Andrew Kuo is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked for Western International Securities, Inc. for 18 years before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, utilizing both in-house and third-party strategies across discretionary and non-discretionary platforms.

Gregory Babykin is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 credential. Outside of his advisory role, he is involved as an individual contractor. 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 and financial planning services utilizing structured planning tools and proprietary market projections.

Nancy Morsy is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. Her prior roles include positions at Union Bank/MUFG and Bank of America, N.A., among others. 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, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Joshua De Vry is a CFP® with 10 years of experience in the financial services industry. He has worked at Prudential Insurance Company of America since 2016 and joined LPL Enterprise in 2024. His background also includes roles at Pruco Securities, LLC and involvement with Sophie's Place. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Sumi Chung is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2018. She has been with Fidelity for 15 years and has 25 years of experience in the financial industry. In her role, she partners with high net worth clients to develop, implement, and maintain wealth planning strategies tailored to their unique financial goals. Prior to her current position, Sumi served as a Senior Relationship Manager at Fidelity Investments from 2010 to 2018. Before joining Fidelity, she was an Operations Manager at Charles Schwab from 2000 to 2010. She holds a California Insurance License.

Roger Chang is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 63 designation and over 34 years of industry experience. His career includes prior roles at Securities America Advisors, National Planning Corporation, and his ongoing involvement with IMCG, Inc., a business related to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services using a variety of investment strategies and tools, supported by a large network of over 22,800 advisors and extensive asset management capabilities.

Lolla Long is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2025, she worked at CUSO Financial Services, LP, PNC Investments, and several BBVA entities. She has been involved with the Girl Scouts of San Gorgonio County for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management solutions through a large network of investment adviser representatives.

Robert Gabler is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and having 14 years of industry experience. He has been with Morgan Stanley since 2011 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Lynette Atchley is a CFP® and PFS™ with 26 years of experience in the financial services industry. She has worked with Cetera since 2000 and serves as CEO and Managing Director of CPA Financial Advisors, Inc., where she oversees tax and accounting services. Outside of advisory roles, she holds board positions in nonprofit and environmental organizations and chairs a committee of CPAs who are financial planners. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts through various program structures and custodial relationships.

Opinder Marwah is a financial advisor at Osaic with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for 25 years at Woodbury Financial Services, Inc. Marwah is also engaged in the insurance business, offering fixed insurance products such as term life, disability, and health. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with options for discretionary management and third-party managers, supporting various client types including individuals, retirement plans, charities, and corporations.

Jason Sgrignoli is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Raymond James since 2010 and previously worked at Kimmel & Associates. Outside of his advisory role, he is the owner of Baseline Wealth Services, LLC, and serves as a mentor coordinator for Foothill Networking Professionals (BNI). Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting, utilizing analytical tools and risk profiling to support client goals.

Kyle Weber is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and has 10 years of industry experience. He previously worked at Woodbury Financial Services for eight years before joining OSAIC in 2024. Outside of his advisory work, he is involved in managing Airbnb properties through sole proprietorships. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a wide range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, recent consolidation, and complex affiliate network involving broker-dealer, asset management, insurance, and trust services.

Alexander Apodaca is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 66 designation and has previously worked at CUNA Brokerage Services, Inc. He has been involved with SchoolsFirst Federal Credit Union since 2014, serving as an advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Kevin Goodman is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In this role, he works closely with Fidelity's High Net Worth clients and their families to develop personalized investment strategies and implement long-term retirement plans. Prior to this, he served as Vice President Regional Planning Consultant at Fidelity Investments in 2010. Before joining Fidelity, Kevin was the Director of Guaranteed Investments for Separate Accounts at Pacific Life Insurance Company from 1989 to 2009. He holds a California Insurance License. Outside of his professional career, Kevin enjoys activities such as going to the beach, biking, attending concerts, spending time with family, listening to music, and traveling.

Cynthia Rich is a financial advisor with Edward Jones in Brea, CA, holding Series 63 and Series 65 licenses and five years of industry experience. She previously worked at First Bank, Infinex Investments, Empress Investment Group, Madison Avenue Securities, Honor, Townsend & Kent LLC, and Penn Mutual Insurance Company. Outside of her advisory roles, she has been involved with Isagenix International, where she receives residual income. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

David Williamson is a financial advisor at LPL Financial with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Transamerica Financial Advisors, Environmental Systems Research Institute, Net Law, and Qsciences. Outside of his advisory work, Williamson is the owner and president of Thistle California Collective. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its advisors with various operational and research tools.

Fay Meng is a Series 66-licensed financial advisor with UBS Financial Services in Claremont, CA, bringing 25 years of industry experience. She has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets and advisory services.

Lawrence Ruiz is a financial advisor with Primerica Advisors in Altadena, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Primerica Advisors since 1999 and also serves at the California School of the Arts, San Gabriel Valley. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of portfolio models and manager selection.

Paul Anderson is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America, Merrill, and Morgan Stanley Private Bank. Based in Brea, CA, Anderson has been with Morgan Stanley since 2003 in various roles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm employs a structured planning process using firm-approved tools and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Oscar Bahena Del Angel is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and five years of industry experience. He previously worked with several Cetera affiliates from 2018 to 2022. Outside of financial advising, he is employed in the hospitality industry attending to patrons and delivering food and drinks. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and manages model portfolios composed of mutual funds, ETFs, and ETPs.