates centralized due diligence, quantitative and qualitative research, and may include an ESG eligibility framework.

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.

Johnny Le is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he assists clients in developing personalized financial strategies that align with their individual ambitions and family goals. He focuses on areas such as planning for education funding, retirement lifestyle, and potential healthcare costs. Johnny's approach involves simplifying investment complexities and fostering transparent communication to guide clients through their financial planning journey. Johnny holds the designation of Personal Investment Advisor (PIA). He earned his High School Diploma from Fullerton Union High School. His professional philosophy centers on identifying what matters most to clients and their families to create effective financial strategies.

Hovhannes Markosyan serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to assess their financial situations and introduce solutions available through Merrill and Bank of America. He aims to support clients in understanding their financial options and selecting platforms that align with their needs. Hovhannes holds the designation of Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from the California State University System. His approach emphasizes helping clients identify their priorities to develop strategies tailored to pursue their financial goals.

Garrett Earls is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade Inc. Outside of his advisory role, he serves as a high school football official with the Foothill-Citrus Football Officials Association and is a board member of the OCS Foundation, which provides scholarships to families in need. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research and due diligence on alternative investments.

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 several firms including Merrill, Citigroup Global Markets, RBC Capital Markets, and Morgan Stanley. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and investment models, combined with advisory services across a broad spectrum of retail and institutional offerings.

Lilta Talavat is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services, First Republic Securities Company, and JPMORGAN Chase Bank. In addition to her advisory role, she is a licensed Notary Public. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their process incorporates quantitative and qualitative due diligence and includes capabilities in derivatives and commodities.

Beverlee Chenault is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She worked at Citigroup Global Markets from 1998 to 2009 before joining Morgan Stanley Smith Barney, where she has been since 2009. Outside of her advisory role, she is an independent distributor of non-investment products and serves as a notary and loan document agent. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its advisory process.