Phillip Lehman is a financial advisor at Merrill with nine years of experience in the industry. He holds a Series 66 designation and has worked at Merrill since 2017. His prior experience includes roles at Advanced Energy Solutions and Bank of America, N.A. 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 offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tiffany Wenzel is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank NA, US Bancorp Investments Inc, and JPMorgan Securities LLC. Outside of finance, she was involved in a personal business venture, T Wenzel Beauty, LLC, from 2018 to 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

Gerald Minter is a financial professional with Cetera, holding a Series 63 designation and over 44 years of industry experience. He has been with Cetera and its affiliated entities in various capacities since 2012. Outside of his advisory work, he participates in a community role acting as Santa Claus at Montrose Shopping Park. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts nationwide. The firm operates a multi-manager platform offering a range of portfolio management and financial planning services, supporting discretionary and non-discretionary investment approaches.

Angelica Estrada is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2015. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shujuan Yan is a financial advisor at Ameriprise with 10 years of industry experience, including six years at Edward Jones and four years at Ameriprise. She holds a Series 66 designation. Outside of advisory work, she is involved in independent insurance brokering. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Joon Kim is a financial advisor with Charles Schwab in Pasadena, CA, holding a Series 66 designation and 15 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab since 2022 and was previously with TD Ameritrade Inc. from 2012 to 2022. 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 with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research and a formal alternative-investment process.

Yuran Liu is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to Merrill, they worked at Cathay Bank and Bank of America, N.A. Liu also serves as a California Notary Public, providing notary services since 2019. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary strategies developed by internal and third-party managers for a range of individual and institutional clients.

Frank Lee is a CFA® charterholder with 10 years of industry experience, currently serving as a Wealth Advisor at J.P. Morgan Securities in Pasadena, CA. His career includes over 16 years at Payden & Rygel and two years at Miracle Mile Advisors, LLC. He is also a board member of the Foundation for the Los Angeles Community Colleges, a nonprofit organization supporting higher education initiatives. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and employing an ESG eligibility framework in its investment recommendations.

Arthur Chen is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 29 years of industry experience. His career includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Company, and Western and Southern Life. Outside of his advisory work, he is a co-owner of a rental property managed by a third party. Mass Mutual Investors Services 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 collaborative, annual planning engagements using firm-approved software and delivers written recommendations without investment discretion.

Ryan O'Keefe is a financial advisor with Ameriprise in Los Angeles, CA, holding a Series 66 designation and 15 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2010 and is also involved in hospitality operations through a catering and event support role outside of his advisory work. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver non-discretionary recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.

Robert Baraga is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2003 and 2005, respectively. Charles Schwab & Co., Inc. serves 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized custody, and a formal alternative-investment onboarding process.

Christopher Consolo is a CFP® with eight years of industry experience, currently serving as a financial advisor at Ameriprise in Glendora, CA. He has been with Ameriprise and its affiliated entities since 2016. Outside of his advisory role, he is a co-owner of JM Frederich Group, Inc., where he manages an Ameriprise business, and he has provided funding for a retail venture involving sports jerseys. Ameriprise is a large institutional firm offering a retirement-income planning service targeting clients with substantial investable assets. Its approach includes tailored, non-discretionary recommendations supported by algorithmic tools and comprehensive planning strategies, delivered through a centralized retirement-income consulting team in collaboration with client advisors.

Dana Go is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 26 years of industry experience. Prior to joining LPL Financial in 2022, Dana worked at Securities America, Inc. and Credit Union of Southern California, among other firms. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Jennifer Schroer is a financial advisor with Merrill in Pasadena, CA, holding a Series 66 designation and 4 years of industry experience. She has been with Merrill since 2004. Outside of her advisory role, she is also a children’s book author, receiving royalties for her published work. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

John Andraos is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 66 licenses and having 32 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he serves as CEO and general agent of Southwestern Financial Network and Insurance Services, an insurance agency soliciting auto, workers' compensation, business liability insurance, fixed annuities, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside research from LPL Research and third-party subadvisors.

Jaime Trujillo Garcia is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2022, following a 12-year tenure at Bank of America. 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.

Wendy Behner is a financial advisor with Wells Fargo Advisors in Pasadena, CA, holding a CFP® designation and Series 63 and 65 licenses. She has 36 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. 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 and uses proprietary research and tools to develop tailored recommendations.

Edward Hawrylo is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Bank of America and Merrill for the past 15 years. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Lee is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and previously worked as a self-employed advisor for seven years. He is based in Pasadena, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based 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 investment strategies.

Leticia Miramontes is a Series 66–licensed financial advisor at Merrill with 21 years of industry experience. She previously worked at Morgan Stanley for nine years before joining Merrill. 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 plans, corporations, and charitable organizations.