Dennis Kotoff is a financial advisor with Wells Fargo Clearing in Long Beach, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes both non-discretionary and discretionary investment management options.

Alyssa Yu is a financial advisor at Morgan Stanley in Brea, CA, holding a Series 66 credential with six years of industry experience. Her prior work includes roles at EnGenius Technologies, Inc., Macy’s, and Spigen Inc. Alyssa has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research-driven investment insights in its advisory process.

Haneul Lee is a financial advisor at J.P. Morgan Securities with one year of industry experience. Lee holds a Series 66 designation and has previously worked at MassMutual Life Insurance Company, Mass Mutual Investors Services, and Lenox Advisors. Outside of finance, Lee has been involved with the Community Literature Initiative. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

He Fu is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held roles at Bank of America, Merrill, and Quest Capital Strategies. Outside of his advisory work, he is an officer and investor in Y-NUT Inc., a company selling goods on Amazon. 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 applying an ESG eligibility framework in its recommendations.

Michelle Garcia is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and two years of industry experience. She has worked at LPL Financial since 2022 and has over 20 years of experience with SchoolsFirst Federal Credit Union, where she remains active. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research.

Karina Carpio is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has been with Wells Fargo Clearing since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among their investment offerings.

Hayim Clein is a financial advisor with OSAIC Wealth, Inc. in Tustin, California, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at OSAIC Wealth since 2017 and has additional experience with Liberty Capital Management, Incorporated dating back to 2014. Outside of his advisory roles, he operates a sole proprietorship focused on marketing and sales of fixed, life, health, and disability insurance, and he serves as a financial strategist addressing client inquiries and assisting with financial planning tools. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, providing integrated brokerage and advisory services, retirement consulting, and access to third-party money managers. The firm employs proprietary asset allocation tools and supports both discretionary and non-discretionary account management across various investment products.

Carol Knowlton Chirko is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and Cooper McManus, among other firms. She is also involved with Knowlton Financial Position, focusing on insurance and variable annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and multiple platforms. The firm offers comprehensive brokerage, advisory, and financial planning services, utilizing asset-allocation tools and third-party solutions to construct and manage portfolios.

Brandon Gattis is a Financial Consultant at Fidelity Investments, a position he has held since 2013. He has been working in the Financial Services industry for 24 years, with prior roles including Investments Consultant at Fidelity Investments from 2011 to 2013 and Investment Counselor at T. Rowe Price Associates, Inc. from 2002 to 2011. He holds a California Insurance License. Throughout his career, Brandon has focused on helping local families plan for their financial futures by educating clients on their finances and identifying areas for improvement. He emphasizes a client-centered approach by listening closely to what is most important to them. Outside of his professional life, Brandon enjoys spending time with his wife and three children. His personal interests include art, parenthood, skiing, soccer, swimming, and traveling.

Samantha Briers is a financial advisor at Ameriprise in Tustin, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2022, she worked at Kingston University of London and Huntington Beach High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Ruben Valdez is a financial advisor with Wells Fargo Advisors and holds the Series 63 and Series 66 designations. He has 11 years of industry experience and has previously worked at JP Morgan and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.

Jamie Brown is a financial advisor at Raymond James Financial with one year of industry experience. He holds Series 63 and Series 66 licenses and has prior experience with New York Life Insurance Company and American Income Life. Outside of his advisory role, Brown has been involved with IHSS since 2020. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports its clients through advisory programs and partnerships in specialized areas such as municipal finance.

Michelle Chung Hui Lai is a CFP®-certified financial advisor with J.P. Morgan Securities, bringing 15 years of industry experience. She has been with J.P. Morgan Securities and its affiliated entities since 2014. 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 team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities.

Jonathan Kimmes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Wells Fargo entities since 2009. Outside of advising, he appears as a guest on the home improvement TV show "Christina on the Coast" and serves as a board member for the Peninsula Home Owners Association in Huntington Beach, CA. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Ronald Owen is a financial advisor with J.P. Morgan Securities in Chino, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Merrill Edge and Northwestern Mutual, as well as service in the U.S. Navy. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a selective group of Wealth Advisors. The firm employs a quantitative asset-allocation process combined with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Lake Robinson is a financial advisor at Fidelity with Series 65 and Series 66 credentials and four years of industry experience. His prior work includes positions at Ameriprise and Equitable Advisors, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund and model portfolio strategies.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

Rene Licon Jr. is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2025, he spent 11 years with SCF Investment Advisors, Inc. and SCF Securities, Inc. He operates RSL Wealth Management, a business related to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial services.

Nauman Lakhany is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2020, following prior roles at Wells Fargo Clearing and Wells Fargo Bank. 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. The firm delivers these services through Wealth Advisors who make non-discretionary recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Thomas Schiada is a Vice President Private Wealth Management Advisor at Fidelity Investments, where he has worked since 2005. In his current role, he helps families develop personalized wealth strategies focused on growth, preservation, and transfer of wealth. He coordinates a team of specialists, including an Investment Manager, an Advanced Planner, and a Trust Officer, to deliver comprehensive wealth planning services. Thomas has extensive experience in private wealth management, having progressed through positions at Fidelity Investments from Financial Consultant to Vice President over nearly two decades. He holds a California Insurance License which supports his advisory capabilities. Outside of his professional work, Thomas has personal interests that include baseball, golf, music, social events with friends, parenthood, and traveling.