Justin Harmier is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Placentia, CA. He has 19 years of industry experience, including over a decade at Wells Fargo Clearing and a prior year at Wells Fargo Advisors, LLC. 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 offers a broad range of brokerage and advisory solutions.

Paul Wu is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. 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.

Rene Ventura is a Planning Consultant at Fidelity Investments, where he works with clients and their Wealth Management teams to create and implement comprehensive financial plans tailored to individual financial needs. He has served in this role since 2025. Prior to joining Fidelity, Rene was a Senior Branch Premier Banker at Wells Fargo Bank, N.A. from 2012 to 2024, gaining extensive experience in banking and financial services. Rene holds a California Insurance License, supporting his ability to address various aspects of financial planning. Outside of his professional responsibilities, he spends time engaged in family activities, social events with friends, golf, movies, parenthood, and soccer.

Jeffrey Malaterre is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including ABN Financial Group and Bankers Life and Casualty. Outside of his financial career, he has written a book. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Veronica Pfohlman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. She has been with Primerica Advisors since 2025 and has a background that includes roles in education and tax preparation. Outside of her advisory work, she has experience in educational and tutoring services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee its investment offerings.

Santiago Arreola Marcial is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill since 2018 and previously held positions at Instacart and Farmers and Merchants Bank of Central California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Bevan Poyyak is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior experience at JPMorgan Chase Bank and Partners Federal Credit Union. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicolas Alamillo is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He collaborates with individuals to develop customized financial plans tailored to their unique situations and goals. His work focuses on retirement planning, income strategies, and tax-efficient investing. Nicolas has accumulated experience within Fidelity Investments through various roles, including Investment Consultant (2025-2026), Planning Consultant (2022-2025), and Relationship Manager (2021-2022). He holds a California Insurance License.

Steven Delpino is a financial advisor at Edelman Financial Engines in Anaheim, CA, holding Series 63 and Series 65 licenses with three years of industry experience. His prior experience includes roles at Lyft, Inc. and The Vanguard Group, Inc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven proprietary modeling with planner delivery and online tools, offering both discretionary and non-discretionary investment options across diversified portfolios with long-term orientations.

Tim Chu is a Financial Consultant at Fidelity Investments, where he currently focuses on Wealth Planning, including Investment Strategies, Retirement Planning, and Income Planning. He aims to guide clients in discovering ways Fidelity can support them and their families in achieving their financial goals. Tim has held several roles at Fidelity Investments, progressing from Investment Solutions Representative (2021-2022) to Workplace Planning Consultant (2022-2023), Planning Consultant (2023-2024), and currently Financial Consultant since 2024. Prior to Fidelity, he worked as an Annuity & Life Insurance Specialist at Auto Club of Southern California (2020-2021), and as a Financial Advisor at JPMorgan Chase & Co (2009-2010) and Metlife (2006-2008). He holds a California Insurance License.

Joseph Klahorst is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently with Cetera and has held positions at First Allied Advisory Services and First Allied Securities. In addition to his advisory work, he owns Golden Hills Investment Advisors. Cetera Investment Advisers LLC serves a broad client base including 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 with discretionary and non-discretionary accounts.

Keith Carr is a Financial Consultant I at Fidelity Investments, where he focuses on understanding the needs of clients and their families to develop aligned financial plans. He has been with Fidelity Investments since 2021, initially serving as a Planning Consultant before assuming his current role in 2026. Prior to joining Fidelity, Keith worked as a Premier Banker at Wells Fargo from 2008 to 2021. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, Keith has personal interests that include attending concerts, fishing, football, golf, music, and outdoor adventures.

Jonathon Gonzales is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of his advisory role, he owns an LLC that holds title for a vessel. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Erin Goodrich is a Wealth Management Advisor at Merrill Lynch Wealth Management who works primarily with business owners and their families. She helps clients understand the integration of their business and personal finances, especially in complex or interconnected financial decisions. Erin's expertise includes investments, banking and lending, cash flow planning, tax-aware strategies, and evaluating business investment decisions. She collaborates closely with clients' CPAs, attorneys, and other advisors to align financial strategies with clients' goals. She holds a Master of Science in Financial Planning from the College for Financial Planning and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor® (CEPA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Erin is experienced in assisting business clients through all stages of business ownership, focusing on planning for business succession and estate strategies. Outside of her professional work, Erin is involved with community organizations such as the Cal State Fullerton Children's Center, Epilepsy Connection, Friends of Joshua Tree, and Girl Scouts of Orange County. Her personal interests include camping, cooking, hiking, painting, photography, reading, rock climbing, spending time with family, and writing.

Joseph Trabert is a financial advisor with Osaic Wealth, Inc. based in Corona, California. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Osaic in 2024, he spent 16 years at Securities America, Inc. and has been president of Kei Financial, an insurance sales business, since 1999. As part of his practice, he conducts risk analyses of clients’ insurance coverage to identify and address potential exposures. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing a variety of tools and third-party resources to construct diversified portfolios tailored to client needs.

John Lentz is a financial advisor with Morgan Stanley in Santa Ana, CA, holding a Series 63 designation and bringing 60 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individuals and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Nicolas Culver is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan entities since 2014. Outside of his advisory role, he is involved with The Culver Trust. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering non-discretionary recommendations supported by an in-house manager solutions team and a centralized due diligence framework.

Trenton Hinely is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior work experience including roles at Public Legacy, Hurley, and Cavalry Ambulance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides various advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Daniel Ketchum is a financial advisor with Raymond James Financial in Santa Ana, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Raymond James Financial Services since 2004. Ketchum also participates in third-party research within the 401(k) plan space through occasional surveys for financial services firms. 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, and institutional clients. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports various advisory programs and institutional portfolio management.