Ty Ospring is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC and Capital Resources since 2020. His background also includes roles at Costco and Compulocks Brands, as well as experience at Cal State Fullerton University. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs asset-allocation tools, risk-assessment questionnaires, and automated rebalancing to create diversified portfolios across various asset classes.

John Elliott is a financial advisor with J.P. Morgan Securities in Huntington Beach, CA, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Morgan Stanley for two years. Outside of finance, he has experience in the food service industry, including roles at Domino's Pizza and In-N-Out. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

James Hass is a financial advisor at LPL Financial in Irvine, CA, holding a Series 66 designation with seven years of industry experience. His prior work includes roles at Edward Jones and ADP Totalsource Group Inc. He is also involved as a non-variable insurance agent with Mopal Ventures LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and technology-driven investment solutions.

Mark Rooney is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63 and Series 65 credentials and 52 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Rooney serves as a board member and nomination committee member of The American College Board of Trustees and is active in his local community as a homeowner association board member. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and nonprofits, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and other endorsed platforms to deliver advisory and brokerage solutions.

Yun Bai is a financial advisor at Cetera with seven years of industry experience. Bai holds Series 63 and Series 66 licenses and has worked previously at institutions including Citigroup, UBS Financial Services, Wells Fargo, HSBC, J.P. Morgan, and Bank of America. Bai is based in City of Industry, California. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with access to affiliated and third-party strategies.

Kevin Paquet is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously held roles at JPMorgan Chase Bank NA and JP Morgan Securities LLC from 2012 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with an advisory process grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Frederick Chang is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and previously worked at Pacific Life Insurance Company for ten years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios using systematic methodologies and serves as an advisor to multiple registered investment companies and fund-of-funds.

Lacey Rivello is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 credential and two years of industry experience. Prior to joining Ameriprise, she worked in personal training at F45 and had roles at Lululemon, Naturalena, and TruBru Organic Coffee. Outside of her advisory duties, she continues to work as a personal trainer for group fitness classes. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides annual planning advice and written Recommendation Reports focused on dependable income and tax-aware withdrawal strategies.

Khoi Nguyen is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments in 2024 and as a Financial Advisor at Edward Jones from 2023 to 2024. His financial services career also includes positions at JPMorgan Chase & Co., Morgan Stanley, and Northwestern Mutual Insurance Company. Nguyen holds a California Insurance License. He focuses on developing strong relationships with clients, assisting them in aligning their finances with their personal goals to create tailored financial plans. His approach emphasizes prioritizing clients' needs, wants, and wishes to help them find confidence and balance in their financial journey. Outside of his professional life, Nguyen enjoys boating, family activities, fitness, food, hiking, and photography.

Jonathan Izquierdo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Wells Fargo, and positions in higher education. 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.

Mark Powell is a financial advisor with LPL Financial in Orange, CA, holding a Series 66 credential and 20 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he streams on Twitch and has participated in game testing for Microsoft. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, and other organizations. The firm offers a range of advisory programs, financial planning services, and utilizes research-supported model portfolios and advanced technologies in its investment management.

Pengnian Chu is a CFP® professional with 21 years of experience in the financial services industry. He has worked at LPL Financial since 2021 and previously spent 16 years with Waddell & Reed Inc and various insurance carriers. 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 financial planning, advisory programs, retirement consulting, and brokerage services, offering both discretionary and non-discretionary management supported by a range of model portfolios and research resources.

Bryan Peterson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo, he worked at Merrill for several years and has a background in engineering and manufacturing. He serves as a successor trustee for a family revocable living trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory.

Michael Murphy is a financial advisor with OSAIC in Cypress, California, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. Prior to joining OSAIC in 2024, he worked with Linsco/Private Ledger Corp. He is a partner in the CPA firm Murphy, Murphy & Murphy and serves on the boards of several nonprofit organizations, including the Haynes Fund and Orange Catholic Foundation. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, and corporations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm uses asset-allocation tools and automated rebalancing to manage portfolios with a range of investment products and supports various third-party managed-account solutions.

Kristi Bae is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2009. J.P. Morgan Securities LLC provides institutional consulting services to 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 institutional advisory operations with brokerage and investment management capabilities.

Connor Mellema is Vice President and Financial Consultant at Fidelity Investments, where he partners with high net worth clients to develop comprehensive wealth strategies aimed at achieving their financial goals. He has held various roles at Fidelity Investments since 2021, including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Connor worked as an Analyst at Harvey & Company in 2021. Connor holds a California Insurance License, supporting his expertise in financial planning and investment consulting. Outside of his professional career, he enjoys fishing, skiing, surfing, swimming, traveling, and participating in social events with friends.

Hannah Etherson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has been with Merrill since 2019 and previously worked for eight years at Train Insane Gym. 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Redjaian is a financial advisor with Fidelity Investments and holds a Series 66 designation. He has one year of industry experience and has been with Fidelity since 2023. Prior to his advisory role, his background includes work in the fitness industry, university employment, and food service. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing investments across mutual funds, ETFs, and ETPs.

Rajkumar Motwani is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments, Principal Life Insurance Company, and Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Robert Conlisk is a financial advisor with Mass Mutual Investors Services in Newport Beach, CA, holding a Series 66 designation and 26 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2001. In addition to his advisory role, he is also licensed as a life and health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, goal-based planning without investment discretion.