Kevin Cai is a financial advisor with Charles Schwab who holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Morgan Stanley and Charles Schwab Bank, SSB. He has also worked in technology and education sectors, including a position at Clarissa.ai and teaching at The King's Academy. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers multi-asset model portfolios alongside alternative investment offerings.

Yaopa Cheng is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Wells Fargo in 2023, Cheng worked at J.P. Morgan Securities, Citigroup, VincentBenjamin, Transamerica Financial Advisors, and World Financial Group. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

Robert Coe is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, where he spent a combined 14 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary plan-level investment management and a broader set of financial products than typical institutional advisers.

Aaron Kuo is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and beginning his career in 2026. His prior work includes roles at Nutanix and UC Irvine, as well as freelance work on Upwork. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to provide written recommendations within collaborative, annual planning engagements.

Michael Neeley is a financial advisor with Cetera in Glendora, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Voya Financial Advisors and Transamerica Financial Advisors. Outside of advising, he is a freelance musician, serves as a board member for a nonprofit organization, and owns a consulting business providing CFO services to companies without full-time CFOs. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers, operating a multi-manager platform that supports diverse investment strategies.

Artono Budhiman is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at WELLS FARGO Advisors, LLC from 2012 to 2016. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Robert Hom is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His prior roles include positions at Warner Pacific Insurance Services, Prudential Insurance Company of America, and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products, supported by an integrated platform combining advisory services with insurance sales and lending programs.

Bailey Harrison is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 credential and two years of industry experience. Prior to his current role, he has worked in media and investigative consulting, including positions at Fox News Media and USC Annenberg. Outside of finance, he is involved with Peak Models and Talent, a modeling agency where he acts as a fit model. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and modeling tools to help outline financial outcomes, serving a broad range of clients through its diverse retail and institutional offerings.

Christopher Andrews is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Merrill since 2009, having a concurrent affiliation with Bank of America since 1997. 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.

Timothy Johnson is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Cetera. He has been with Cetera and its affiliated entities since 2013. Outside of advisory work, he is licensed as a life insurance agent. Cetera Investment Advisers LLC provides a broad range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering access to affiliated and unaffiliated managers, with various program structures and custodial relationships.

Jason Hughley is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked at Cetera since 2019 and previously spent 10 years with Foresters Financial Services. Outside of his advisory role, he provides educational seminars as a retirement specialist and serves as a team-based model consultant. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a wide range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and third-party managers.

Ricardo Ortiz is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 12 years of industry experience. He previously worked at PFS Investments Inc. for 11 years and has been affiliated with Primerica Financial Services since 2008. His other business activities include the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.

Ken Park is a Wealth Management Advisor with Merrill Lynch Wealth Management. He emphasizes a disciplined approach that begins with understanding each client's unique needs, concerns, and priorities. Ken holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification, the CHARTERED FINANCIAL CONSULTANT (ChFC) designation, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Virginia. His professional philosophy centers on connecting all aspects of a client's financial life to help prioritize and pursue their most important goals.

Christopher Laubach is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves as a director and treasurer on a nonprofit board. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, primarily for clients with Ameriprise-managed accounts.

Lusine Budagyan is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank since 2006, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory role, she provides in-home health care services in Glendale, CA. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, delivering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored solutions.

Howard Doan is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, following five years at UBS Financial Services. Outside of his advisory role, he is an owner of Acorn Lodging Partners LLC, a lodging-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory and brokerage arrangements.

Ming Tam is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Bank of America and Merrill since 2018 and previously was with Rogerson Kratos. 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 institutional investors.

John Thomas is a financial advisor at Charles Schwab with 33 years of industry experience. He holds a Series 63 designation and has worked at Charles Schwab since 1993, including a tenure at Charles Schwab Bank starting in 2005, and previously spent two years at TD Ameritrade, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 operates as both a broker-dealer and investment adviser, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts via multi-asset model portfolios and alternative investment options.

Shaun Castro Ansueta is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, previously serving at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2006. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, acting as an ERISA fiduciary and offering discretionary investment management options including insurance-related vehicles and bank deposit sweep programs.

Armine Babayan is a financial advisor at UBS Financial Services with eight years of industry experience. She holds a Series 66 designation and has been with UBS since 2017, following a year as a self-employed advisor. Based in Pasadena, CA, she provides advisory services through one of the largest financial institutions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.