Thomas Hays Jr. is a Financial Advisor at Merrill Lynch Wealth Management based in Pasadena, California. He specializes in retirement planning and retirement income, working with individuals and families approaching retirement to help them understand how their investments, retirement accounts, cash flow, workplace benefits, and other financial priorities fit together. Thomas focuses particularly on serving healthcare professionals throughout Southern California, while also working with clients from various professions and backgrounds. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Thomas earned a Bachelor's Degree from Chapman University and a High School Diploma from Loyola High School. His approach emphasizes assisting clients in transitioning from accumulating wealth to utilizing their financial resources to support their retirement goals and lifestyle. Outside of his professional work, Thomas enjoys golfing, reading, and tennis. He is committed to providing financial planning that prioritizes his clients' interests and maintaining ethical standards, viewing his client relationships as personal and familial.

Terence Lo is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Wells Fargo entities since 2001. Outside of his advisory role, he maintains a real estate license in California. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services. The firm provides tailored recommendations using proprietary research and planning tools, covering diverse planning needs including retirement, education, and niche areas such as business-owner transition and special-needs analysis.

Helmut Garcia is a financial advisor with LPL Financial in Pasadena, CA, holding Series 63 and Series 66 credentials and 15 years of industry experience. His prior roles include positions at CUSO Financial Services, Wescom Financial Services, MassMutual Life Insurance Company, and other firms dating back to 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by a national network of over 22,800 advisors.

Victor Truong is a Series 66 licensed advisor with J.P. Morgan Securities, based in West Covina, CA, and has nine years of industry experience. He has worked at Merrill, Axa Advisors, and Bank of America before joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2018. Outside of his advisory role, Victor owns and operates a doggy day care business on weekends. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm's non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that may incorporate ESG criteria.

Josiah Ball is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Western International Securities, Cambridge Investment Research Advisors, and SagePoint Financial, among others. He also serves as a non-variable insurance agent for Sphera Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, providing a range of financial planning, portfolio management, and institutional platforms.

Kristin Hundley is a financial advisor with Morgan Stanley Wealth Management in San Gabriel, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney and Morgan Stanley Services Group since 2009. Outside of her advisory role, she works as a Notary Signing Agent. Morgan Stanley Wealth Management is a firm serving both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including scenario modeling and long-term return estimates.

Yuha Elsa Tse is a financial advisor at Cetera with 18 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at Charles Schwab and several firms affiliated with Avantax and Transglobal. Outside of her advisory role, she provides homestay services for an international student through APEX International Education Partners. Cetera Investment Advisers LLC is a national SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including third-party money managers and bespoke strategies, supported by over 10,000 advisors and $256 billion in assets under management.

Elizabeth Jensen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens, qualitative research, and ESG considerations to develop model asset allocations, with implementation supported by affiliated investment-management entities.

Michael Neuman is a financial advisor with Wells Fargo Clearing based in Pasadena, CA. He holds Series 63 and Series 65 licenses and has 24 years of industry experience. His prior roles include positions at Chase Investment Services Corp. and Wamu Investments, Inc. 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 both brokerage and advisory solutions relying on research from Wells Fargo Investment Institute and third-party sources.

Anthony Hemawarman is a financial advisor with J.P. Morgan Securities in Pasadena, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. His prior roles include positions at Citigroup and Wells Fargo, in addition to earlier work at JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program. The firm's advisory process combines quantitative screening with qualitative research and includes broader derivatives and commodities capabilities.

Shih Yi Chen is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2025, Chen worked at BNP Paribas for nine years and has had roles in homemaking and at Yama Seiki USA Inc. outside the financial sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs with a structured financial planning process that incorporates firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Sure Oeng is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to his current role, he held positions at AD.IQ, The Container Store, Anteater Television, and Hotel Irvine. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with a focus on multi-asset model portfolios and both non-discretionary and discretionary investment options.

Philip Peng is a financial advisor at Wells Fargo Advisors in Pasadena, CA, with seven years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and United Healthcare. Wells Fargo Advisors provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm uses proprietary research and planning tools to develop tailored recommendations delivered through both meetings and written summaries.

Vincent Daigneault is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and at Morgan Stanley since 2009, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Kevin Gotts is a CFP® professional with 36 years of industry experience, currently affiliated with LPL Financial since 2021. His prior experience includes roles at Securities America Advisors and National Planning Corporation. In addition to his advisory work, he teaches at California State University, Fullerton. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing model portfolios, third-party subadvisors, and customized strategies with a focus on both advisory and non-advisory services.

Kent Chung is a financial advisor with J.P. Morgan Securities in Monrovia, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, with prior experience at U.S. Bancorp Investments, Inc., Chase Investment Services Corp., and Wamu Investments, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and broader derivatives capabilities.

William Murray is a financial advisor at Edward Jones with 33 years of industry experience, including 32 years at Edward Jones. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he owns residential rental properties occupied by family members. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

Cynthia Tung 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 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation with a range of financial planning and portfolio management services. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, offering institutional trading capabilities alongside wealth management.

Jorge Torres is a financial advisor with J.P. Morgan Securities in Whittier, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at J.P. Morgan Securities since 2013, following roles at Chase Investment Services Corp. and Wamu Investments, Inc. Outside of his advisory work, he is involved in real estate ownership and management in several locations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by both quantitative and qualitative due diligence, with recommendations limited to eligible strategies.

Christiaan Strong is an Investment Consultant at Fidelity Investments, a role he has held since 2024. Prior to this position, he served as a Wealth Management Senior Relationship Manager from 2022 to 2024, a Wealth Management Planning Consultant from 2019 to 2022, and a Financial Representative from 2017 to 2019, all within Fidelity Investments. In his career, Christiaan focuses on understanding clients' financial needs and goals to develop tailored financial plans. He emphasizes educating and guiding clients to help them make informed decisions and implement plans they feel comfortable with. Christiaan holds a California Insurance License. Outside of his professional responsibilities, he enjoys cooking, baking, hiking, and traveling.