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 with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2009. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 these services on a non-discretionary basis, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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 at LPL Financial with 10 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Vartan Grigoryan, Waddell & Reed, and Foresters Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

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 66 and Series 63 credentials and having nine years of industry experience. His career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, BBVA Securities Inc., Compass Bank, Wells Fargo Clearing, and Wells Fargo Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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.

Jacob Meis is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 66 designation and bringing 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, BancWest Investment Services, Bank of the West, Global Financial Data, and Scottrade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Matthew Phillips is a financial advisor at Cetera with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Cetera since 2021, following prior roles at Trilogy Capital, National Planning Corporation, and Trilogy Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of advisors and employs a multi-manager platform with various program options and tools.

Steve Chen is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2014, with prior roles at East West Bank and Cathay Bank. Outside of his financial career, he assists as a Den Leader for the Boy Scouts of America. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Sophie Johnson is a Financial Solutions Advisor at Merrill, part of Merrill Lynch Wealth Management. She holds the Personal Investment Advisor (PIA) designation and a bachelor's degree from San Diego State University. In her role, Sophie takes the time to understand what is important to her clients and helps develop strategies to pursue their short-, mid-, and long-term financial goals. Her expertise includes general investing, retirement planning, and saving for unexpected expenses. Sophie serves as a resource for a range of financial needs and can connect clients with Bank of America specialists for additional banking, credit, home financing, and small business solutions. She works closely with clients to discuss their goals and provide ongoing advice as their needs change. Outside of her professional work, Sophie is involved in community organizations including AYSO and the Sierra Madre Women's Club.