Jacob Aruta is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Outside of his financial career, he is involved with USC and the Los Angeles Memorial Coliseum. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide array of advisory programs including tailored financial planning supported by firm‑approved tools and methodologies.

William Blum is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He previously worked at LPL Financial and Ameriprise Financial, and spent four years at San Diego State University. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Lok Tin Wang is a financial advisor with Charles Schwab who holds a Series 66 designation and has two years of industry experience. His prior work includes multiple roles at Charles Schwab Bank and Charles Schwab & Co., Inc., as well as experience at PTD Enterprise and the University of California-San Diego. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and maintains a centralized operational and supervisory structure.

Suzanne Castruita is a financial advisor with Merrill in Torrance, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Merrill since 2006. Outside of her advisory role, she is involved as the caregiver of an 11-year-old boy and manages related responsibilities. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Victor Hazard III is a financial advisor with Cetera, holding the PFS™ designation and Series 63 and 65 licenses, and has 39 years of industry experience. His background includes roles at Fiduciary Trust and Avantax Advisory Services, with over four decades of experience managing his own consulting practice, Hazard Financial. He is also a partner at a tax preparation and accounting firm. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary strategies.

Mckenzie King is a financial advisor at Morgan Stanley with 5 years of industry experience. He holds the Series 66 designation and has worked at multiple Morgan Stanley entities since 2018. Prior to his advisory career, he worked at Chick-Fil-A and was involved with California State University, Long Beach, as well as the Mission Oaks Recreation and Park District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Flavio Atoche is a financial advisor at Wells Fargo Clearing with six years of industry experience and holds a Series 66 designation. Prior to joining Wells Fargo in 2019, he worked at Robert Half and has also been involved with Slurpin' Ramen Bar and academic roles at the University of Southern California and Fullerton College. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, integrating research from the Wells Fargo Investment Institute and utilizing diversification principles in its investment approach.

Brett Bell is a financial advisor at RBC Capital Markets with one year of industry experience. He holds a Series 66 designation. His prior work experience includes roles at Bell and Lowell, Beach Social LLC, and AutoNation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ individual risk profiles.

Keegan Cohen is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase Bank, Paymentus Corporation, Oracle, and GVB Medical. Cohen also attended the Kellogg School of Management. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its selection process.

Karen Codman is a financial advisor with Osaic Wealth, Inc. based in Long Beach, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at FSC Securities Corporation for 17 years before joining Osaic in 2023. Outside of her advisory role, Codman serves on the Long Beach City College Foundation Board of Governors and is involved with the Long Beach Chamber of Commerce, where she participates in government affairs. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms and third-party money managers. The firm employs advanced portfolio construction tools and provides a range of managed account solutions.

Victor Correa is a financial advisor at Fidelity with 10 years of industry experience. He holds a Series 66 designation and has worked previously at JP Morgan Securities and Ameriprise Financial Services. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, and serves as a commodity pool operator and adviser to multiple registered investment companies.

Gary Fournier is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan since 2014. Outside of his advisory role, Fournier is involved in entrepreneurial ventures including PuppyWash Inc., a pet services company where he serves as co-founder and board member, and ValueGOV, a software company focused on park management, where he acts as CEO and board member. 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 operates on a non-discretionary basis, combining large institutional advisory services with broker-dealer and investment adviser registrations.

Richard Yorke is a financial advisor at Ameriprise with 22 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2023, following prior roles at Pfs Tax CPAs LLP and LPL Financial. In addition to his advisory work, Yorke is involved in tax preparation through his ownership of Yorke & Associates CPAs, Inc. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with substantial investable assets. The firm uses a centralized consulting team and a combination of modeling and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, emphasizing assets held in Ameriprise-managed accounts.

Courtney Shan is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. Her career includes roles at Cathay Bank, East West Bank, Bank of America, Merrill, and multiple positions within the University of California system. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform that includes both affiliated and third-party investment options.

Zachary Dewhirst is a financial advisor at Fidelity with Series 66 credentials and less than one year of industry experience. His prior work includes roles at Northwestern Mutual and Azusa Pacific University. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from a broad investable universe.

Riki Vear is a financial advisor with Morgan Stanley in El Segundo, CA, holding a Series 66 designation and bringing 16 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients, emphasizing tailored financial planning and a structured planning process supported by firm-approved tools and research.

Thomas Weber is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining J.P. Morgan Securities, he worked at BOFA Securities, Bank of America, Cadaret Grant & Co., Inc., and BlackRock Investments. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework.

Isabel Irvine is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2015. She employs a hands-on, goals-based approach to wealth management, focusing on understanding her clients' assets, liabilities, portfolios, and personal goals. Isabel also assists companies in managing their 401(k) plans to address the needs of both the company and its employees. She holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Isabel earned her bachelor's degree in Public Administration from California State University Fullerton and her MBA in Business Administration from Chapman University in Orange, California. She is a member of the Certified Financial Planning Association and the National Association of Plan Advisors. Outside of her professional work, Isabel enjoys spending time with her family and friends, as well as engaging in activities such as baseball, basketball, cooking, football, music, reading, tennis, and yoga. She resides in Orange, California.

Yohan Chung is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Crown Wealth Management and Biola University. Outside of his advisory roles, he has been involved with the Orange County Children's Therapeutic Arts Center for five years. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment approaches, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices nationwide.

Eric Chu is a financial advisor at Morgan Stanley in Torrance, CA, holding Series 63 and Series 66 licenses with six years of industry experience. His prior roles include positions at U.S. Bancorp Investments, U.S. Bank, and Calico Inc, alongside his ongoing engagement with Graceland Investment since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of services that include estate planning and corporate financial planning agreements.