Nicole Slapak is a Series 66-licensed financial advisor at J.P. Morgan Securities with 10 years of industry experience. She previously worked at Morgan Stanley from 2015 to 2021 before joining J.P. Morgan Securities and J.P. Morgan Chase Bank in 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Vincent Jacobs is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for seven years and Anchor Loans for one year. Jacobs is also involved in mortgage and real estate services as a real estate agent in Long Beach, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Rodney Engel is a financial advisor at UBS Financial Services with 31 years of industry experience. He has been with UBS since 2008 and holds the Series 63 and Series 65 designations. UBS Financial Services 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 and provides proprietary research to tailor investment strategies.

John Hannah is a Financial Consultant at Fidelity Investments, where he assists individuals and families in developing customized financial plans. His focus areas include investments, retirement planning, income strategies, and tax-efficient investing, aiming to support clients in achieving their personal and financial goals. John's professional experience includes roles as a Planning Consultant, Relationship Manager, and Investment Solution Representative at Fidelity Investments from 2021 to the present. Prior to joining Fidelity, he worked as a Junior Analyst at Harvey & Company LLC and as a Financial Advisor at Edward Jones. He holds a California Insurance License. Outside of his professional work, John has interests in cars, football, pets, reading, and traveling.

Steven Klahorst is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at various Cetera entities since 2020 and previously spent two decades at First Allied Securities. In addition to his advisory role, he owns Golden Hills Investment Advisors and serves as a fiduciary for a family interactive account. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform utilizing both affiliated and third-party managers.

William Shin is a financial advisor at LPL Enterprise with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including JP Morgan Securities LLC, The Prudential Insurance Company of America, and Pruco Securities. Outside of advisory work, he is registered as a Prudential-sponsored non-variable insurance agent. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities through a network of investment adviser representatives. The firm employs a model-driven investment approach, offers financial planning and consulting, and facilitates insurance product sales through affiliated entities.

John Ong is a financial advisor with Primerica Advisors in Carson, CA, holding Series 63 and Series 65 designations and over 22 years of industry experience. He has been with Primerica Advisors since 2002 and has worked with Primerica Financial Services since 2000. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on non-institutional client portfolios.

John Lewis is a financial advisor with OSAIC in Tustin, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Liberty Capital Management and OSAIC for over two decades and is the owner of Lewis & Lack A Financial Services Corporation, which provides accounting and bookkeeping services. Additionally, he manages commercial office property as part of a tenants in common ownership group. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a broad network of advisors. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and third-party money managers to construct diversified portfolios.

Joshua Barnum is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. Prior to Merrill, he worked at Bank of America, JPMorgan Chase Bank, and AT&T. He is also the owner of Financial Hedge LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Fernando Cruz is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has held positions at firms including LPL Financial, Bank of America, and Merrill. Cruz is based in La Mirada, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Sean Bryant is a financial advisor with Ameriprise in Long Beach, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. His work history includes positions at Wells Fargo Clearing, Merrill, and Banc of America Investment Services, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice, utilizing proprietary research and third-party data within a defined investment framework.

Yao Li is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Merrill, Li worked at Bank of America, Cetera, Cathay Bank, and Subrigo Networks. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Randolph Schroeder is a financial advisor with Edward Jones in Anaheim Hills, CA, holding Series 63 and Series 66 licenses. He has 22 years of industry experience and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices, offering various advisory programs and affiliated investment products under a fiduciary standard.

Kenneth Hickman is a financial advisor at Ameriprise with seven years of industry experience and holds a Series 66 designation. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2018, with prior experience at Wells Fargo Corp in 2017. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jeff Gonzales is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds a Series 66 designation and has worked at various affiliates of Edelman Financial Engines since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary advice.

Juan Ortiz is a financial advisor with Charles Schwab in Brea, CA, holding a Series 66 license and six years of industry experience. His prior roles include positions at GWN Securities, Equitable Advisors, and AXA Advisors. There are no notable outside activities reported. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 separately managed accounts, utilizing multi-asset model portfolios, written advice policies, and a formal alternative-investment process.

Jennifer Toney is a financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2013 and is currently associated with Morgan Stanley Private Bank, National Association. Toney holds a Series 66 designation. Outside of her advisory role, she is involved in managing an investment property in Mammoth Lakes, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery and firm-approved tools to model outcomes.

Christian Frost is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2010. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its use of algorithmic methods and AI in research, its role as a commodity pool operator, and its advisory services to multiple registered investment companies.

Christina Bennett is a CFP® with 20 years of industry experience, currently serving as a financial advisor at LPL Financial since 2008. She previously worked at Ameriprise from 2006 to 2008. Outside of her advisory role, she has been employed with Door Dash since 2016 in a non-investment-related capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform includes financial planning, third-party asset management, and institutional solutions, supported by a large network of investment adviser representatives.

Moses Lee is a financial advisor at Fidelity with Series 63 and Series 65 licenses and three years of industry experience. He previously worked at NYLife Securities LLC and New York Life Insurance. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with formal advisory roles to multiple funds.