Pearl Huang is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with 10 years of industry experience. Her prior experience includes roles at Wells Fargo Bank and Wells Fargo Clearing Services from 2019 to 2024, JPMorgan Chase in 2018-2019, and Bank of America from 2006 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services through various planning tools and strategies.

David Ko is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cesar Macedo is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial since 2014. He holds Series 63 and Series 65 licenses and operates out of Downey, CA. Outside of advisory work, he provides tax preparation services and notary services related to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad clientele including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

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.

Joseph Azpeitia is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Pasadena, California. He works primarily with successful first-generation wealth creators, including business owners and high-income families, providing structured, planning-focused financial guidance aimed at preserving and managing their wealth over the long term. His expertise includes portfolio strategy, retirement planning, tax-efficient investing, cash-flow planning, and coordinating with clients' CPAs and attorneys on estate and legacy planning. Joseph focuses on helping clients navigate key financial decisions, emphasizing a methodical and disciplined approach to wealth management that supports transitions from wealth-building to stewardship. Joseph holds a Personal Investment Advisor (PIA) designation. He completed his high school education at Upland High School and attended Mt San Antonio College without obtaining a degree. Outside of his professional work, Joseph enjoys cooking, traveling, 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.

Shiyi Xia is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Boston. She works closely with clients to develop personalized financial strategies tailored to their long-term goals. Her approach focuses on understanding each client's comprehensive financial picture and adapting strategies to changing market conditions, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise encompasses a range of areas including college education planning, family wealth management, legacy planning, retirement planning, philanthropic planning, portfolio management, and tax minimization. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Shiyi earned a Bachelor's degree from George Washington University and a Master's degree from the University of Massachusetts System. Fluent in English, Mandarin, and Yue (Cantonese), she also dedicates time to community volunteering. Outside of work, Shiyi enjoys boating, cooking, hiking, traveling, and practicing yoga.

Lawrence Hoey is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, he operates Hoey Consulting, a business entity established for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supporting both discretionary and non-discretionary management with resources like LPL Research and third-party subadvisors.

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 with Raymond James Financial Services Advisors, Inc. in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Wells Fargo Advisors LLC for 15 years before joining Raymond James in 2019. Outside of his advisory role, he is involved as an owner of Arroyo Capital Partners, a support company based in Pasadena. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through client interviews and risk profiling, with a notable focus on non-discretionary advisory services.

Jordan Priest is a financial advisor with LPL Financial in Anaheim, CA, holding a Series 66 license and seven years of industry experience. His work history includes roles at Royal Alliance and Benefit Funding Retirement Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Aamir Lalani is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Wells Fargo Bank and loanDepot, as well as experience in the automotive and small business lending sectors. 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 employs a research-driven approach, utilizing diversification principles and modern portfolio theory, while offering a broad range of brokerage and advisory solutions.

Peter Wang is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked with Waddell & Reed Inc and various insurance carriers associated with W&R Insurance Agencies. Outside of his advisory role, he has been involved in insurance sales and has engaged as a limited partner in a rental property business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by model portfolios and research from multiple sources.

Lauren Wong is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping clients navigate complex financial priorities such as retirement planning, college education funding, legacy planning, philanthropic efforts, and small business strategies. She collaborates one-on-one with clients to define their financial goals and develop portfolio strategies designed to meet those objectives. Lauren provides ongoing advice and portfolio adjustments as clients' situations evolve. Lauren holds a Bachelor's Degree from the University of California System and a Master's Degree from George Washington University. She has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her professional work, Lauren is involved with The Richard Nixon Presidential Library & Birthplace. Her personal interests include antiquing, cooking, and reading.

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 at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Bank of America, N.A., including roles at Merrill. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in recommending strategies.