Richard Crean is a financial advisor with LPL Financial, holding a Series 66 designation and over 48 years of industry experience. He worked at California Financial Partners, Inc. for 22 years and has been with LPL Financial for 25 years. Crean serves as a director at Pomona Valley Hospital Medical Center outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofit 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 in-house and third-party research.

Amanjit Bains is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and previously worked at Stater Bros Markets. Outside of his advisory role, he is involved as a content creator producing video game guides and streaming. 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 large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Louis Dong is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2013, also working at JPMorgan Chase Bank since 2018. 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Carlos Bolanos is a CFP® with 38 years of experience in financial advisory and tax preparation. He has worked at Cetera since 2025 and previously spent nearly three decades with Avantax Advisory Services and its related entities. In addition to his advisory work, Bolanos owns an accounting and tax preparation business where he personally prepares tax returns and provides tax planning for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures.

Ricardo Ramirez is a financial advisor with Merrill based in Lakewood, California. He holds a Series 66 designation and has 19 years of industry experience, including 14 years with Bank of America and Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal CIO teams and third-party managers.

Michael Medina is a CFP® and Series 66 registered advisor at Raymond James & Associates with one year of industry experience. Prior to joining Raymond James in 2026, he worked at Pure Financial Advisors and held several other financial and non-financial roles, including a period focused on education from 2010 to 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients with a range of financial planning and consulting services, emphasizing non-discretionary, tailored advice supported by proprietary research and multiple portfolio management styles.

Fernando Nolasco is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and two years of industry experience. He has been with Primerica Financial Services since 2013, including his current role at Primerica Advisors since 2024. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, using model-delivery strategies managed by unaffiliated asset managers and providing advisory services through advisor-client interactions.

Chase Golightly is a Financial Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2023 to 2024. Before joining Fidelity, Chase worked as a Senior Associate at KPMG from 2020 to 2023. In his current role, Chase collaborates with individuals and families to define financial goals and develop comprehensive retirement plans and personalized investment strategies tailored to each client's unique financial needs. He holds a California Insurance License, which supports his work in the financial services sector. Chase is committed to giving back to his community by assisting clients in achieving their financial objectives through careful planning and strategy development.

Erin Brooks is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 credential and 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is an officer of T & G Brooks LLC, a property management business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both individual and corporate financial planning agreements.

Lanfeng Zhao is a financial advisor with Cetera, holding a Series 66 credential and bringing 24 years of industry experience. Zhao has worked at Cetera and its related entities since 2002 and also owns EZ & Company CPA Inc, a firm providing accounting, tax, and consulting services. Additionally, Zhao is involved in e-commerce through EZ FAB LLC. Cetera Investment Advisers LLC is a nationwide registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Jason Lock is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management in the Glendale office. He has been providing investment advice and asset management services to clients for over 30 years. Jason works with clients to develop personalized wealth management strategies that address their full financial picture, focusing on what matters most to them and adapting to changing market conditions. His expertise includes family wealth management, managing new wealth, retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Jason holds a Bachelor's Degree from The University of Kansas and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), and Certified Plan Fiduciary Advisor® (CPFA®). Jason values communication and service excellence in his client relationships. He follows the Merrill tradition of community participation and spends time volunteering with local organizations. Outside of work, he enjoys baseball, fishing, football, running, traveling, and spending time with his family.

Polus Ting is a Financial Consultant at Fidelity Investments, a role he has held since 2019. In this position, he works closely with clients to help them and their families achieve financial confidence through personalized planning tailored to their unique situations. His approach emphasizes building personal relationships based on understanding and genuine care. Prior to joining Fidelity, Polus served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2013 to 2019. His experience spans various aspects of financial consulting and wealth management. He holds a California Insurance License, supporting his capacity to provide comprehensive financial guidance. Outside of his professional work, Polus has personal interests that include cars, family activities, hiking, and music.

Kevin Cai is a financial advisor with Charles Schwab who holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Morgan Stanley and Charles Schwab Bank, SSB. He has also worked in technology and education sectors, including a position at Clarissa.ai and teaching at The King's Academy. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers multi-asset model portfolios alongside alternative investment offerings.

Yaopa Cheng is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Wells Fargo in 2023, Cheng worked at J.P. Morgan Securities, Citigroup, VincentBenjamin, Transamerica Financial Advisors, and World Financial Group. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

Frederick Allen III is a financial advisor at Thrivent Investment Management based in Anaheim, CA, holding a Series 66 designation with three years of industry experience. His work history includes multiple roles within Thrivent Financial and Thrivent Investment Management since 2022, as well as prior experience at Allen Tire Company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering goal-based financial planning across a range of topics without discretionary trading authority. The firm offers consolidated planning and managed-account services through its “WealthPlan” option.

Robert Coe is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, where he spent a combined 14 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary plan-level investment management and a broader set of financial products than typical institutional advisers.

Alexander Chen is a financial advisor and co-lead of the Chen & Associates team at Merrill Lynch Wealth Management. He advises high net worth and ultra-high net worth families across Orange County and throughout the country, focusing on retirement and multigenerational wealth planning, executive compensation and concentrated stock strategies, business succession and exit planning, liquidity event planning, philanthropic and charitable giving strategies, and trust and estate planning coordination. With more than a decade of experience, Alexander has held roles as a portfolio manager and investment professional with private equity and asset management firms in New York City and Texas. He began his career on the Loan Syndicate desk at Bank of New York Mellon, advising management teams of Fortune 500 and institutional clients on balance sheet strategy and executing debt capital markets transactions. His background provides him with a perspective that helps clients navigate complex financial and business decisions. Alexander earned a Bachelor of Business Administration with distinction from the University of Michigan, Ann Arbor – Ross School of Business. He is a Personal Investment Advisor (PIA) and member of the Merrill Alternatives Emerging Circle. Outside of his professional work, he is involved with American Corporate Partners, the Newport Beach Public Library Foundation Development Committee, the University of Michigan Alumni Club of Orange County, and Working Wardrobes. He resides in Irvine, California.

Aaron Kuo is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and beginning his career in 2026. His prior work includes roles at Nutanix and UC Irvine, as well as freelance work on Upwork. Mass Mutual 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 offers financial planning, asset management, and educational seminars, using firm-approved tools to provide written recommendations within collaborative, annual planning engagements.

Taylor Curtius is currently Vice President, Wealth Planner at Fidelity Investments, where they focus on helping clients develop personalized wealth plans tailored to their long-term financial goals. Taylor's approach begins with understanding the priorities of clients and their families, followed by analyzing their financial situations to construct appropriate strategies. Taylor has a comprehensive background in financial services, including roles as Financial Consultant and Investment Consultant at Fidelity Investments, Financial Advisor positions at Personal Capital and Edward Jones, as well as earlier experience in banking and financial services with JPMorgan Chase and New York Life. This experience provides a wide perspective on client financial needs and wealth management. Taylor holds a California Insurance License. Outside of work, Taylor's interests include cooking and baking, engaging in family activities, fitness, and traveling.

Michael Neeley is a financial advisor with Cetera in Glendora, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Voya Financial Advisors and Transamerica Financial Advisors. Outside of advising, he is a freelance musician, serves as a board member for a nonprofit organization, and owns a consulting business providing CFO services to companies without full-time CFOs. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers, operating a multi-manager platform that supports diverse investment strategies.