Mark MacLachlan is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to implement investment strategies aimed at growing, protecting, and transferring their wealth. He has been with Fidelity Investments since 2013, progressing through several roles including Financial Representative Intern, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2020. His experience spans client relationship management and investment consulting. Mark holds a California Insurance License. Outside of his professional work, he has interests in fitness and traveling.

Shu Todoroki is a financial advisor at OSAIC with 23 years of industry experience. He previously worked at Woodbury Financial for 21 years before joining OSAIC in 2024. Todoroki holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as an assistant varsity softball coach at Loara High School and Fullerton High School. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and recent consolidation activity.

Dawn Strachan is a financial advisor at OSAIC with 25 years of industry experience and holds the Series 66 designation. Her career includes roles at Woodbury Financial Services, Questar Asset Management, Summit Financial Group, LPL Financial, and Waddell & Reed. She is a Certified Divorce Financial Analyst and owns a financial analysis practice that assists individuals and couples with understanding the financial aspects of divorce settlements. Strachan also serves as treasurer for Collaborative Practice California, a statewide organization focused on collaborative divorce. OSAIC Wealth serves a diverse client base including retail, high-net-worth, retirement plans, charities, and corporate clients, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach incorporates model-based asset allocation, portfolio optimization, and a variety of managed account strategies, supported by a complex affiliate network and a wide range of product offerings.

Eric Smutko is a financial advisor with Wells Fargo Advisors in Los Angeles, CA, holding a Series 66 designation and 22 years of industry experience. Prior to joining Wells Fargo Advisors in 2026, he worked for Ameriprise Financial Services, Inc. from 2003 to 2026. Outside of his advisory role, he is a co-owner of A-1G Skyraider, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and tools, with clients able to choose how to implement those recommendations.

Kevin Ta is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, Merrill, Wells Fargo, and Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, incorporating ESG criteria and supported by J.P. Morgan’s broader investment-management resources.

Alex Ganapolsky is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC and Wamu Investments, Inc. There are no notable outside business activities reported. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, using research and analytics to evaluate investment options within custodian platforms.

Stephen Meyers is a financial advisor with LPL Financial in Fountain Valley, CA, holding Series 63 and Series 66 credentials and 37 years of industry experience. He previously worked at Citicorp Investment Services before joining Linsco Private Ledger, where he has been since 2007. Outside of advising, he is involved in a non-variable insurance business focused on whole life, universal life, and term insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational and research purposes.

Ty Ospring is a financial advisor at Osaic with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Osaic and Capital Resources since 2020. His prior experience includes roles at Costco and Compulocks Brands, as well as a six-year period at Cal State Fullerton University. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and employs a model-based investment process focused on asset allocation and portfolio optimization.

John Elliott is a financial advisor at J.P. Morgan Securities in Huntington Beach, CA with three years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and JPMorgan Chase Bank, N.A. Outside of finance, he has experience working in retail and food service industries. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes quantitative and qualitative due diligence supported by centralized research and incorporates ESG frameworks where applicable.

Yun Bai is a financial advisor at Cetera with seven years of industry experience. Bai holds Series 63 and Series 66 licenses and has worked previously at institutions including Citigroup, UBS Financial Services, Wells Fargo, HSBC, J.P. Morgan, and Bank of America. Bai is based in City of Industry, California. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with access to affiliated and third-party strategies.

Kathleen Adams Brosterman is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding a Series 66 designation and 39 years of industry experience. She has worked with MML Investors Services, LLC and MassMutual Life Insurance Co since 1989. Additionally, she maintains a sales agent role in the health and long-term care insurance sector. MassMutual 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 provides financial planning, asset management, and educational seminars, using firm-approved tools to develop investment strategies without discretionary authority.

Khoi Nguyen is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments in 2024 and as a Financial Advisor at Edward Jones from 2023 to 2024. His financial services career also includes positions at JPMorgan Chase & Co., Morgan Stanley, and Northwestern Mutual Insurance Company. Nguyen holds a California Insurance License. He focuses on developing strong relationships with clients, assisting them in aligning their finances with their personal goals to create tailored financial plans. His approach emphasizes prioritizing clients' needs, wants, and wishes to help them find confidence and balance in their financial journey. Outside of his professional life, Nguyen enjoys boating, family activities, fitness, food, hiking, and photography.

Seth Wensel is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. He previously worked at Citibank and TD Bank before joining Merrill in 2021. 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 strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Ruiz is a financial advisor at Fidelity with 27 years of industry experience. He holds the Series 66 designation and has worked in various roles within Fidelity and its affiliates since 2013. Prior to that, he held positions at John Hancock Distributors and UBS Financial Services. 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’s investment process combines fundamental research, quantitative analysis, and algorithmic portfolio construction, using systematic methodologies and long-term asset allocation benchmarks.

Jonathan Izquierdo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Wells Fargo, and positions in higher education. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Powell is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he streams on Twitch and has participated in a one-time game test with Microsoft. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Pengnian Chu is a CFP® professional with 21 years of industry experience, currently serving at LPL Financial since 2021. Prior to joining LPL, he spent 16 years with Waddell & Reed Inc and various insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Murphy is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with OSAIC since 2024, following a long tenure at Linsco/Private Ledger Corp. In addition to his advisory role, Murphy is a partner in a CPA firm and serves on several nonprofit boards, including the Haynes Fund and the Orange Catholic Foundation. OSAIC Wealth serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a variety of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization.

Audrey Schmedes is a CFP® professional with nine years of experience in the financial services industry, currently with Wells Fargo Advisors since 2026. She previously worked at Ameriprise for six years and held roles at Bank of America and Merrill Lynch. She serves on the board of The Village Enrichment Program, a nonprofit organization. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that are tailored to client needs and delivered through a network of financial advisors.

Kristi Bae is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative due diligence and may include ESG considerations.