James Smith III is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He holds a Series 66 designation and has been with Thrivent and its related entities since 2004. His prior experience includes long-term roles at Thrivent Financial for Lutherans. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning covering topics such as retirement, income tax, estate, and special needs, with the option to integrate planning alongside managed-account services under a consolidated billing program called “WealthPlan.”

Patrick Mendoza is a financial advisor with Osaic Wealth, Inc. in Corona, CA, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Mariner Independent Advisor Network, LPL Financial, and Northstar Life Services. Mendoza also has a background at Western University of Health Sciences. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using various asset-allocation tools and portfolio management strategies.

Robert Torres is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior roles include positions at MassMutual, Prudential Financial, and managing a personal brokerage account. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and delivers model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Andrew Mason is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds Series 63 and Series 66 credentials and has prior work experience with Twins Chiropractic and several other firms. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers comprehensive financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, using a variety of portfolio management strategies and platform arrangements.

Meredith Milosch is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked with PFS Investments Inc., Primerica Financial Services, and PFS University since the early 2000s. Outside of her advisory role, she is involved in wellness and health solutions as an ambassador for All In Nutritionals. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors, maintaining control over its investment models and fee arrangements.

Samee Aboubakare is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Forte Labs and Archegos Capital Management, and has been involved with The Grace and Mercy Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing research, model portfolios, and a variety of management strategies.

Tung Luu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He has held positions at Prudential Insurance Company of America and Pruco Securities, LLC, among others. His current roles include work with J.P. Morgan Securities and JPMC BANK NA in Southwest. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Suly Lan is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at UBS Financial Services and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

J. Paul Escudero is a CFP® with 35 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera and its related entities since 2008 and has operated Orange Capital Management since 1990. Outside of his advisory work, he provides coaching on financial planning software through a software business, Advanced Time Segmentation (ATS). Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a broad range of portfolio management services and access to third-party managers, overseeing over $256 billion in assets across more than 10,000 advisors.

Ally Li is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, NA, Wells Fargo Clearing Services, LLC, JP Morgan Chase Bank, NA, and J.P. Morgan Securities. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Garcia Jr. is a Series 66-registered financial advisor with 18 years of industry experience. He currently works at LPL Financial and has prior experience at CUSO Financial Services, LP and Wescom Financial Services, LLC. In addition to his advisory work, he served 28 years in the United States Navy. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options.

Jorge Aguilar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has worked at J.P. Morgan Securities since 2016 and was also involved with Jaguilar Brands, LLC from 2019 to 2023. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. 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 offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Dominador De Guzman III is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Deutsche Bank, Cinergy Financial, and Independent Financial Group. Outside of his advisory role, he serves as a youth basketball referee for a community league in Tustin, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios.

Qianlin Chen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Chen worked at JP Morgan Chase from 2016 to 2018. Outside of work, Chen serves as a successor trustee for a family trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Micalizzi is a financial advisor with Primerica Advisors in Corona, CA, holding Series 63 and Series 65 designations and over 32 years of industry experience. He has been with Primerica Advisors since 1994 and with Primerica Financial Services since 1993. His other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients, offering model-driven portfolio management with support from third-party asset managers and custodians. The firm operates at scale with thousands of advisors and offices, managing approximately $15.5 billion in assets.

Derek Wilson is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and totaling 16 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation and Nationwide Financial. Outside of his advisory work, he manages Wilson Financial & Insurance Services, LLC, an entity associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Justin Harmier is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Placentia, CA. He has 19 years of industry experience, including over a decade at Wells Fargo Clearing and a prior year at Wells Fargo Advisors, LLC. 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 a broad range of brokerage and advisory solutions.

Paul Wu is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jeffrey Malaterre is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including ABN Financial Group and Bankers Life and Casualty. Outside of his financial career, he has written a book. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.