Lily Lu is a CFP® practitioner at OSAIC with 27 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over 14 years. Outside of her advisory role, she provides fixed insurance products to clients. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through a large network of affiliated advisors, offering integrated brokerage and advisory services along with various managed account solutions. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary account management.

Scott Cheo is a CFP®-certified financial advisor with 17 years of industry experience. He is currently affiliated with LPL Financial and Partners Federal Credit Union. His prior roles include positions at Schwab Wealth Advisory, Charles Schwab, Optimize Financial Inc., Wells Fargo Advisors, City National Bank, City National Securities, and Bank of the West. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning services, and retirement plan consulting with both discretionary and non-discretionary management options.

Adriana Wagner is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2019. She has progressed through several roles within the firm, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as a Banker at US Bank in 2018. Her work focuses on collaborating with clients to identify strengths and opportunities within their financial plans and co-creating strategies tailored to their individual goals. Adriana holds a California Insurance License. Outside of her professional responsibilities, Adriana enjoys spending time at the beach, gardening, traveling, playing golf, exploring food, and caring for pets.

Andre Lee is a financial advisor at OSAIC holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cal State Fullerton University, Pasadena City College, Mister Car Wash, Colombo's Italian Restaurant, and the Evangelical Formosan Church of Alhambra. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs various asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client needs.

William Fetter is a financial advisor with Edward Jones in Orange, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he coaches a team at St. Norberts School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large national network of financial advisors and branch offices.

Jun Min Koh is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2009. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Robert Mustafa is a CFP® with nine years of industry experience and is affiliated with LPL Financial in Torrance, CA. He has worked at Pence Wealth Management Corporation and LPL Financial since 2016. Outside of his advisory role, he serves in the United States Army Reserves. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Steven Reed is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009. Reed holds a Series 63 designation. 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 integrates institutional advisory services with brokerage, distribution, and investment management capabilities.

Jenny Choe is a financial advisor at LPL Financial with 10 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Vartan Grigoryan, Waddell & Reed, and Foresters Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Mariah Simmons is a financial advisor with Primerica Advisors in Carson, CA, holding Series 63 and Series 65 licenses and having two years of industry experience. Her prior work includes roles at the Department of Defense and Horseshoe Casino Baltimore. She is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Sandra Kassis is a Planning Consultant at Fidelity Investments. In her current role, she partners with advisors and their clients to provide personalized financial planning support, aiming to assist clients in navigating important financial decisions with clarity and confidence. She focuses on supporting clients as they work toward their long-term financial objectives through thoughtful planning and ongoing guidance. Sandra has been with Fidelity Investments since 2020, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Her experience encompasses various aspects of financial advising and client relationship management. She holds a California Insurance License, which supports her work in the financial services field.

Joseph Addy is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 23 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at UnionBanc Investment Services for nine years. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a broad menu that includes retirement, education, risk, and wealth-transfer planning, as well as specialized offerings such as business-owner transition and special-needs analysis. The firm employs proprietary research, planning tools, and simulation models to develop tailored recommendations delivered through client meetings and summary reports.

Marco Cisneros is a CERTIFIED FINANCIAL PLANNER™ professional with 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors.

David Reasoner is a financial advisor with LPL Financial in Orange, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with LPL Financial since 2010. Outside of advisory work, he is involved with Back Nine Insurance in a non-variable insurance capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Jacob Meis is a financial advisor with LPL Financial in Fullerton, CA, holding a Series 66 designation and bringing 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, BancWest Investment Services, Bank of the West, Global Financial Data, and Scottrade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

James Swanson is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo since 2014, including his current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Stephanie Shields is a financial advisor at Thrivent Investment Management with 31 years of industry experience. She has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Shields holds Series 63 and Series 65 licenses and is based in Costa Mesa, California. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a large network of Financial Advisors. The firm offers holistic, goal-based financial planning across a broad range of topics, with the option to combine planning with managed-account services under a consolidated billing model called “WealthPlan.”

Wally Luciano is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. 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 grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Douglas Hanna is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo NA and AIG Retirement Services prior to joining J.P. Morgan. Hanna is based in Long Beach, CA. J.P. Morgan Securities LLC 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. Services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

John Meinert is a financial advisor with LPL Financial in Long Beach, CA, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing a combination of discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.