Bonnie Hong is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of her advisory role, she is involved as an officer in a real estate-related business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and modeling tools, offering both direct and employer-partnered plans.

Amy Williams is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America in various roles since 2007. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Khalil Ben Hamadi is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he held roles at Curbstand and the University of California, Los Angeles. He is a managing partner of an LLC called Loomora, though he no longer actively devotes time to this business. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Jacqueline Lazerus is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds the Series 66 designation and has worked at firms including First Republic Investment Management, Inc. and FIRST REPUBLIC Securities Company, LLC. She is based in Los Angeles, CA. 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 affiliated brokerage and investment management capabilities.

Michael Nackerud is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA and TIAA-CREF. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process includes firm-approved tools and modeling techniques, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Jia Ni is a financial advisor at Cetera with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Citigroup, HSBC Securities USA, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Kimberly Uymettler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. In addition to her advisory role, she operates her own insurance business, Kimberly Insurance Services, specializing in life and health insurance. Cetera Investment Advisers LLC is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors managing more than $256 billion in assets.

Christina Smith is a financial advisor at Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 credentials with 17 years of industry experience. She has been with Morgan Stanley since 2009, including six years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves individual 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 using firm-approved tools and economic modeling.

Yihan Zhang is a financial advisor with Ameriprise Financial Services, holding CFP®, Series 65, and Series 63 credentials. Zhang joined Ameriprise in 2026 and previously worked at Goldman Sachs & Co. LLC from 2020 to 2025. Outside of advisory roles, Zhang has experience with Vega Tax Services since 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Benjamin Smits is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, Morgan Stanley, and Independent Capital Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction, managing portfolios through systematic methodologies and oversight of affiliated sub-advisers.

Michelle Kir is a Series 66 licensed financial advisor at Merrill with seven years of industry experience. She has worked at Bank of America and Merrill since 2018 and previously spent sixteen years with Wells Fargo Investments. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Byron Duran is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked at Merrill since 2018 and currently serves at Bank of America, N.A. since 2025. Prior to his financial services career, he was employed at MetroPCS and Camino College. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Blum is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 credentials and bringing 23 years of industry experience. His prior roles include positions at Cetera, Woodbury Financial Services, and Pacific Life Insurance Company. Outside of advising, he is an independent insurance agent and the owner of Bless Holdings, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm offers a range of implementation options, including proprietary model strategies and third-party manager referrals, with both discretionary and non-discretionary approaches tailored to client objectives.

John Coury is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His career includes roles at Cathay Bank since 2017 and East West Bank from 2015 to 2017. He serves as Vice President of the California State Board for the World Lebanese Cultural Union, assisting the president with meetings, events, and scheduling. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations.

Todd Porter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Christopher Andres is a financial advisor with Merrill, holding Series 65 and Series 66 designations and three years of industry experience. He previously worked at T-Mobile USA for 13 years before entering the financial services field. Andres is based in West Covina, California. 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 individuals, high-net-worth clients, and various institutional investors.

Simone Smith is a financial advisor at Ameriprise with three years of industry experience. Prior to joining Ameriprise in 2024, she worked at LPL Financial from 2021 to 2024 and spent over a decade at Susan Caliri DDS. She is also involved with Kinecta Wealth Management in an investment management role. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Randy Wang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2022, and previously spent 19 years at Bank of America and Merrill. Outside of finance, he owns and operates a sole proprietorship focused on the purchase and sale of apparel and shoes. J.P. Morgan Securities 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, distribution, and investment management capabilities.

Devlin Chung is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2016. Prior to that, he worked at All County Property Management West and has been involved with Knotico LLC since 2011. 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 options, supported by a nationwide network of more than 23,000 financial advisors and manages approximately $1.01 trillion in assets under management.

Derek Iger is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Pasadena, CA. He has one year of industry experience, including roles in finance and technology, as well as ownership of Noble Films LLC. He has previous experience in the entertainment and storytelling sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that incorporates quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and offers services on a non-discretionary basis, with clients retaining final decision-making authority.