Richard Bratincevic is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns a real estate investment property in Glendora, CA. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by advanced modeling tools and a structured discovery process.

Liliana Soto is a CFP® professional with 19 years of experience in financial services. She is currently with Cetera, where she has worked since 2013, and she also holds the role of Director of Financial Services at Crane & Associates, a financial planning and investment firm. In addition to her advisory work, Soto is a licensed public notary. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and third-party money managers.

Joshua Murty is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2004 and has over 18 years of experience helping families manage wealth. Josh earned his CERTIFIED FINANCIAL PLANNER® certification in 2007 and holds additional professional designations including Certified Investment Management Analyst, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Josh focuses on delivering comprehensive wealth management strategies tailored to clients' personal goals. His expertise encompasses managing new wealth, personal retirement planning, portfolio management, small business strategies, and individual and corporate investment strategy. He believes in providing clients with the education and resources necessary to make informed financial decisions. Away from work, Josh enjoys outdoor activities such as boating, camping, fishing, football, and golfing. He lives in Yorba Linda with his wife and three children and is an active member of Friends Church.

Majid Taheran is a financial advisor with Cetera, holding Series 65 and Series 63 designations and bringing 31 years of industry experience. His background includes prior roles at Avantax Advisory Services and extensive entrepreneurial activities, including ownership and leadership positions in tax preparation, insurance, real estate, and legal services. He also teaches financial accounting and mathematics at the University of Phoenix. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors. The firm employs a multi-manager platform allowing flexible investment strategies, with over $256 billion in assets under management and more than 10,000 advisors.

Cornel Catrina is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. In this role, he works with individuals and their families to develop customized financial plans, focusing on retirement planning, income strategies, and tax-efficient investing. His approach is centered on helping clients achieve their personal and financial goals. Prior to his current role, Cornel served as a Financial Advisor at Merrill Lynch from 2016 to 2017. He also held the position of Regional Manager at GL Advisor between 2010 and 2014, and was a Registered Representative with Datek and Heartland Securities from 1996 to 2002. Cornel holds a California Insurance License. Outside of his professional work, Cornel enjoys biking, running, swimming, and tennis.

Guillermo Salas is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 17 years of industry experience, including over a decade at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is based in Montebello, California. 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 combines institutional advisory services with affiliated brokerage and investment management capabilities.

Harout Garabedian is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 15 years at TD Ameritrade before joining Charles Schwab in 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 offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Johnny Le is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he assists clients in developing personalized financial strategies that align with their individual ambitions and family goals. He focuses on areas such as planning for education funding, retirement lifestyle, and potential healthcare costs. Johnny's approach involves simplifying investment complexities and fostering transparent communication to guide clients through their financial planning journey. Johnny holds the designation of Personal Investment Advisor (PIA). He earned his High School Diploma from Fullerton Union High School. His professional philosophy centers on identifying what matters most to clients and their families to create effective financial strategies.

Hsin Yen Neilon is a financial advisor with UBS Financial Services in Brea, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. Neilon has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Hovhannes Markosyan is a Series 66-licensed financial advisor with Merrill, based in Pasadena, CA, and has five years of industry experience. He previously worked at JP Morgan Securities, Equitable Advisors, and Bank of America. Outside of his advisory role, he serves as a director for Armerica, a nonprofit focused on empowering the Armenian community, and operates a consulting business advising companies on operations and profit margins. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Garrett Earls is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade Inc. Outside of his advisory role, he serves as a high school football official with the Foothill-Citrus Football Officials Association and is a board member of the OCS Foundation, which provides scholarships to families in need. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research and due diligence on alternative investments.

Joanna Correa is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies. She focuses on understanding clients’ financial situations and priorities to design, implement, and review customized approaches aimed at pursuing their personal financial goals while managing investment risk. Joanna leverages the investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to provide a comprehensive approach to wealth management. Joanna holds a Bachelor's Degree from the University of California system and is a Personal Investment Advisor (PIA). She is fluent in both Korean and English. Joanna is actively involved in her community and professional organizations, including participation in the Irvine Chamber of Commerce. Her volunteer work includes supporting groups such as Boxes of Love, Dalit Freedom Network, St. Jude, Susan G. Komen, and the Youth Action Team.

Audrey Chang is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2018 and RBC Capital Markets since 2014. Outside of her advisory work, she is the owner and landlord of a rental property in Alhambra, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to assist clients but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts unless separately agreed upon.

Lilta Talavat is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at UBS Financial Services and First Republic Securities Company. She also serves as a Notary Public, providing document notarization services for clients. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations to provide a comprehensive range of financial services.

Jin Kim is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill, Bank of America, and Fidelity Investments. Additionally, he has experience running a translation business, Kim Translation's. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Beverlee Chenault is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Outside of her advisory role, she works as an independent distributor and serves as a notary and loan document agent. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail, institutional, and specialized investment services.

Annie Yu is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

William Hoa is a financial advisor with J.P. Morgan Securities in Monterey Park, CA, holding Series 66 and Series 63 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan in various roles since 2010. Outside of his advisory work, he operates an online resale business specializing in rare merchandise and secondhand items. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a program that emphasizes quantitative asset-allocation modeling, manager due diligence, and an ESG eligibility framework.

Juan De La Rama is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with UBS since 2016. UBS Financial Services Inc. 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, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals.

Qing He is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cetera Investment Services, East West Bank, and Bank of America, as well as work with Easy Ways USA LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools but does not provide individual security recommendations as part of standalone plans.