Lorena Rubio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously spent seven years at U.S. Bancorp Investments, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthew Gorham is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for seven years before joining Wells Fargo in 2016. 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 supported by research from the Wells Fargo Investment Institute.

Stephen Shiao is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at LPL Enterprise LLC, Prudential, New York Life Insurance Company, and NYLIFE Securities LLC. Outside of financial services, he has been involved with entrepreneurial ventures including TidyUp Laundry and Lock America, Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing annual collaborative planning relationships that utilize firm-approved software and tools for goal analysis and recommendations.

Philip Carpenter is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 1985 and holds the Series 63 designation. Outside his advisory role, he serves as an arbitrator for the National Futures Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and asset allocation models to tailor client plans.

Puneet Chawla is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 66 designations. In addition to his advisory role, he works as a process developer in operations at Genpact. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment programs and third-party managers.

Ryan Omoto is a financial advisor with Edward Jones in Huntington Beach, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, supported by a network of more than 23,700 advisors nationwide.

Zachariah Klippel is a financial advisor at Edward Jones in Marina Del Rey, CA, holding a Series 66 designation with 24 years of industry experience. His prior roles include positions at Citi Private Bank, Merrill Lynch, Bank of America NA, and Citicorp Investment Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and fiduciary advisory services, supported by a large network of financial advisors and branch offices nationwide.

Connie Horstkotte is a CFP® with 26 years of experience in the financial industry. She has worked at FSC Securities Corporation for 19 years before joining OSAIC in 2023. Horstkotte also operates a sole proprietorship providing financial advisory services focused on insurance product review and client consultation. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Osvaldo Sicairos is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2023, with prior experience at Wells Fargo Clearing, Wells Fargo Bank, US Bank, and Sherwin-Williams. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios drawn from a broad investable universe.

Joshua Mclawhorn is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he spent several years at the University of North Carolina at Chapel Hill in various roles. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction based on proprietary research and quantitative analysis.

John Koh is a CFP® with 24 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at BMO Bank N.A., LPL Financial, Bancwest Investment Services, and Bank of the West. J.P. Morgan Securities 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ravy Ly is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to that, he was involved with Cherri's Donut Plus from 2011 to 2019. J.P. Morgan Securities 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, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Ryan Pulver is a financial advisor with RBC Capital Markets, holding a Series 66 designation and beginning his industry career in 2024. His background includes experience in the hospitality sector, with roles at Oceans Cafe & Grill and Venchi, as well as ongoing involvement with Starlight Anesthesia since 2022. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs with customizable portfolio management and integrated financial services.

Edward Wirtz is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding Series 63 and Series 66 designations and offering 32 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual since 2008. Outside of his advisory work, he is an owner of a corporation used for pass-through compensation and is involved in life and health insurance sales through an individual business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved analytical tools and offers ongoing collaborative planning without discretionary authority over client investments.

Branden Rubasky is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been with Cetera and its affiliate Cetera Wealth Services since 2013. Outside of advising, he works as a line training manager for United Airlines, assisting and checking pilots on the 737 aircraft. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, and institutional accounts, offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Antonio Perez is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 licenses. His prior work includes roles at J.P. Morgan Securities and Paychex Inc. Outside of his advisory role, he provides baseball coaching and development advice to his son and his son's teammates. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, using model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Pao is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 credential and has worked at firms including Charles Schwab and TD Ameritrade. Pao is also the owner of Pao and Associates, an investment-related business in Hermosa Beach, CA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s advisory offerings incorporate proprietary research and third-party data within a framework that includes affiliated product options and disclosure of economic relationships.

John Byers is a Series 66-licensed financial advisor with Wells Fargo Clearing in Santa Monica, CA, where he has worked since 2021. He has five years of industry experience and has held various roles including positions in real estate and self-employment. Outside of finance, he owns and operates a shoe dressing business named J. BYERS DESIGN. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dean Woehrman is a financial advisor with LPL Financial in Long Beach, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Linsco Private Ledger since 2007. Outside of his advisory role, he is involved with Legacy Retirement Planning, a business focused on investment and non-variable insurance services. 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 financial planning and asset management services, utilizing various investment strategies and technology tools to support its large network of advisors.

Tejas Lolge is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at Capital Group and has a background that includes five years at the University of California, Riverside. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.