Brandon Chhan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with Cetera and its affiliates since 2017 and has prior experience at Foresters Financial Services. Outside of advising, he serves as a creative manager for the Los Angeles chapter of Project by Project, a nonprofit focused on video production and editing, and also works as a notary. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of over 10,000 advisors, utilizing multiple program structures and a range of third-party and affiliated investment options.

Jeffrey Grant is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Christopher Swaine is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Morgan Stanley, E*TRADE Securities LLC, and Arbor Court Capital, LLC. 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. Schwab provides both non-discretionary investment guidance and access to discretionary separately managed accounts supported by centralized custody and integrated operational services.

Michael Willard is a CFP®-certified financial advisor with UBS Financial Services, where he has worked since 1998. He holds Series 63 and Series 65 licenses and has 36 years of industry experience. His prior affiliation includes Painewebber, concurrent with the early part of his tenure at UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management and uses proprietary research and asset allocation models to tailor client strategies.

Charles Chen is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience since joining the firm in 1999. His primary areas of practice include corporate retirement plans, executive stock services, and liability management. Charles partners with Merrill Specialists on credit and corporate pension plans to create financial strategies aligned with his clients' risk tolerance. He serves clients across multiple focus areas including college education planning, executive compensation, legacy planning, small business strategies, and personal retirement planning. Charles holds a Bachelor's degree in Finance from California State University, Fullerton. He has earned professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Previously, he led the training program for new Financial Advisors at the Brea, Santa Ana, and Ontario offices. Charles is fluent in English and Chinese. Outside of his professional role, Charles enjoys adventure sports such as mountain biking and snowboarding. He is also an engaged father, supporting his two daughters in dance activities. Charles resides in Anaheim Hills with his wife Angel and their daughters Cameron and Kyle.

Lisa Quach is a CFP®-credentialed financial advisor at J.P. Morgan Securities with 17 years of industry experience. She has worked at J.P. Morgan Securities since 2016, with prior roles at Fidelity, Merrill, and Citigroup Global Markets. Outside of her advisory work, she is a co-owner and partner in several rental property investments managed by third parties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screens, qualitative research, and an ESG eligibility framework to support portfolio construction and asset allocation.

Andrea Watkins is a financial advisor with OSAIC holding a Series 66 designation. She has less than one year of industry experience. Her prior work includes roles at Weber Wealth Advisors and Beautycounter, as well as time spent as a homemaker. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform with various investment programs. The firm’s approach involves model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party manager selection.

Dylan Mac Laren is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he held various roles including a contractor position with California Cryobank. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services.

Eden Joy Tuplano is a financial advisor at UBS Financial Services with four years of industry experience and holds the Series 66 designation. Prior to joining UBS in 2022, Tuplano worked at the Orange County Auditor-Controller and held positions at UCLA Transportation and the University of California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Carlos Kennedy is a financial advisor with Fidelity Investments in Los Angeles, CA, holding Series 63, Series 65, and Series 66 registrations and 19 years of industry experience. His prior roles include six years at Bancwest Investment Services, Inc. and earlier positions at Harrisdirect LLC. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios across a broad investment universe.

Alia Mitchell is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2011. 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 affiliated discretionary separately managed accounts and offers a centralized platform that includes custody, brokerage, and cash-sweep services.

Chad Leon is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. His career includes roles at firms such as Citigroup, Comerica Securities, and Wescom Financial Services. He is currently based in Anaheim, CA. 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 financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Andrew Li is a financial advisor at Cetera with 49 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at VOYA Financial Advisors and as an independent insurance broker since 1975. He is also active as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform that supports both discretionary and non-discretionary account management.

Mui Fan Graca is a financial advisor with Merrill in Pasadena, CA, holding Series 66 and Series 65 credentials and 26 years of industry experience. She has been with Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Nelson is a CFP®-designated financial advisor with 20 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and Cetera Financial Specialists since 2013 and is also associated with Petersen International Underwriters and Foresight Wealth, where he serves as owner. Nelson is licensed to sell disability insurance through multiple firms. Cetera Investment Advisers LLC is a large SEC-registered advisory firm that serves a diverse client base including individuals, employer-sponsored 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, providing advisors with access to various model portfolios and third-party money managers.

Eric Chang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 27 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for 23 years before joining Equitable Advisors. Outside of his advisory role, he owns CJ Capital Insurance & Financial Services, Inc., which sells fixed life, health, disability, and medical insurance products. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of advisers, utilizing third-party asset managers and LPL-sponsored advisory solutions.

Aubrey Robertson is a financial advisor with Thrivent Investment Management in Lakewood, CA, holding a Series 66 designation and 16 years of industry experience. He has worked with Thrivent Financial since 2017 and has prior experience at Wells Fargo Advisors and Raymond James Financial. Outside of his advisory role, Robertson is an author of Christian books and content. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on various planning topics without discretionary trading authority. The firm’s approach combines planning with managed-account programs under a consolidated billing option while maintaining separation between these services.

Bryan Kang is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and Chase Investment Services Corp since 2012. 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 written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and may incorporate an ESG eligibility framework.

Gary Tsou is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Bank of America, Merrill, Nylife Securities LLC, and New York Life Insurance Company. He has also held positions at California State College Fullerton and Mountain San Antonio College. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sandy Gage is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings extensive experience in wealth management, specializing in helping high-net-worth individuals preserve their principal through tax-efficient strategies and facilitating effective wealth transfers. Sandy's practice emphasizes personalized financial planning tailored to clients' unique goals, including family wealth management, legacy planning, tax minimization, and retirement income strategies. Her career began in 1985 on the trading floor of Security Pacific Bank, where she focused on tax-free bond portfolios. Following a series of mergers, her firm became part of Bank of America and later Merrill Lynch Wealth Management. Sandy completed executive education at Wharton in 2003, enhancing her expertise in financial advisory services. She holds the Personal Investment Advisor (PIA) designation and has maintained a focus on client-centric strategies throughout her career. Outside of her professional endeavors, Sandy is actively involved in her community through St. Paul The Apostle Church and supports Dana Farber Cancer Research. An avid runner, she has completed marathons across all seven continents, the six World Marathon Majors, all 50 states, and several 100-mile ultra marathons. She balances her career with family life, sharing her passion for running and philanthropy with her husband and four adult children.