Bruce Lien is a Series 66-licensed financial advisor with Thrivent Investment Management, based in Brea, CA. He has three years of industry experience and has worked previously at American Fidelity and Randstad Holding. Outside of financial advising, he operates a laundry and dry cleaning business as a sole proprietor. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated planning and managed-account option called WealthPlan, while maintaining separate services.

Lupita Duenas is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, Wells Fargo Clearing Services LLC, Wells Fargo Bank NA, and J.P. Morgan Chase. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative investment process.

Sapphira Chow is a financial advisor at Cetera with 12 years of industry experience. Her background includes positions at JP Morgan Securities LLC and East West Bank. Outside of finance, she is a licensed real estate agent and part-owner of a dog daycare and boarding business, Family Paws Resort LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services and operates a multi-manager platform that includes model portfolios and third-party manager options.

Chunyi Lei is a financial advisor at J.P. Morgan Securities with 15 years of industry experience and holds the ChFC® and Series 66 designations. Prior to joining J.P. Morgan in 2016, Lei established AJ4properties, LLC, where they continue to be involved. 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 in its recommendations.

Lidan Zhang is a financial advisor at Cetera with four years of industry experience and holds a Series 66 designation. Prior to joining Cetera, Zhang worked at KCAL Insurance Company and East West Bank. Zhang took a year for extended travel between 2016 and 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, 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 that supports various investment strategies and program structures.

Shane Gold is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at J.P. Morgan entities since 2016, including JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Kevin Bell is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, Wells Fargo, Edward Jones, and New York Life Insurance Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Michael Andrew Delgado is a Series 66-registered financial advisor with Edward Jones, based in Upland, CA. He has four years of industry experience, including prior roles at Merrill Lynch, Pierce, Fenner & Smith Inc./Bank of America, N.A., Helena Home, Inc., and LJMAM Home Care, Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Guy Hugaert is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2014. Outside of his advisory role, he serves as a power of attorney for his siblings. 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 plans, corporations, and charitable organizations.

Tasia Sevilla is a Certified Financial Planner (CFP®) with 20 years of industry experience, currently serving at Primerica Advisors. Her prior roles include positions at Cetera Advisor Networks LLC and Prudential, among others. She is also affiliated with Aris Solutions' Veteran Program and The Blue Ridge Academy. In addition to her financial advisory work, she receives non-investment compensation related to mortgage loan sales and home security referrals through Primerica-affiliated companies. Primerica Advisors is a large institutional firm managing a wrap-fee asset management program primarily for individual investors and select corporate and charitable clients. The firm offers model-based investment strategies supported by third-party managers and custodial services, serving nearly 3,700 advisors and overseeing approximately $15.5 billion in assets under management.

Konstantinos Gregory is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He has held his current role at J.P. Morgan Securities since 2014 and holds a Series 66 designation. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Joanie Liu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2003 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jamie Harwood is a CFP® professional with 20 years of industry experience and has been with Edward Jones since 2005. He holds Series 63 and Series 66 licenses. Outside of his advisory role, Harwood serves as Vice President of the Chino Youth Museum, where he participates in meetings and fundraising activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 financial advisors and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies and tax-efficient overlay services.

Melissa Bergeron is a financial advisor at Fidelity Investments with 14 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials and has previously worked at firms including Edward Jones, Liberty Capital Strategists, and Primary Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and emphasizes systematic methodologies and long-term asset allocation.

Anh Huynh is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and over 20 years of industry experience. He has worked at Sagepoint Financial, Inc. and Independent Capital Management, where he also serves as a senior district manager and offers insurance and estate planning services. Additionally, Anh Huynh is a certified Citadel Estate Planner and provides notary services for living trusts. OSAIC serves a broad range of clients, including individual investors and institutions, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and third-party platforms to construct and manage diversified portfolios tailored to client risk profiles.

Ryan Chester is a financial advisor with OSAIC in Anaheim, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has previously worked at The Leaders Group, Inc., Cetera Advisors Network LLC, and BGA Insurance. Outside of his financial advisory career, he has entrepreneurial interests, operating Smoqued BBQ Orange LLC and The Rub Company, Inc. OSAIC serves a diverse client base including retail, high-net-worth, institutional investors, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of advisers, employing various asset-allocation tools and offering access to multiple investment platforms.

Weihsiung Liang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 1999 and is also the owner of a CPA firm, Liang & Company Accountancy Corp, which provides accounting and tax services. Additionally, he works as an insurance agent, selling life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with access to affiliated and third-party managers.

Laura Guerrero is a CFP®-certified financial advisor at Ameriprise with 24 years of industry experience. She previously spent 21 years with Edward Jones before joining Ameriprise in 2020. Guerrero also owns Zaragosa Elite Wealth Management, LLC, a business that manages expenses for her Ameriprise franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, with an investment process that incorporates internal research, third-party data, and algorithmic tools.

Afra Torres De Macias is a financial advisor with Primerica Advisors in Fullerton, CA, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked with PFS Investments Inc. since 2007 and Primerica Financial Services since 2006. Her other business activities include sales of investment-related products and part-time referrals of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains an operational model focused on percentage-based wrap fees and ongoing manager oversight.

Joseph Yu is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Joseph works closely with clients to develop personalized financial strategies aligned with their long-term goals. Born in China and having relocated to the U.S. at age eleven, Joseph's background includes a Bachelor's degree from the University of California and a Master's degree from Cornell University. Before transitioning to financial advising, he worked as an engineer for six years. He holds the Personal Investment Advisor (PIA) designation and communicates fluently in English and Chinese. Joseph supports community involvement through volunteering activities and pursues various personal interests such as basketball, biking, football, golfing, music, reading, running, swimming, and spending time with his family. He remains committed to providing tailored wealth management solutions and values the opportunity to work one-on-one with clients to help them pursue their financial objectives.