Kalvin Cruz is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies tailored to meet their individual needs. Kalvin provides ongoing advice and adjusts strategies as clients' situations evolve. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Kalvin earned a Bachelor's Degree from New Mexico State University. His expertise encompasses a range of financial priorities, such as funding education, preparing for retirement and healthcare costs, and managing competing financial demands within families. Kalvin's approach is guided by a client-first philosophy reminiscent of Merrill Lynch's founder, Charlie Merrill. He emphasizes transparency and simplicity in wealth planning to support clients in achieving their long-term goals.

Cristina Sanchez is a financial advisor at Fidelity with 10 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with oversight of sub-advisers and conflict-of-interest controls.

Matthew Crammer is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked extensively with Avantax Advisory Services and related firms for over two decades and has operated his own business, Crammer & Crammer, since 1997. Outside of advising, he is president of two tax preparation and accounting firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various model portfolios and third-party managers.

Steven Tran is a financial advisor with Wells Fargo Advisors in Santa Ana, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2015. Outside of his advisory role, Tran is a licensed notary public and owns a financial practice in Irvine, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, using proprietary research and planning tools to develop tailored recommendations for clients.

Christian Hernandez Jacobo is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., accumulating six years in the financial sector. His background also includes roles outside finance, such as at Riverside Imports, LLC, and T-Mobile. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jorge Rodriguez is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, he worked at Bank of America and US Bank/Elavon. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maegan Sloggett is a Planning Consultant currently working at Fidelity Investments since 2024. She specializes in creating tailored financial strategies aligned with clients' unique objectives, including retirement planning, home saving, and investing in education. Her professional experience includes roles at Morgan Stanley from 2018 to 2024, progressing from Branch Administrator to Wealth Management Associate, Registered Client Service Associate, Financial Planning Specialist, and PWM Client Service Associate. Maegan holds a CA Insurance License. Outside of her professional work, Maegan's personal interests include food, social events with friends, pets, reading, traveling, and yoga.

James Hendries is a financial advisor with LPL Financial, holding a Series 63 designation and has 31 years of industry experience. He has been with LPL Financial since 1999. 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 offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Freddie Brown is a CFP®-credentialed financial advisor with 12 years of industry experience, currently affiliated with LPL Financial in Brea, CA. His prior experience includes roles at Waddell & Reed Inc and various insurance carriers, as well as involvement with Fellowship Church of Southern California and BNI Prosperity. He also owns a business entity, Freddie Brown Inc., established for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a diverse range of advisory programs, financial planning services, and investment options supported by proprietary and third-party research.

Andrew Traina is a Series 66 licensed financial advisor with eight years of industry experience. He has worked with Fidelity Investments since 2021 and previously held roles at TD Ameritrade and Scottrade. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model strategies.

Stanley Tang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2012. Outside of his advisory role, he is a silent investor in Cabernet AI, Inc., a technology start-up specializing in AI data. J.P. Morgan Securities LLC provides institutional consulting services to corporate, foundation, and defined contribution plan clients, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Esteban Muniz is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill and Bank of America N.A. Muniz also has experience at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in earlier roles. 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 its program on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Richard Skelton Jr. is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He worked for Woodbury Financial Services for 20 years before joining OSAIC in 2024. Outside of his advisory role, he is involved in a family-owned horse riding stable on Catalina Island and occasionally assists with visitor guest rides and stable maintenance. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various portfolio construction tools and offers both discretionary and non-discretionary account management.

Vanessa Solis is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. She previously worked at LBS Financial Credit Union for eight years before joining Charles Schwab and Charles Schwab Bank in 2022. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs, managed accounts, and financial planning services. The firm’s investment approach combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments.

Kelli Putnam is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JP Morgan Chase Bank, First Republic Investment Management, and First Republic Bank. 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, distribution, and investment management capabilities.

David Willett is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked with firms including LPL Financial and Trilogy Capital, and he serves on the committee for St. John's Lutheran School Endowment Fund. Willett also owns and operates his own financial services businesses. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering various portfolio management and consulting services through a nationwide network of independent advisors. The firm provides access to multiple program structures and third-party managers with over $256 billion in assets under management.

Uyen Quang is a financial advisor with Cetera, holding a Series 66 license and one year of industry experience. Prior to joining Cetera, they held roles at East West Bank, Bank of America, and Merrill. Outside of advisory work, Quang is involved in a family business focused on business development and marketing. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager investment platform with a range of discretionary and non-discretionary management options and access to third-party money managers.

Kai Tian is a financial advisor with LPL Enterprise, holding the CFA® designation and a Series 66 license, with five years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Guardian Life, and Nautilus Premier Consulting & Services. He also teaches financial literacy classes as part of his community involvement. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutional clients. The firm offers a range of services such as financial planning, access to model portfolios and third-party asset management programs, and brokerage and insurance products through an integrated platform.

Felipe Sebastian is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and JPMorgan Chase Bank since 2011. 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 delivered through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Russell Stark is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with Outlaw Racing Products, a parts distribution business related to model boat racing. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and access to various investment strategies through its broad platform.