Karen Chang is a Financial Consultant currently working with Fidelity Investments since 2023. She partners with clients and their families to create and implement personalized financial plans, focusing on engagement and involvement in their financial journeys. Her approach aims to develop plans that provide confidence and peace of mind regarding clients' most important financial matters. Karen has extensive experience in the financial services industry, having served as a Financial Consultant at E*TRADE from 2018 to 2023 and as a Branch Manager at Scottrade from 2001 to 2018. She holds a California Insurance License, supporting her work in financial consultation and planning.

Garrett Earls is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade Inc. Outside of his advisory role, he serves as a high school football official with the Foothill-Citrus Football Officials Association and is a board member of the OCS Foundation, which provides scholarships to families in need. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research and due diligence on alternative investments.

Molly Sakahara is a financial advisor with Morgan Stanley in Los Angeles, holding Series 63 and Series 65 licenses with 26 years of industry experience. She has been with Morgan Stanley Private Bank since 2016 and Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves on the finance committee and board of SoCal Squash, a social and recreational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools in its planning approach.

Lilta Talavat is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services, First Republic Securities Company, and JPMORGAN Chase Bank. In addition to her advisory role, she is a licensed Notary Public. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their process incorporates quantitative and qualitative due diligence and includes capabilities in derivatives and commodities.

Shiqing Deng is a financial advisor at Edward Jones in Orange, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, Deng worked for Societe Generale Corporate and Investment Banking from 2015 to 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and provides a variety of advisory services through a large network of financial advisors and branch offices nationwide.

Jin Kim is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses. His career includes roles at Bank of America, Merrill, and Fidelity Investments, as well as a period of self-employment with Kim Translation's. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Joseph Naiman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with individuals, businesses, and nonprofit organizations, focusing on investment management, retirement planning, and philanthropic services. Joseph collaborates with clients to develop detailed wealth plans and investment frameworks, helping them implement strategies suited to their financial situations. His expertise includes retirement strategy, long-term planning, investment analysis, and management of individual and small business retirement offerings, including 401(k), profit sharing, and defined-benefit plans. Joseph has been with Merrill since 2012 and has worked in financial services since 2007. He previously held positions at Northwestern Mutual as a Financial Security Associate, New England Financial as a Financial Advisor, and began his career as an Equities Trader with Chimera Securities. He earned both his Bachelor of Science degree and his Master of Business Administration from the University of California, Los Angeles. Joseph holds the Chartered Financial Consultant (ChFC) and Certified Plan Fiduciary Advisor (CPFA) designations, among others. Born and raised in southern California, Joseph lives in the area with his wife and three daughters. He has served on the board of the Los Angeles Valley College Foundation. In his free time, Joseph enjoys basketball, boxing, camping, hiking, skiing, table tennis, traveling, and spending time with his family.

David Kim is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2026, he worked in automotive sales at several dealerships, including Penske Land Rover Puente Hills, Porsche Beverly Hills, McKenna Porsche, and BMW of Buena Park. Edward Jones is a full-service wealth management firm serving more than four million clients across individual and institutional segments. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

William Hoa is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMC BANK NA (Southwest) since 2016. Outside of his advisory work, he operates an online sales business specializing in rare Nintendo products and secondhand items. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory program focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG frameworks where applicable.

Khushwant Thandi is a financial advisor with LPL Financial, holding Series 66, Series 63, and Series 65 credentials and bringing 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at CUNA Brokerage Services and Wells Fargo Investments. He also serves as a retirement plan representative at SchoolsFirst FCU. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Wendy Wei is a financial advisor with Merrill and holds Series 63 and Series 66 licenses. She has 19 years of industry experience, including 14 years with Bank of America, N.A. and Merrill. Prior to that, she worked at Wells Fargo Investments and Wells Fargo Clearing. Outside of advising, she serves as a general partner and managing member of two single-member LLCs unrelated to investment activities. 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 supported by internal and third-party managers for a broad client base including individuals, high-net-worth clients, and institutional investors.

Daniel Tomlinson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of areas including legacy planning, college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Daniel works closely with individuals, couples, and businesses to develop personalized financial strategies aligned with their long-term goals. Daniel holds a Bachelor’s Degree from Southern Methodist University and is a Personal Investment Advisor (PIA). He is affiliated with the Irvine Chamber of Commerce and draws on his background as a former Marine to build strong, trust-based relationships with clients. His approach emphasizes understanding what matters most to clients and collaborating with them to navigate financial decisions throughout different stages of life. Outside of his professional work, Daniel enjoys spending time with his family, watching movies, and playing baseball. He also actively participates in his community through volunteering, reflecting his commitment to service both personally and professionally.

Steve Kang is a financial advisor with J.P. Morgan Securities, holding the Series 66 designation and three years of industry experience. He has previously worked at Merrill Lynch and Bank of America, among other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence, quantitative and qualitative research, and an ESG eligibility framework.

Brian McTear is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He collaborates with clients to co-create and implement financial strategies aimed at managing wealth and pursuing investment planning goals. His approach focuses on building trust and understanding to develop wholistic, goals-based strategies that provide consistency, confidence, and clarity in investment and retirement planning. Brian's experience in the financial services industry includes positions as Relationship Manager and Financial Representative at Fidelity Investments, as well as Registered Representative at Guardian Life-Park Avenue Securities. He holds a California Insurance License, supporting his work in financial planning and investment management. Outside of his professional activities, Brian has interests in beach activities, fitness, music, parenthood, and volunteering.

Isaac Diaz is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to his current role, he worked at JPMorgan Chase Bank, N.A. from 2017 to 2022 and spent three years at In-N-Out Burger. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Joshua Goeppner is a financial advisor with Ameriprise in Torrance, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Nieke Ritonga is a financial advisor with LPL Financial in Glendora, CA, holding a Series 66 designation and 11 years of industry experience. Prior to joining LPL Financial in 2025, Ritonga worked at Western International Securities, Inc. for 16 years and Coordinated Wealth Management, LLC for 10 years. Ritonga is also involved in tax preparation and accounting through a related business activity. 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 portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various tools and strategies.

Scott B. Min is a Financial Advisor with Merrill Lynch Wealth Management, providing services since 2015. He specializes in assisting individuals, families, and business owners with complex financial decisions through coordinated wealth management strategies. Scott works with clients to integrate diverse financial areas such as investment management, retirement planning, cash management, lending, wealth transfer, and philanthropic strategies, often collaborating with other professionals to align clients' financial lives with their broader objectives. He holds the CERTIFIED FINANCIAL PLANNER®, Certified Private Wealth Advisor®, and Chartered Retirement Planning Counselor™ designations. Scott earned a Bachelor of Science degree from the University of California, San Diego, and completed the Wealth Management Theory & Practice program at the Yale School of Management. Fluent in English and Korean, he values clear communication in guiding clients through significant financial decisions. Scott is an active member of Rotary International and the Bank of America Asian Leadership Network. Outside of his professional role, he pursues interests in golfing, reading at the beach, and training to complete all of the Abbott World Marathon Majors.

Matthew Kriege is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Business Incentive Solutions and Philz Coffee. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Shiela Imperial is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research and incorporates ESG considerations, with implementation supported by affiliated investment management entities.