Yibin Evan Xu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked with J.P. Morgan Securities since 2013 and has also been employed at JPMorgan Chase Bank, N.A. for the past 10 years. Outside of his advisory role, he works as an employee/contractor for In-Home Supportive Services, assisting a family member in home. J.P. Morgan Securities LLC 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. The firm’s advisory services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Anthony Garcia is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at Bank of America, Wells Fargo, JP Morgan Chase, Homestreet Bank, CVG Valet, and Cerritos Acura. He is based in Los Angeles, CA. 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, plans, corporations, and charitable organizations.

Joseph Azpeitia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Pasadena, California. He serves successful first-generation wealth creators, particularly business owners and high-income families, by providing a clear, disciplined strategy for managing and preserving their wealth. Joseph focuses on helping clients establish a cohesive investment strategy, retirement planning, tax-efficient investing, and cash-flow planning for high-income households. His work extends to coordinating with clients' CPAs and attorneys on estate and legacy considerations, supporting clients through transitions and major financial decisions. Joseph emphasizes a planning-first approach to help clients make confident decisions across investments, business transitions, and long-term financial independence. Joseph holds a Personal Investment Advisor (PIA) designation. He earned his high school diploma from Upland High School and attended Mt San Antonio College. Outside of work, he enjoys basketball, boating, cooking, football, golfing, soccer, and spending time with his family.

Brian Steen is a financial advisor at Edward Jones in Chino Hills, CA, with one year of industry experience. He previously worked at The Capital Group Companies for 21 years. Outside of his advisory role, he owns rental properties in Ferguson, MO, which are managed by a property management company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of advisors and branch offices nationwide.

Lawrence Hoey is a financial advisor with LPL Financial in Diamond Bar, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Primerica Advisors. Outside of his advisory role, he operates Hoey Consulting, a tax-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a wide range of financial planning, portfolio management, and institutional advisory services, supported by proprietary research and technology tools.

Steven Sanchez is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 35 years of experience in the financial industry, focusing on a comprehensive approach to wealth management that begins with understanding each client's individual needs and goals. Steven works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term objectives. He provides access to investment insights from Merrill and banking solutions from Bank of America to address various aspects of clients' financial lives. Steven earned a Bachelor's Degree from the University of Southern California and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses areas such as college education planning, family wealth management, retirement income, portfolio management, tax minimization, and services for endowments, foundations, and non-profits. In keeping with Merrill's tradition of community involvement, Steven dedicates time to volunteering with local organizations. Outside of work, his personal interests include football, golfing, ice hockey, surfing, swimming, and volleyball.

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.

Gavin Lee is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He has worked at Raymond James since 2019 and previously spent 15 years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved with Arroyo Capital Partners as an owner and dedicates significant time to this support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling, and supports specialized areas such as municipal finance and SIMPLE IRA advisory services.

Jordan Priest is a Series 66-credentialed financial advisor with eight years of industry experience, currently serving at LPL Financial since 2019. His prior roles include positions at Royal Alliance, Benefit Funding Retirement Services, and CT Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm offers a range of financial planning and asset management solutions, employing both discretionary and non-discretionary strategies supported by research and technology tools.

Aamir Lalani is a financial advisor with Wells Fargo Clearing in San Dimas, CA, holding Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Wells Fargo Bank, loanDepot, Smartbiz Loans, and Walter's Audi Ontario. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

David Pierce is a financial advisor with Ameriprise in Pasadena, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill, Moss Adams, Aspen Capital, and work related to the University of Portland and Konos Restaurant Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning advice focused on retirement income strategies. The firm's approach incorporates proprietary investment research, third-party data, and algorithmic tools, with enrollment criteria requiring a minimum level of investable assets.

Peter Wang is a Series 66-licensed financial advisor with 10 years of industry experience, currently affiliated with LPL Financial in Brea, CA since 2021. Prior to joining LPL, he worked at Waddell & Reed Inc and various insurance carriers for W&R Insurance Agencies from 2016 to 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset exposures.

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.

William Barney is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. He serves as a member of the New York Stock Exchange Panels of Hearing Board and volunteers on the NYSE's Acceptability Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and analysis from its Global Investment Committee.

Choong Kim is a financial professional with four years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Western Southern Life and New York Life. In addition to his role at Cetera, he is involved with Strategic Fortune Wealth Management, where he works with individuals, families, and businesses on financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Mingming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing seven years of industry experience. Prior to joining J.P. Morgan, Zhang worked at Bank of America and Merrill from 2016 to 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and an ESG eligibility framework. The firm operates within the larger J.P. Morgan broker-dealer and banking organization, offering access to a broad range of products and emphasizing customized, non-discretionary advice.

Lily Kam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior roles include positions at Merrill, Banc of America Investment Services, and Citicorp Investment Services. Outside of her advisory work, she is involved in managing multiple rental properties. 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 combines proprietary research and third-party analytics to support investment decisions and offers a broad range of brokerage and advisory solutions.

Judith Lind is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2002. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies and supports trade execution and custody through third-party providers, with a focus on advisory services delivered through a large network of financial advisors.