David Ko is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mark Rizkalla is a financial advisor with Thrivent Investment Management holding a Series 66 designation and two years of industry experience. Prior to joining Thrivent, he was the owner of Riz Management Inc and worked for Wescom Central Credit Union for 18 years. He is also a licensed notary public providing services to escrow companies in California. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based analyses and planning on a broad range of financial topics without discretionary trading authority.

Cesar Macedo is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2014. He holds Series 63 and Series 65 licenses and operates out of Downey, CA. Outside of advisory work, he provides tax preparation services and notary services related to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad clientele including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Merlin Micken is a CFP® professional with 19 years of industry experience, currently serving at Wells Fargo Advisors since 2019. Prior to this, he worked at Wells Fargo Clearing and WELLS FARGO ADVISORS LLC. He also participates as a sales representative exam committee member for FINRA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Shiyi Xia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Boston. She works closely with clients to develop personalized financial strategies tailored to their long-term goals. Her approach focuses on understanding each client's comprehensive financial picture and adapting strategies to changing market conditions, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise encompasses a range of areas including college education planning, family wealth management, legacy planning, retirement planning, philanthropic planning, portfolio management, and tax minimization. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Shiyi earned a Bachelor's degree from George Washington University and a Master's degree from the University of Massachusetts System. Fluent in English, Mandarin, and Yue (Cantonese), she also dedicates time to community volunteering. Outside of work, Shiyi enjoys boating, cooking, hiking, traveling, and practicing yoga.

Yusei Shigeta is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Co. From 2021 to 2025, he was involved with Raku Aburiya, Endo Gourmet. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is registered with the CFTC as a commodity pool operator and serves in advisory roles to multiple registered investment companies.

Lawrence Hoey is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, he operates Hoey Consulting, a business entity established for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supporting both discretionary and non-discretionary management with resources like LPL Research and third-party subadvisors.

Perry Nocifora is a CFP® with 41 years of industry experience, currently affiliated with OSAIC since 2023. He has prior experience at Royal Alliance Associates, Inc. and Signator Investors, Inc. Nocifora is also president of Wealth Management Services, Inc., an S-Corp providing administrative, sales, technical support, and accounting services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools for portfolio construction and management across multiple platforms and investment types.

Todd Crane is a financial advisor with Cetera, holding CFP® and CFA® designations and possessing 14 years of industry experience. He has worked at several affiliated entities including Crane Advisory LLC and Cetera Wealth Services, focusing on financial planning and asset management. Outside of his advisory roles, he manages a holding company, T Crane Advisory LLC, involved primarily in bookkeeping. Cetera Investment Advisers LLC operates as an SEC-registered adviser providing a wide range of investment and retirement services through a large network of over 10,000 independent advisors. The firm serves diverse clients including individuals, employer-sponsored plans, and institutional accounts, offering a multi-manager platform with various program structures and investment options.

Stephen Murdock is a CFP® with 52 years of industry experience. He is currently with Cetera and has previously worked at Quantum Econometrics, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates as a multi-manager platform with various program options.

Hannah Pozzebon is a Planning Consultant at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments since 2021 in various roles, including Relationship Manager, Financial Representative, and Customer Relationship Advocate. Hannah's approach focuses on understanding clients' short- and long-term financial goals and working in partnership with individuals and their families to support their financial planning needs. She aims to build strong and lasting relationships grounded in trust. She holds a California Insurance License. Outside of work, Hannah has interests in cooking and baking, movies, music, pets, soccer, and volunteering.

Michael Gates is a financial advisor at LPL Financial with 28 years of industry experience. He holds the Series 63 and Series 66 credentials and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Gates is based in Huntington Beach, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Ryan Naki is a financial advisor with J.P. Morgan Securities in Harbor City, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Ameriprise Financial Services LLC and JPMORGAN Chase Bank, N.A., as well as a long tenure at Best Buy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the larger J.P. Morgan organization and offers access to a broad range of products, including security-based swaps and futures commission merchant services.

Peter Wang is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked with Waddell & Reed Inc and various insurance carriers associated with W&R Insurance Agencies. Outside of his advisory role, he has been involved in insurance sales and has engaged as a limited partner in a rental property business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by model portfolios and research from multiple sources.

Eleni Attard is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 designation and having four years of industry experience. Prior to joining Morgan Stanley, she was involved with St John the Baptist Greek Orthodox Church for five years and has experience in educational roles at Chapman University and Canyon High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by firm-approved tools and methodologies.

Lauren Wong is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in assisting individuals and families with college education planning, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. Her professional approach is centered on understanding each client's unique story, priorities, and aspirations to provide tailored financial guidance. Before entering the financial services field, Lauren built her career in nonprofit fundraising and the museum sector, focusing on cultivating relationships and supporting meaningful causes. This experience informs her client approach, emphasizing listening, building trust, and guiding clients according to their needs. Lauren holds a Bachelor's Degree from the University of California System and a Master's Degree from George Washington University. She has earned designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her advisory role, she volunteers with the Richard Nixon Presidential Library, managing the internship program and mentoring students and young professionals.

James Cantrell is a financial advisor with UBS Financial Services in Seal Beach, CA, holding Series 63 and Series 65 registrations and 34 years of industry experience. He has been with UBS since 1992. Cantrell serves as Vice President and is one of the Directors of the Los Angeles Philanthropic Foundation, a nonprofit educational endowment. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor financial plans and portfolio management to clients' goals and risk tolerances.

Eric Trapasso is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. He has worked with Cetera and its affiliated entities since 2013 and owns The Trapasso Group, a consulting business focused on assisting veterans with disability claims and life adjustments. Additionally, he is an author involved in writing and publishing books. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and customized strategies.

Shawna Gwin is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2000. Outside of her advisory work, she is the managing member of Midnight Performance LLC, a business involved in marine and automotive parts and boat service and repair. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Ching Yu Lam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JP Morgan Chase Bank in 2021, Lam worked at Bank of America, Merrill, Wells Fargo Bank, and also served at Los Angeles City College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.