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 with J.P. Morgan Securities in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at UBS Financial Services and First Republic Securities Company. She also serves as a Notary Public, providing document notarization services for clients. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations to provide a comprehensive range of financial services.

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.

Annie Yu is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

William Hoa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2016 and operates an online retail business selling rare collectibles and second-hand merchandise. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Juan De La Rama is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He 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. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals.

Qing He is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cetera Investment Services, East West Bank, and Bank of America, as well as work with Easy Ways USA LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools but does not provide individual security recommendations as part of standalone plans.

Khushwant Thandi is a financial advisor with LPL Financial in West Covina, CA, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at CUNA Brokerage Services and Wells Fargo Investments, and he has been associated with SchoolsFirst FCU since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and participant-level retirement advice.

Wendy Wei is a financial advisor with Merrill and holds Series 63 and Series 66 licenses. She has 19 years of industry experience, including 14 years with Bank of America, N.A. and Merrill. Prior to that, she worked at Wells Fargo Investments and Wells Fargo Clearing. Outside of advising, she serves as a general partner and managing member of two single-member LLCs unrelated to investment activities. 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 supported by internal and third-party managers for a broad client base including individuals, high-net-worth clients, and institutional investors.

Daniel Tomlinson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of areas including legacy planning, college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Daniel works closely with individuals, couples, and businesses to develop personalized financial strategies aligned with their long-term goals. Daniel holds a Bachelor’s Degree from Southern Methodist University and is a Personal Investment Advisor (PIA). He is affiliated with the Irvine Chamber of Commerce and draws on his background as a former Marine to build strong, trust-based relationships with clients. His approach emphasizes understanding what matters most to clients and collaborating with them to navigate financial decisions throughout different stages of life. Outside of his professional work, Daniel enjoys spending time with his family, watching movies, and playing baseball. He also actively participates in his community through volunteering, reflecting his commitment to service both personally and professionally.

Brian McTear is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He collaborates with clients to co-create and implement financial strategies aimed at managing wealth and pursuing investment planning goals. His approach focuses on building trust and understanding to develop wholistic, goals-based strategies that provide consistency, confidence, and clarity in investment and retirement planning. Brian's experience in the financial services industry includes positions as Relationship Manager and Financial Representative at Fidelity Investments, as well as Registered Representative at Guardian Life-Park Avenue Securities. He holds a California Insurance License, supporting his work in financial planning and investment management. Outside of his professional activities, Brian has interests in beach activities, fitness, music, parenthood, and volunteering.

Kelly Alexander is currently serving as Vice President, Wealth Planner at Fidelity Investments since 2025. In this role, Kelly focuses on supporting businesses, individuals, and families to align their financial momentum with their future goals. Kelly has accumulated extensive experience in the financial services industry, having held positions such as Senior Relationship Manager at E*Trade from Morgan Stanley at Work (2018-2025), Private Client Investment Consultant at TD Ameritrade (2015-2018), and Investment Consultant roles at Charles Schwab (2013-2015) and Morgan Stanley Smith Barney (2005-2012). Prior to that, Kelly worked as an Institutional Fixed Income Assistant at Bear Stearns from 1995 to 2005. Kelly holds a California Insurance License. Outside of work, Kelly enjoys camping, cooking and baking, outdoor adventures, volunteering, and writing.

Isaac Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing five years of industry experience. He has been with J.P. Morgan Securities since 2021 and worked at JPMorgan Chase Bank, N.A. from 2017 to 2022. Prior to entering the financial industry, he worked for three years at In-N-Out Burger. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Nieke Ritonga is a financial advisor with LPL Financial in Glendora, CA, holding a Series 66 designation and 11 years of industry experience. Prior to joining LPL Financial in 2025, Ritonga worked at Western International Securities, Inc. for 16 years and Coordinated Wealth Management, LLC for 10 years. Ritonga is also involved in tax preparation and accounting through a related business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various tools and strategies.

Narek Tagmizyan is a financial advisor with Wells Fargo Clearing in South Pasadena, CA, holding a Series 66 designation and seven years of industry experience. He previously worked at Bank of America N.A. and Merrill before joining Wells Fargo Bank and Wells Fargo Clearing in 2021. Outside of his advisory role, he has a business selling collectibles. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Jacques Kalanjian is a financial advisor with Charles Schwab in Pasadena, CA, holding a Series 66 designation and 20 years of industry experience. He previously worked at TD Ameritrade for 13 years before joining Charles Schwab and Charles Schwab Bank, SSB 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Anson Li is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. Merrill, alongside 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.

Lukas Thiemann is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His background includes roles at JPMorgan Chase Bank, N.A., and academic involvement at the University of Southern California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to support client decision-making.

Jeffrey Ma is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Wells Fargo in 2024, he worked at HSBC Securities (USA) Inc. and HSBC Bank USA in various capacities from 2016 to 2024. Outside of his advisory role, he owns and operates a cleaning business in Temple City, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.