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.

Spencer Zumbek is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior to joining Fidelity, his work history includes roles in the hospitality and food service sectors. He has also been involved with Doordash over several years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Celeste Despres Sheres is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Prior to that, she was with Citigroup Global Markets for 16 years. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. Their planning approach involves structured discovery and firm-approved tools to model outcomes, while clients are responsible for implementing and updating their plans.

Lily Lu is a CFP® practitioner at OSAIC with 27 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over 14 years. Outside of her advisory role, she provides fixed insurance products to clients. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through a large network of affiliated advisors, offering integrated brokerage and advisory services along with various managed account solutions. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary account management.

Andre Lee is a financial advisor at OSAIC holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cal State Fullerton University, Pasadena City College, Mister Car Wash, Colombo's Italian Restaurant, and the Evangelical Formosan Church of Alhambra. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs various asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client needs.

Jun Min Koh is a financial advisor at J.P. Morgan Securities LLC with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan affiliates since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a structured program that combines quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework and offers a broad range of products, including those accessed through its unique registrations as a security-based swap dealer and futures commission merchant.

Geoffrey Smith is a financial advisor at Edward Jones with one year of industry experience and holds a Series 66 designation. Prior to joining Edward Jones, he worked with San Gabriel Community Church for 15 years. Outside of his advisory role, he serves as an Assistant Project Manager for Surge Consultant Group, LLC, a business consulting firm in Pasadena, CA, where he participates in client research and intermittent film shoots. Edward Jones is a full-service wealth management firm serving individual and institutional clients across various segments. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and tax-efficient overlays within a fiduciary framework.

Jenny Choe is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at Vartan Grigoryan, Waddell & Reed, and Foresters Financial Services. 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 wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced operational and research tools.

Leslie Fong is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and 18 years of industry experience. Prior to joining Morgan Stanley in 2019, Leslie worked at Cantella & CO., Inc. and Merrill, with nine years at the latter. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Paige Wang is a Financial Consultant with experience in financial advising roles at TYWL Wealth Advisors, LLC and Signature Estate & Investment Advisors, LLC. She has worked as an Associate Advisor from 2021 to 2025, gaining expertise in providing financial guidance and support. Her approach to financial advising involves collaboration and attentive listening, aiming to help clients achieve clarity and confidence in their financial decisions. Paige holds a California Insurance License, which supports her work in the financial services field. Outside of her professional work, Paige has interests in fitness, football, gardening, hiking, pets, and traveling.

Juan Bermudez is a financial advisor with J.P. Morgan Securities in West Covina, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. His career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, BBVA Securities, Compass Bank, and Wells Fargo. He also operates X Bermudez LLC. 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 in recommending strategies.

Andrew Ochola is a Series 66 licensed financial advisor at J.P. Morgan Securities with four years of industry experience. His prior roles include positions at Sanford C. Bernstein & Co., LLC, the National Venture Capital Association, and Bloomberg L.P. 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 investment strategies.

Sandra Kassis is a Planning Consultant at Fidelity Investments. In her current role, she partners with advisors and their clients to provide personalized financial planning support, aiming to assist clients in navigating important financial decisions with clarity and confidence. She focuses on supporting clients as they work toward their long-term financial objectives through thoughtful planning and ongoing guidance. Sandra has been with Fidelity Investments since 2020, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Her experience encompasses various aspects of financial advising and client relationship management. She holds a California Insurance License, which supports her work in the financial services field.

John Campbell III is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors and Lone Eagle Wealth Services, which he owns. Campbell serves as a board member of the Pomona Valley Hospital Medical Center Foundation, participating on its Investment Sub-Committee. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and multiple advisory platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Cameron Azad is a financial advisor with UBS Financial Services in Pasadena, CA, holding a Series 63 designation and bringing 42 years of industry experience. He has been with UBS since 1989. Outside of his advisory role, he serves as an arbitrator on the National Futures Association arbitration panel. UBS Financial Services Inc. 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 utilizes proprietary research and model-based asset allocations to tailor client solutions.

Judi Washington is a financial advisor with UBS Financial Services in Pasadena, CA, holding a Series 66 designation and bringing 18 years of industry experience. She has been with UBS since 2015. Outside of her advisory role, she works as a travel and leisure travel consultant through word-of-mouth marketing and serves as an assistant proctor for notary exam applicants. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Rhandy Arzaga is a financial advisor with OSAIC who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has worked at Royal Alliance Associates, INC. since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. Outside of his advisory role, he provides administrative support for a financial and insurance services business focused on non-securities duties. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisors. The firm employs a range of advisory platforms and third-party solutions to offer integrated brokerage, investment advisory, financial planning, and managed account services.

Gustavo Estrada is a financial advisor with Fidelity, holding a Series 66 designation and 26 years of industry experience. He previously worked at J.P. Morgan Securities from 2012 to 2022 before joining Fidelity in 2022. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing multiple registered investment companies and developing model portfolios that incorporate systematic methodologies and long-term asset allocation benchmarks.

Virgil Salsman is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Pasadena, California. He specializes in providing customized advice and guidance to business owners and their employees, focusing on the design, enhancement, and administration of company-sponsored group retirement plans. His expertise spans defined benefit and defined contribution plans, including pension, cash balance, 401(k), 403(b), and profit-sharing plans, as well as executive compensation and employee benefit programs. Drawing from extensive experience, Virgil helps business owners mitigate fiduciary risk, supports employee education and motivation for retirement readiness, and offers wealth management guidance with a multidisciplinary approach. His services also include non-qualified deferred compensation plans and business succession planning for multigenerational or employee-purchase strategies. Virgil's team aims to provide end-to-end solutions that address the varied financial needs of plan sponsors and employees. Virgil holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his High School Diploma from Northview High School and attended Citrus College without obtaining a degree. Outside of work, he enjoys spending time with family, biking, boating, camping, golfing, hiking, tennis, traveling, and woodworking.