Ruby Herrera is a Certified Financial Planner (CFP®) and holds a Series 66 license with 17 years of industry experience. She has been with UBS Financial Services since 2007. Outside of her advisory role, she is involved with Le-Vel, a privately held company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Lope Choa is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop personalized financial strategies that align with their long-term goals. His approach involves a comprehensive understanding of each client’s full financial picture, and he utilizes resources from Merrill and Bank of America to provide investment insights as well as banking and lending solutions. Choa’s areas of expertise include portfolio management services, individual and corporate investment strategies, and retirement income planning. He holds a Bachelor’s Degree from the University of Florida and maintains professional designations as a Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Committed to community involvement, Choa participates in local volunteer organizations and integrates this service-oriented philosophy into his client relationships. Outside of work, he enjoys baseball, biking, and golfing.

Mark Poitras is a financial advisor with LPL Financial in Anaheim, CA, holding a Series 66 credential and 24 years of industry experience. He has worked at LPL Financial since 2009, with prior roles at Chase Investment Services Corp., Wamu Investments, Inc., and Ameriprise. Outside his advisory work, he is involved in managing family-owned real estate rental properties. 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 advisory and brokerage services including financial planning and access to various investment programs, supported by technology tools and extensive operational resources.

Andrew Bailey is a financial advisor with RBC Capital Markets holding a Series 66 designation and 11 years of industry experience. He has worked at RBC Capital Markets since 2016 and at City National Bank since 2018. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Vivian Lo is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She has worked in the financial services industry since 2008, with prior roles including Financial Advisor at Merrill Lynch from 2014 to 2020 and Financial Planner at the Royal Bank of Canada from 2008 to 2013. Vivian focuses on building trusting client relationships and sharing key financial planning concepts. She assists clients in managing changes and provides ongoing guidance to develop personalized financial plans. She holds a California Insurance License.

Kyle Ergas is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on working closely with individuals and families to develop personalized financial strategies aimed at helping clients achieve their unique financial goals. His approach involves understanding each client's priorities and creating plans tailored to their specific situations. Kyle's expertise includes a range of financial services such as general investing, retirement planning, and savings strategies to prepare for unforeseen expenses. He works with clients to address concerns related to funding education, securing retirement income, and managing long-term financial objectives. He holds a Bachelor's Degree from San Jose State University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Patrick Chan is a Series 66-licensed financial advisor with 11 years of industry experience, currently with Wells Fargo Clearing since 2024. His prior experience includes roles at B. Riley Wealth Advisors, National Asset Management, Hold Bros. Capital, LLC, and Integra Technology Inc. Outside of his financial career, he is the sole owner of a long-term rental property in Long Beach, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party data to inform its diversified, modern portfolio theory-based investment approach.

Stephen Cho is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at LPL Financial since 2012 and previously spent five years at Edward Jones. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Maria Richards is a financial advisor with Primerica Advisors in Whittier, CA, holding Series 63 and Series 65 licenses and two years of industry experience. She has worked at PFS Investments Inc. since 2024 and Primerica Financial Services since 2023. Prior to her advisory roles, Richards has diverse experience including healthcare support work and homemaking. Primerica Advisors is an institutional firm sponsoring a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and offers discretionary portfolio management primarily for individual investors, managing approximately $15.5 billion in assets.

Claudia Ramirez is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 18 years of industry experience. She previously worked at Rockefeller Financial LLC and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning, portfolio management, and capital markets services supported by proprietary research and model-based asset allocations.

Jeanelle Medina is a CFP® and holds a Series 66 license. She has been with Charles Schwab since 2022 and has three years of industry experience. Prior to joining Schwab, she worked at Portfolio Insider and Instacart. Outside of her advisory role, she runs training camps for youth through the Los Angeles Dodgers Training Academy. Charles Schwab primarily serves high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering integrated brokerage, custody, and advisory services with a combination of non-discretionary and discretionary investment options.

Shawn Louis is a financial advisor with OSAIC based in Los Alamitos, CA, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He worked at National Planning Corporation for 14 years before joining OSAIC in 2017. Outside of his advisory role, he operates a sole proprietorship involved in fixed life insurance sales. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering services such as financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include various asset types, managing accounts on both a discretionary and non-discretionary basis.

Laura Martin is a Series 66-licensed financial advisor with 19 years of industry experience. She has worked at Morgan Stanley since 2010 in various capacities, including Morgan Stanley Smith Barney LLC and its Wealth Management division, and previously held roles at RBC Capital Markets, Deutsche Bank Securities, Merrill, and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Nathan Heath is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 18 years of industry experience. He previously worked at Merrill Lynch, Pierce, Fenner & Smith for 11 years before joining J.P. Morgan in 2018. Outside of his advisory role, Heath owns and operates In-Home Aromas, Inc., a weekend hobby business making organic candles. J.P. Morgan Securities 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 strategies.

David Rosson is a financial advisor at Merrill in Torrance, CA, holding the Series 66 designation. He has worked at Merrill and Bank of America since 2026 and previously held roles at Nuvision Credit Union, Wells Fargo, and US Bank. Outside of finance, he has been involved with Passion For The Pie since 2023. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Jeffrey Tiedge is a financial advisor with Raymond James & Associates in Brea, California, holding Series 65 and Series 63 licenses and bringing 37 years of industry experience. He previously worked at Wedbush Securities and Seacrest Wealth Management, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Connor Whalen is a financial advisor with UBS Financial Services in El Segundo, CA. He holds a Series 66 designation and has one year of industry experience. Prior to joining UBS, he worked at Tesla, F45 Training, and Adidas. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and offers services including financial planning, portfolio management, and capital markets activities.

Mia Celest Miranda is a Series 66-credentialed financial advisor with Morgan Stanley, based in Long Beach, CA. She has two years of industry experience and has been with Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. Prior to her financial services career, she held various positions including roles in education and retail. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs with a focus on tailored financial planning and manages approximately $2.74 trillion in client assets.

William Tien is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2012. Outside of his advisory role, he is a co-owner and landlord of rental property. 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 delivers advisory services alongside affiliated brokerage and investment management capabilities.

Ho Yan Tam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Outside of his advisory role, Tam is actively involved in managing several restaurant businesses in Claremont, CA, including serving as general manager and authorized signer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.