Willow Lau is a Series 66-licensed financial advisor with Morgan Stanley in Pasadena, CA, with three years of industry experience. Prior to joining Morgan Stanley’s Wealth Management division in 2022, she worked for Morgan Stanley Bank Asia Limited from 2015 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 utilizing firm-approved tools and quantitative models to assist clients in developing financial plans.

Austin Heberger Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He worked at Wells Fargo Advisors LLC from 2003 to 2019 before joining Raymond James in 2019. He is also a partner at Arroyo Capital Partners, a financial advisory business based in Pasadena, CA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using advanced risk and outcome modeling, and supports its clients through a broad network with specialized services including municipal advisory and SIMPLE IRA employer consulting programs.

Kimberly Rico is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 credential. She has worked at Merrill since 2009 and has also been associated with Bank of America since 1993. Outside of her advisory role, she serves as a co-trustee of The B Family Trust. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Shawna Gwin is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2000. Outside of her advisory work, she is the managing member of Midnight Performance LLC, a business involved in marine and automotive parts and boat service and repair. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Ching Yu Lam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. Lam holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, and Wells Fargo Bank. Before entering the banking industry, Lam spent two years at Los Angeles City College. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Kevin Etter is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has worked previously at SagePoint Financial, LPL Financial, and CML Wealth Management. In addition to his advisory role, he serves as a financial consultant at Veater Financial Group. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a broad range of asset classes, offering both discretionary and non-discretionary account management.

Ryan Newman is a Financial Consultant at Fidelity Investments, where he currently focuses on assisting families with comprehensive retirement plans and personalized investment strategies. He has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Ryan's professional background includes experience in financial consulting and planning, as well as banking, having worked as a Personal Banker at Wells Fargo from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan enjoys baseball, fishing, football, hiking, music, and spending time with his pets.

Christopher Zambrano is a CFP® professional with 14 years of experience in the financial services industry. He is currently with LPL Financial and has prior experience at Wells Fargo Clearing and Wells Fargo Bank. Outside of advisory work, he is involved with Guayacali Music, which generates royalty income. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, supported by a broad network of over 22,800 advisors.

Mark Hammond is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. Outside of finance, he is a self-employed musician. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a nationwide network of over 14,000 advisors.

Walter Wodtke is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank NA since 2007. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Siera Baghoomian is a financial advisor at UBS Financial Services with one year of industry experience. She holds a Series 66 designation and has prior roles at the University of Southern California, the City of Glendale, Glendale Community College, and Hoover High School. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Jacqueline Quiroz is a Series 66-licensed financial advisor at Morgan Stanley in Brea, CA, with 12 years of industry experience, all of which has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Secular Return Estimates and Monte Carlo simulations, as part of its financial planning process.

Mitsue Yang is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021, following prior roles at UnionBanc Investment Services and MUFG Union Bank. 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.

Angele Ohannessian is a financial advisor with J.P. Morgan Securities in Pasadena, CA. She holds the Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities, she worked at JPMORGAN Chase Bank, Equitable Advisors, and Express. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Marc Rodriguez is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior work includes roles at UnionBanc Investment Services and MUFG Union Bank. Outside of his advisory career, he serves as a board member for the La Verne Girls Softball Association, a community organization focused on youth sports. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages extensive client assets and employs structured planning processes supported by firm-approved tools.

Nathan Logan is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Prior to joining Morgan Stanley, he spent one year at Citigroup Global Markets, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides financial planning through structured discovery and modeling techniques.

Robert Albert is a financial advisor with LPL Financial in Pasadena, CA, holding a Series 66 designation and four years of industry experience. He has previously worked at Cadaret Grant & Co, Inc. and Morgan Stanley Smith Barney LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services through a large network of advisors and utilizes various investment strategies, including model portfolios, third-party subadvisors, and customized allocations.

Jorge Cabrera is a financial advisor at Wells Fargo Clearing in Pasadena, CA, with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, after a tenure at Wells Fargo Bank, N.A. beginning in 2006. Outside of his advisory role, he owns a party and event planning business called Sincerely By Me. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Noella Rae Yap is a financial advisor at Merrill with seven years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Tiffany & Co. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Nora Li is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has worked at Edward Jones since 2022 and previously held positions at AIA and SCOR. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.