Richard Rustin is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 24 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Securities America Advisors and Securities America Inc. from 2017 to 2021, National Planning Corporation from 2010 to 2017, and Woodbury Financial Services, Inc. from 2005 to 2010. Outside of his advisory work, he is involved in buying and selling sports and movie collectibles as well as non-fungible tokens. 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 services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various advisor tools and extensive non-advisory financial activities.

Javier Lopez is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2017, alongside roles at JPMorgan Chase Bank, N.A. since 2015 and Circle K from 2021 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Brandon Lam is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and previously worked at Thrivent Financial and Thrivent Investment Management Inc. Outside of finance, he has been involved with the Boys & Girls Club of Garden Grove and worked in hospitality and parking management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice and customized performance reporting, with clients retaining final decision-making authority.

Andy Guardado is a Series 66-licensed financial advisor with Merrill in Montebello, California, with seven years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2010. Outside of his advisory role, he serves as a director for H & A Concrete Pump, a construction company involved in financing equipment for concrete pouring. 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. The firm offers model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kelsey Chicots is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds a Series 66 designation and previously worked at RBC Capital Markets. Her background also includes roles at Iwalk Free Inc and Boathouse on the Bay. 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 approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options.

Raoul Dubery is a financial advisor with OSAIC in Tustin, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with OSAIC since 1999 and previously worked at Liberty Capital Management for 11 years. Outside of his advisory role, Dubery operates a sole proprietorship providing insurance solutions for companies and individuals and is involved in real estate sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm uses a model-based investment process with portfolio optimization tools and offers discretionary and advisor-managed strategies alongside third-party and proprietary investment options.

Wei Yue is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2025, Wei worked at Wells Fargo and held positions at the University of California, San Diego, and China Merchants Securities Co., Ltd. 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 plans, corporations, and charitable organizations.

Sarah Rooskandar is a financial advisor at Merrill with the Series 66 designation and four years of industry experience. She previously worked at Bank of America and JP Morgan Chase, where she spent 17 years combined. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Rutz is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 licenses and six years of industry experience. His work history includes roles at Wells Fargo Advisors, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of finance, he owns and operates a vending machine business called Rutz's Resale. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Erin Wilkinson is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including OSAIC, FSC Securities Corporation, and McCarthy Wealth Management. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and financial planning services. The firm uses structured planning tools and investment models to support its clients and manages approximately $2.74 trillion in client assets.

Martin Flores Jr. is a financial advisor with LPL Financial, holding the Series 63 and Series 66 designations and bringing 25 years of industry experience. Prior to joining LPL Financial in 2012, he worked at U.S. Bancorp Advisors, LLC and Wells Fargo Investments. He is the sole owner of MJF Financial, Inc., a firm through which he offers non-variable fixed insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies and integrates technology tools to assist advisors while maintaining a comprehensive platform that includes insurance and credit services.

Andrew Kuo is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked for Western International Securities, Inc. for 18 years before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, utilizing both in-house and third-party strategies across discretionary and non-discretionary platforms.

Joshua De Vry is a CFP® with 10 years of experience in the financial services industry. He has worked at Prudential Insurance Company of America since 2016 and joined LPL Enterprise in 2024. His background also includes roles at Pruco Securities, LLC and involvement with Sophie's Place. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Julie Ngo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 27 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Smith Barney for a combined total of eight years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Sumi Chung is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2018. She has been with Fidelity for 15 years and has 25 years of experience in the financial industry. In her role, she partners with high net worth clients to develop, implement, and maintain wealth planning strategies tailored to their unique financial goals. Prior to her current position, Sumi served as a Senior Relationship Manager at Fidelity Investments from 2010 to 2018. Before joining Fidelity, she was an Operations Manager at Charles Schwab from 2000 to 2010. She holds a California Insurance License.

Roger Chang is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 63 designation and over 34 years of industry experience. His career includes prior roles at Securities America Advisors, National Planning Corporation, and his ongoing involvement with IMCG, Inc., a business related to his advisory activities. 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 using a variety of investment strategies and tools, supported by a large network of over 22,800 advisors and extensive asset management capabilities.

Robert Gabler is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and having 14 years of industry experience. He has been with Morgan Stanley since 2011 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Allan Medrano is a financial advisor with Primerica Advisors in Whittier, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1996. Outside of advisory activities, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, featuring model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation and custody services provided by established industry partners.

Steven Williams is a CFP® with 30 years of industry experience, currently affiliated with LPL Financial. His prior experience includes long-term roles at Avantax and Cetera Wealth Services, as well as operating his own tax and financial services business. He is also involved in tax preparation through Williams Tax & Financial Services and acts as an independent insurance agent focusing on long-term care products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, and institutional platforms, supporting advisors with advanced operational and research tools.

Kyle Weber is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and has 10 years of industry experience. He previously worked at Woodbury Financial Services for eight years before joining OSAIC in 2024. Outside of his advisory work, he is involved in managing Airbnb properties through sole proprietorships. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a wide range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, recent consolidation, and complex affiliate network involving broker-dealer, asset management, insurance, and trust services.