Johnny Liu is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Sushiholics and has experience in education from roles at Asucla, the University of California, Los Angeles, and West Covina Unified School District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, primarily serving clients with significant investable assets.

Thoeurn Indy is a financial advisor at LPL Financial with 28 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining LPL Financial in 2025, he worked at Cuso Financial Services, Lp for 11 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Sonny Licata is a CFP® certificant with nine years of industry experience. He is currently an advisor at Edelman Financial Engines, having previously worked at Spinnaker Investment Group, Morgan Stanley, E*TRADE, TD Ameritrade, and Scottrade. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary management and non-discretionary online advice.

Brad Maurer is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2017 and previously held roles at Bank of the West and BancWest Investment Services from 2015 to 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Anna Diaz is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and modeling techniques.

Victoria Renne is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Frank R. Carey, EA, from 1992 to 2021. In addition to her advisory role, she owns a tax preparation and accounting business focused on income tax returns. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal research and third-party resources.

Sukhman Kaur is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. Her prior work includes roles at Bank of America, City National Bank, BMO, Bank of the West, and Wells Fargo. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Walters is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 65 designations and has been with various Fidelity entities since 2008, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company where he operates, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies and AI-driven research processes.

Douglas Hartman is a financial advisor with Primerica Advisors in Coto De Caza, CA, holding Series 63 and Series 65 designations and over 43 years of industry experience. He has been with Primerica Financial Services and its affiliated advisory firm since 1980 and 1981, respectively. Hartman is also the owner of Ten Talent, Inc., a nonprofit organization supporting various ministries. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Debbie Chien Cabudol is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has worked with Merrill and its predecessor firms since 2008, including a tenure at Bank of America. 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. The firm offers model-based and discretionary investment strategies and serves a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Kirkland is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and 17 years of industry experience. He has worked concurrently with Orange County Credit Union and LPL Financial since 2016. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Francis Ponzio is a financial advisor at Fidelity with three years of industry experience. He previously worked at Thrivent Investment Management Inc and Farmers & Merchants Bank of Long Beach. Ponzio holds the Series 63, Series 65, and Series 66 designations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and systematic portfolio construction. The firm is noted for its use of algorithmic methods and AI in research, its role in managing registered investment companies, and its development of model portfolios for intermediary platforms.

John Hernandez is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily 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 investment strategies.

Joseph Peralta is a CFP® professional with 36 years of experience in financial advising. He is currently with Cetera, where he has worked since 2020, and previously spent 14 years at First Allied Securities, Inc. Outside of his advisory work, he serves as co-trustee of a family trust and is commissioned as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, accommodating various investment programs and supervisory structures.

Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Andrusky is a CFP®-designated financial advisor with 25 years of industry experience. He is currently with LPL Financial in Anaheim, CA, having previously worked at Charles Schwab and TD Ameritrade. He also serves as a Member Experience Advisor at Partners Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Cady Tran is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Corey Fast is a financial advisor at Edelman Financial Engines with 21 years of industry experience. He holds a CFP® designation as well as Series 63 and 65 licenses. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm offers a mix of discretionary management and online advice, utilizing diversified model portfolios and a fiduciary approach for retirement accounts, managing substantial assets across a large client base.

Kristopher Atzeff is a Series 66 credentialed financial advisor at Fidelity with 18 years of industry experience. He has been with various Fidelity entities since 2008, including Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its formal advisory roles to multiple registered investment companies and its use of advanced methodologies, including AI and algorithmic methods in research.

Tien Dinh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked with various divisions of J.P. Morgan since 2016 and spent one year at Pacific Advisors LLC prior to that. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.