Serge Melkizian is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds the Series 66 designation and has been with Raymond James Financial Services Advisors, Inc. since 2013. Outside of his advisory work, he serves as the president of the board for the nonprofit Cancer Support Community Greater San Gabriel Valley. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through advisory programs and other providers.

Mindy Cutler is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. She began her career 25 years ago with Bank of America and has been with Merrill Lynch Wealth Management for the past 2.5 years. Mindy focuses on providing personalized wealth management strategies tailored to clients' unique financial goals and circumstances. Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, women and wealth, and retirement income. Mindy is a Personal Investment Advisor (PIA) and is fluent in English and Chinese. She attended Citrus College without obtaining a degree. Outside of her professional role, Mindy is involved with the Second Harvest Food Bank in Irvine, California. In her personal time, she enjoys cooking, baking, gardening, playing pickleball and tennis, and watching movies.

Binh Tran is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2013. Outside of his advisory role, he is a general partner managing an online succulent business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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® professional affiliated with LPL Financial, where she has worked for over 31 years and has 36 years of industry experience. She holds a Series 63 license and operates a DBA business under LPL focused on wealth and risk management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a notable scale of over 22,800 advisors and $819 billion in discretionary assets under management.

Kurt Chen is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. His prior experience includes roles at National Planning Corporation and Woodbury Financial Services, Inc. He is also president of Genuine Financial Services, a firm involved in life and fixed insurance products. 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 advanced operational tools and a broad financial services network.

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 19 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following a 17-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers investment and planning services without providing individual security recommendations as part of its standalone planning programs.

Alyson Stark is a financial advisor with LPL Financial in Claremont, CA, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Pearson and NEXT Trucking, and she briefly operated Stark Wealth Management. 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 broad range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Marciano Almeda is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He has held roles at Wells Fargo Bank, N.A., Wells Fargo Clearing, and J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services and financial planning, utilizing research and analytics to support diversified portfolios within both brokerage and advisory platforms.

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 at Wells Fargo Advisors with 24 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at firms including J.P. Morgan Securities, JPMorgan Chase Bank, and Franklin Resources prior to joining Wells Fargo. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, using proprietary research and tools to develop customized recommendations.

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 in La Habra, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at CUSO Financial Services, Wescom Financial Services, and Wescom Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Irma Bedoya is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at UBS Financial Services since 2010, with prior roles at UBS International Inc. and Banc of America Investment Services. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans that align with clients’ goals and risk tolerances.

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 at Primerica Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 1988. Outside of his advisory role, he serves as president of HPadilla, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors who utilize model-driven investment strategies managed by unaffiliated asset managers.

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.