Brian Lee is a CFP® and ChFC® with 30 years of industry experience, currently serving at Mass Mutual Investors Services in Pasadena, CA. He has been with MML Investors Services Inc. and Mass Mutual Life Insurance since 2002. MML 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 offers a range of programs including wrap accounts, money-manager options, and educational seminars, emphasizing collaborative, goal-oriented planning engagements.

Jorge Chavez Jr. is a financial advisor with Merrill in Whittier, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. His work history includes roles at Bank of America, J.P. Morgan Securities, and JPMorgan Chase bank. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Cindy Havenhill is a CFP®-designated financial advisor with LPL Financial, based in Brea, CA, and has 36 years of industry experience, including over 31 years at LPL Financial. Her background includes operating businesses related to wealth and risk management under her own name, serving clients within the LPL framework. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Kurt Chen is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at National Planning Corporation from 2014 to 2017. Chen serves as president of Genuine Financial Services, a non-variable insurance business offering life and fixed insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Alan Nakamura is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm for over three decades, providing clients with customized financial counseling tailored to their individual goals, needs, and risk tolerance. Alan's approach focuses on client goal-oriented asset management, and he specializes in areas including college education planning, family wealth management strategies, portfolio management services, small business strategies, and retirement income. Alan holds a Bachelor's Degree from San Diego State University and a Master of Business Administration from Indiana Wesleyan University. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His commitment to service extends beyond his professional role; Alan serves on the boards of Forest Home Christian Camp and OC United and is part of the leadership team of the Merrill Christian Focus Group. Previously, he served as an elder at his local church. Residing in Yorba Linda with his wife Sharon, Alan enjoys spending time with their four children and three grandchildren. His personal interests include golfing, soccer, and traveling.

Diana Shoemaker is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and offers services including tailored estate planning and employer-based financial plans.

Alyson Stark is a financial advisor at LPL Financial with five years of industry experience. She holds a Series 66 designation and has previously worked at Pearson and NEXT Trucking. Stark also operated Stark Wealth Management briefly in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research from LPL Research and third-party subadvisors.

Marciano Almeda is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His work history includes multiple roles at Wells Fargo Bank, N.A. and Wells Fargo Clearing, as well as positions at J.P. Morgan Securities and JPMorgan Chase Bank. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Javier Valenzuela is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 credentials. He has 21 years of industry experience, including prior roles at Centaurus Financial, Inc. His outside activities include serving as president of Concourse Financial Group and First Protective Insurance Group, as well as working as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent financial professionals, offering a range of customizable investment solutions across multiple platforms.

Robert Gonzalez is a financial advisor with Wells Fargo Advisors in Pasadena, CA, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Franklin Resources, where he worked for 15 years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with recommendations delivered through meetings and client summary letters.

Gary Hall is a financial advisor with Charles Schwab in Brea, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Charles Schwab since 2013 and with Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Pamela Villarreal is a CFP® with 21 years of industry experience, currently serving at Cetera since 2025. She previously worked at Avantax Advisory Services and its related entities from 2011 to 2025, and she has operated Pamela Villarreal Consulting since 1992. Besides her advisory work, she owns and operates Pamela Villarreal & Associates, providing tax preparation and business consulting services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to a range of portfolio management options, model portfolios, and third-party managers.

Philip Rubia is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. His prior roles include positions at Wescom Financial Services, Wescom Credit Union, and CUSO Financial Services. 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 range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Irma Bedoya is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held her current position at UBS since 2010 and holds Series 63 and Series 66 designations. 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 and provides a broad range of capital markets and research resources.

Yu Tung Lin is a financial advisor at Morgan Stanley with a Series 66 designation and no prior industry experience. Before joining Morgan Stanley in 2024, Lin held roles at Zeczec, Appier, and was a backer-founder of a startup from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s process employs structured discovery and planning tools to model outcomes, while clients are responsible for plan implementation and updates.

Herbert Padilla is a financial advisor with Primerica Advisors in Montebello, CA, holding Series 63 and Series 65 licenses and having 37 years of industry experience. He has worked with Primerica Advisors since 1988 and with Primerica Financial Services since 1987. Outside of his advisory role, he serves as president of HPadilla, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and select separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its advisory services.

Sharon Vandenbroek is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Andrew Schroeder is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. Prior to this role, he worked as a Financial Advisor at Ameriprise Financial Services, Inc. from 2015 to 2018. His professional focus includes building long-term client relationships based on trust and understanding each client's unique priorities. Andrew's approach involves providing personalized financial guidance and planning support tailored to clients' evolving goals, financial complexities, and individual risk tolerance. He emphasizes offering a disciplined and thoughtful perspective to help clients navigate financial decisions through changing market environments. Andrew holds a California Insurance License.

Rain Qin is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Rain worked at Bank of America from 2018 to 2022 and East West Bank from 2012 to 2018. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Celeste Despres Sheres is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Prior to that, she was with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools, serving clients through both direct and corporate financial planning agreements.