John Chou is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their unique ambitions and develop personalized financial strategies to address their short-, mid-, and long-term goals. His services encompass a wide range of areas including family wealth management, institutional investment consulting, philanthropic planning, retirement income, and small business strategies. John also provides access to specialists in banking, credit, home financing, and small business solutions through Bank of America. John holds a Bachelor's Degree from the California State University System and a Master of Business Administration (MBA) from the University of Southern California. He is a Personal Investment Advisor (PIA) and is registered under NMLS#2466564. In addition to his professional work, John serves as a City Council Member for the City of San Marino. Outside of his professional and community roles, John enjoys golfing, hiking, and spending time with his family.

Mellessia Gent is a financial advisor with Cetera holding Series 63 and Series 65 licenses and has 34 years of industry experience. She has been with Cetera and Cetera Wealth Services, LLC since 2013. Outside of her advisory work, she serves as a notary public and provides in-home care services through the Department of Public Social Services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm offers portfolio management, financial planning, and retirement services to a diverse client base including individuals, employer-sponsored plans, and institutional accounts.

Henry Nielsen is a financial advisor with Primerica Advisors based in Torrance, CA. He holds Series 65 and Series 63 licenses and has four years of industry experience. His prior work history includes positions at PFS Investments Inc. and the United States Postal Service. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with approximately 3,698 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies created by unaffiliated asset managers.

John Arensdorf is a CFP® professional with 37 years of experience in the financial services industry. He is currently with Wells Fargo Advisors and has held prior roles within Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is the owner of Arensdorf and Associates, LLC, an investment-related business based in El Segundo, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options supported by proprietary research and tools, delivering tailored recommendations that clients may implement through various brokerage and advisory programs.

Jennifer Wolfslau is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked in various roles at Morgan Stanley entities since 2016. Her background includes a year at the Segerstrom Center for the Arts and four years at Chapman University. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment modeling techniques in its planning process, providing advisory services without individual security recommendations as part of standalone plans.

Kiley Schmit is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. She has worked at Charles Schwab since 2007, including 15 years at Charles Schwab Bank, SSB. 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 offers a blend of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Khaled Younes is a financial advisor with Morgan Stanley in Long Beach, CA. He holds a Series 66 credential and has been in the industry since 2025. His prior work experience includes roles at the City of La Habra and Kay Jewelers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services ranging from retail and institutional offerings to private funds and principal trading activities.

Paul Pitchess is a financial advisor with Cetera in El Segundo, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at Avantax Investment Services, INC. for 12 years and has been involved with his own tax preparation and accounting business, Pitchess & Pitchess, LLP, since 2005. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via a multi-manager platform, with over $256 billion in assets under management and more than 10,000 advisors.

Erika Puzik is a CFP® and ChFC® with 28 years of experience in the financial services industry. She has been with Ameriprise since 1998, currently serving as an advisor at the firm. Outside of her advisory role, she owns Silicon Beach Services, Inc., a consulting business, and is involved in independent health insurance brokering. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and annual planning focused on dependable income sources and tax-aware withdrawal strategies.

Josiah Wilson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His work history includes roles at JPMorgan Chase Bank, Morgan Stanley, and Primerica. Outside of finance, he has experience working in the food service industry and education. J.P. Morgan Securities 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 and investment management capabilities, delivering recommendations on a non-discretionary basis.

Dylan Bright is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior work history with SCRE Financing Corp, where he originated loans, and Fidelity Bancorp Funding. In addition to his advisory role, he is licensed as an insurance producer to provide life insurance options for financial planning clients. OSAIC serves a broad range of retail and institutional clients, including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction through asset-allocation tools and third-party managed-account solutions.

Austin Kennedy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2011 to 2016. Outside of his advisory role, he is an author of a fictional adventure book titled *The Wendals*. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Benjamin Angotti is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to his advisory role, he held positions at Chapman University and Coach, among other organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and scenario modeling.

Eric Calderon is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and four years of industry experience. His career includes roles within various divisions of Wells Fargo since 2018 and prior academic positions at the University of California, Riverside. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, with a focus on discrete planning engagements across various specialized areas.

Ryan Fisher is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management and Fidelity Brokerage Services. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored financial planning agreements.

Byron Holmes is a financial advisor at Ameriprise with 29 years of industry experience. He holds the Series 63 designation and has been with Ameriprise since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Richard Gilliland Jr. is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with LPL Financial, where he has worked since 2025, following a 26-year tenure at Western International Securities, Inc. Outside of his advisory role, he is also a licensed non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker‑dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options, supported by extensive research and a variety of investment strategies.

George Harros is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He previously worked at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

Chase Johnson is a financial advisor with Ameriprise in Los Angeles, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked with Pacific Crest Consultants and has a background that includes roles outside finance, such as co-owning a personal driver business and working as an Uber driver. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that utilizes a centralized team to provide non-discretionary, tax-aware recommendations focused on dependable income sources.

Steven Lott is a financial advisor with Merrill in Torrance, CA. He holds a Series 66 designation and has five years of industry experience. His background includes roles at Bank of America, N.A., where he has worked since 2019, as well as a brief position at Anda's Wellness in 2019. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.