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 with Morgan Stanley in Brea, CA, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Bank of America and Merrill. Anderson currently works with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and global market analyses.

Oscar Bahena Del Angel is a financial advisor with Fidelity in Rancho Cucamonga, CA, holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at multiple Cetera entities and Summit Brokerage Services. Outside of finance, he has worked in hospitality, attending to suite patrons and delivering food and drinks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage various investment vehicles.

Jimmy Hua is a Series 66-licensed financial advisor at Charles Schwab with four years of industry experience. His background includes roles at Bank of America from 2016 to 2022 before joining Charles Schwab and Co., Inc. in 2022. Charles Schwab & Co., Inc. serves 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 and discretionary investment solutions, combining extensive scale with integrated custody and brokerage capabilities.

Eric Yean is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2006. He specializes in corporate retirement plans, executive stock services, liability management, and designs wealth strategies tailored to clients' risk tolerance. Eric collaborates with Merrill Specialists on credit and corporate pension plans to provide comprehensive financial solutions. He holds a Bachelor's Degree in Finance from the University of Southern California and maintains the professional designation of Personal Investment Advisor (PIA). Beyond his professional role, Eric participates in community activities consistent with Merrill's tradition of service. He resides in Irvine with his wife and daughters and enjoys golfing, coaching girls basketball, and spending time with his family.

Michael Babykin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets, and uses structured planning tools and modeling techniques as part of its process.

James Smith III is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He holds a Series 66 designation and has been with Thrivent and its related entities since 2004. His prior experience includes long-term roles at Thrivent Financial for Lutherans. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning covering topics such as retirement, income tax, estate, and special needs, with the option to integrate planning alongside managed-account services under a consolidated billing program called “WealthPlan.”

Patrick Mendoza is a financial advisor with Osaic Wealth, Inc. in Corona, CA, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Mariner Independent Advisor Network, LPL Financial, and Northstar Life Services. Mendoza also has a background at Western University of Health Sciences. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using various asset-allocation tools and portfolio management strategies.

Alan Ayoub is a financial advisor with Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, he worked at Barrios Insurance Services Inc and Kemper Insurance, and operated his own computer services business providing occasional technical support. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Susan Outzen is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including six years at Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models in its financial planning process.

Aaron Blackfelner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Flagstar Bank and JPMorgan Chase. Outside of advising, he operates an independent travel agency booking custom travel experiences. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Andrew Mason is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds Series 63 and Series 66 credentials and has prior work experience with Twins Chiropractic and several other firms. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers comprehensive financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, using a variety of portfolio management strategies and platform arrangements.

Paul Castro is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with Cetera and UnionBanc Investment Services. Outside of his advisory role, he is involved in insurance and tax preparation services through his businesses Pathway Life Wealth Management Insurance Solutions and Pathway Wealth Tax and Accounting Services. LPL Financial serves a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of advisory programs and brokerage services supported by model portfolios, research, and technology-driven investment strategies.

Bo Li is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work history including roles at Oceane Media LLC and Castleton Education Group Inc. Outside of advisory services, Li serves on the board of directors for Pathway Christian Board and is involved in business ownership related to real estate. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Suly Lan is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at UBS Financial Services and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

J. Paul Escudero is a CFP® with 35 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera and its related entities since 2008 and has operated Orange Capital Management since 1990. Outside of his advisory work, he provides coaching on financial planning software through a software business, Advanced Time Segmentation (ATS). Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a broad range of portfolio management services and access to third-party managers, overseeing over $256 billion in assets across more than 10,000 advisors.

Ally Li is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, NA, Wells Fargo Clearing Services, LLC, JP Morgan Chase Bank, NA, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Bermejo Gutierrez is a financial advisor at Merrill with 8 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Hilary Campbell is a financial advisor at OSAIC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors Inc and Lone Eagle Wealth Services, where she is a partner. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences, participating in video training and outreach. OSAIC Wealth, Inc. serves a diverse client base ranging from individuals to institutions by providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to build portfolios encompassing various asset types, with management options tailored to client preferences.