Anh Huynh is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and over 20 years of industry experience. He has worked at Sagepoint Financial, Inc. and Independent Capital Management, where he also serves as a senior district manager and offers insurance and estate planning services. Additionally, Anh Huynh is a certified Citadel Estate Planner and provides notary services for living trusts. OSAIC serves a broad range of clients, including individual investors and institutions, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and third-party platforms to construct and manage diversified portfolios tailored to client risk profiles.

Hratch Andreassian is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with high-net-worth individuals, retirees, business owners, and foundations, assisting them in achieving their financial goals through strategies such as investment guidance and risk management, lending and liability management, retirement income planning, asset preservation, wealth transfer, tax minimization, and charitable and estate planning. With over 21 years of experience and qualifications as a Portfolio Manager, Mr. Andreassian leverages the resources of a global investment firm to provide customized wealth management solutions. He holds multiple professional certifications including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Private Wealth Advisor (CPWA®), and Retirement Management Advisor (RMA®). He also holds a Master's degree with a concentration in finance and continues to pursue ongoing professional education annually. Mr. Andreassian resides in Glendale, California with his wife Olga and their children Michael, Sophia, and Isabella. Outside of his professional career, he enjoys activities such as yoga, cycling, golfing, skiing, and photography.

John Heller is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Cetera and Cathay Bank for extended periods and serves as a compliance officer for Cathay Bank while also participating as a board member of a homeowner's association. Cetera Investment Advisers LLC operates as a large multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers.

Weihsiung Liang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 1999 and is also the owner of a CPA firm, Liang & Company Accountancy Corp, which provides accounting and tax services. Additionally, he works as an insurance agent, selling life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with access to affiliated and third-party managers.

Manuel Hernandez III is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Morgan Stanley in various roles between 2015 and 2023. Outside of his advisory work, he serves as a professor at Rio Hondo Community College. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services with a range of portfolio management styles and affiliated research resources.

Laura Guerrero is a CFP®-certified financial advisor at Ameriprise with 24 years of industry experience. She previously spent 21 years with Edward Jones before joining Ameriprise in 2020. Guerrero also owns Zaragosa Elite Wealth Management, LLC, a business that manages expenses for her Ameriprise franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, with an investment process that incorporates internal research, third-party data, and algorithmic tools.

Edward Motley is a financial advisor with Mass Mutual Investors Services in Whittier, CA, holding the ChFC® designation and Series 63 and 66 licenses, with 28 years of industry experience. His career includes roles at MML Investors Services and Mass Mutual Life Insurance Company, as well as entrepreneurial work under his own name. Outside of his advisory work, he is involved in consulting on life settlements and provides legal service referrals related to estate planning. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools.

Yue Chen is a financial advisor at Morgan Stanley with a Series 66 designation and six years of industry experience. Chen has been with Morgan Stanley Private Bank, N.A. since 2020 and has also worked at Morgan Stanley Smith Barney LLC since 2018. Prior to joining the firm, Chen attended UC San Diego from 2014 to 2018. Morgan Stanley Wealth Management is a full-service investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves both direct clients and those through corporate financial planning agreements.

Andrew Fung is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 66 designation and has been associated with Fidelity Investments since 2011, including roles at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm applies a combination of proprietary fundamental research and quantitative analysis, using systematic methodologies and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Javier Lopez is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 credentials and has eight years of industry experience. His work history includes positions at J.P. Morgan Securities since 2017 and JPMorgan Chase Bank, N.A. since 2015, as well as two years at Circle K. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers these services through a select group of Wealth Advisors on a non-discretionary basis.

Jennifer Burton is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery and modeling tools, while managing approximately $2.74 trillion in client assets.

Linda Polwrek is a CFP® professional with 16 years of industry experience, currently advising at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, Inc., various insurance carriers, and operating her own firm, Linda K Polwrek, Inc. She has also been involved with community organizations such as the Pasadena Senior Center and the Pasadena Showcase House for the Arts. 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 provides a range of advisory programs, financial planning services, and utilizes both discretionary and non-discretionary management supported by research and model portfolios.

Andy Guardado is a Series 66-licensed financial advisor with Merrill in Montebello, California, with seven years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2010. Outside of his advisory role, he serves as a director for H & A Concrete Pump, a construction company involved in financing equipment for concrete pouring. 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 a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ku'oko'a Glory is a financial advisor with Charles Schwab in Pasadena, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, Glory worked at Raymond James Financial and First Hawaiian Bank among other financial institutions. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by multi-asset model portfolios and centralized operational infrastructure.

Julian Aguallo Cruz 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 been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Jonathan Chan is a financial advisor with UBS Financial Services in Pasadena, CA, holding a Series 66 designation and seven years of industry experience. He previously worked at Ellie Mae and Velocify and served as a director at 2GoTrade Limited, a software services company focused on trading platforms for local brokerages in Hong Kong and Shenzhen, primarily in a limited, contingency capacity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services, including discretionary portfolio management and fee-based financial planning.

Helen Zhou is a financial advisor with Cetera in Pasadena, CA, holding a Series 66 designation and 21 years of industry experience. Before joining Cetera in 2018, she worked at U.S. Bancorp Investments and U.S. Bank. She also serves as Senior Manager of Wealth Sales and Strategies at East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party strategies.

Leroy Kawai is a financial advisor with OSAIC, holding a Series 63 license and having 33 years of industry experience. His career includes roles at Royal Alliance Associates and Signator Investors, along with a long tenure at Pacific Bridge. He serves as Vice President of the Citrus Estate Planning Council, a local chapter of the National Association of Estate Planning Councils, assisting with program planning. OSAIC serves a diverse range of retail and institutional clients through an extensive network of affiliated advisors, offering integrated brokerage, advisory services, financial planning, and access to third-party money managers and managed-account solutions. The firm utilizes asset-allocation tools and supports both discretionary and non-discretionary account management.

Jonathan Mclean is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association, and previously at Citigroup Global Markets. In addition to his advisory work, he owns and manages a rental property with the assistance of a property manager. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Gregory Babykin is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 credential. Outside of his advisory role, he is involved as an individual contractor. 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 and financial planning services utilizing structured planning tools and proprietary market projections.