Joshua Murty is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He works primarily with high-net-worth and ultra-high-net-worth individuals and families who have complex planning needs. Joshua focuses on investment strategy and long-term wealth planning, assisting clients in evaluating how their portfolios, estate plans, and financial structures align with their goals over time. He has experience with complex investment strategies and estate planning, especially for families dealing with multi-generational planning, concentrated wealth, and significant life transitions. Joshua employs a disciplined approach to investment management, emphasizing alignment between strategy, risk tolerance, liquidity needs, and long-term objectives. He often collaborates with clients' attorneys, CPAs, and other advisors to coordinate investment and estate planning decisions. Joshua earned a Bachelor's Degree from California State University, Fullerton, College of Business and Economics, and completed an executive education program at Yale University. He holds the designations of CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). His personal interests include boating, camping, fishing, football, and golfing.

Majid Taheran is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes roles at Avantax Advisory Services and multiple business ownerships, including Choice America Financial Group and Lions Realty, where he serves as president. In addition to advising, he is a professor teaching financial accounting and mathematics at the University of Phoenix. Cetera Investment Advisers LLC is an SEC-registered firm offering a multi-manager platform that serves individuals, retirement plans, corporate, charitable, and institutional clients through various portfolio management and financial planning services. The firm supports both discretionary and non-discretionary strategies across diverse program structures and emphasizes a broad network of over 10,000 advisors and significant assets under management.

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, holding a Series 66 credential and 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been associated with JPMorgan Chase Bank, N.A. since 2011. Prior to that, he had roles at Wells Fargo Clearing and Wells Fargo Investments. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

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.

Hovhannes Markosyan serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to assess their financial situations and introduce solutions available through Merrill and Bank of America. He aims to support clients in understanding their financial options and selecting platforms that align with their needs. Hovhannes holds the designation of Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from the California State University System. His approach emphasizes helping clients identify their priorities to develop strategies tailored to pursue their financial goals.

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.

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 several firms including Merrill, Citigroup Global Markets, RBC Capital Markets, and Morgan Stanley. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and investment models, combined with advisory services across a broad spectrum of retail and institutional offerings.

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 licenses. His career includes roles at Bank of America, Merrill, and Fidelity Investments, as well as a period of self-employment with Kim Translation's. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Beverlee Chenault is a financial advisor with Morgan Stanley in Claremont, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She worked at Citigroup Global Markets from 1998 to 2009 before joining Morgan Stanley Smith Barney, where she has been since 2009. Outside of her advisory role, she is an independent distributor of non-investment products and serves as a notary and loan document agent. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its advisory process.

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, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2016 and operates an online retail business selling rare collectibles and second-hand merchandise. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized 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.

Khushwant Thandi is a financial advisor with LPL Financial in West Covina, CA, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at CUNA Brokerage Services and Wells Fargo Investments, and he has been associated with SchoolsFirst FCU since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and participant-level retirement advice.

Wendy Wei is a financial advisor with Merrill and holds Series 63 and Series 66 licenses. She has 19 years of industry experience, including 14 years with Bank of America, N.A. and Merrill. Prior to that, she worked at Wells Fargo Investments and Wells Fargo Clearing. Outside of advising, she serves as a general partner and managing member of two single-member LLCs unrelated to investment activities. 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 supported by internal and third-party managers for a broad client base including individuals, high-net-worth clients, and institutional investors.

Daniel Tomlinson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of areas including legacy planning, college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Daniel works closely with individuals, couples, and businesses to develop personalized financial strategies aligned with their long-term goals. Daniel holds a Bachelor’s Degree from Southern Methodist University and is a Personal Investment Advisor (PIA). He is affiliated with the Irvine Chamber of Commerce and draws on his background as a former Marine to build strong, trust-based relationships with clients. His approach emphasizes understanding what matters most to clients and collaborating with them to navigate financial decisions throughout different stages of life. Outside of his professional work, Daniel enjoys spending time with his family, watching movies, and playing baseball. He also actively participates in his community through volunteering, reflecting his commitment to service both personally and professionally.

Brian McTear is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He collaborates with clients to co-create and implement financial strategies aimed at managing wealth and pursuing investment planning goals. His approach focuses on building trust and understanding to develop wholistic, goals-based strategies that provide consistency, confidence, and clarity in investment and retirement planning. Brian's experience in the financial services industry includes positions as Relationship Manager and Financial Representative at Fidelity Investments, as well as Registered Representative at Guardian Life-Park Avenue Securities. He holds a California Insurance License, supporting his work in financial planning and investment management. Outside of his professional activities, Brian has interests in beach activities, fitness, music, parenthood, and volunteering.