Lily Cai is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm uses structured planning tools and market models to develop client plans and offers various investment and trading activities alongside its advisory services.

Brian Matz is a financial advisor at Equitable Advisors with 31 years of industry experience. His prior roles include positions at LPL Financial, Wedbush Securities, U.S. Bancorp Investments, and Citigroup Global Markets. He is the owner of Matz Wealth Management, Inc., an outside business, and serves as a trustee for a personal trust. Equitable Advisors serves individuals, pension plans, corporations, and institutional clients with financial planning, retirement consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and offers a variety of advisory models, including third-party and proprietary solutions tailored to client risk tolerance and needs.

Nalendra Perera is a financial advisor with J.P. Morgan Securities in Pasadena, CA, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Chase Investment Services Corp. from 2010 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to build model asset allocations and incorporates ESG criteria in its recommendations.

Terry Gordy Jr. is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at SagePoint Financial, Inc. for 14 years. He has also been affiliated with Pepperdine University since 2007. Outside of advising, Gordy is involved with Independent Capital Management Corp. in employee and sales roles. OSAIC serves a diverse client base including retail, institutional, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a range of brokerage and advisory services, emphasizing model-based asset allocation, portfolio optimization, and a variety of program options including Unified Managed Accounts and third-party manager programs.

Roland Cruz is a Wealth Management Planning Consultant with Fidelity Private Wealth Management. In this role, he works with affluent clients and their families to develop multi-generational strategies, focusing on comprehensive wealth planning that emphasizes growth, preservation, and the transfer of wealth. Roland's experience includes positions at Fidelity Investments such as Planning Consultant (2024-2026), Relationship Manager (2022-2024), and Financial Representative (2021-2022). Prior to this, he worked in Treasury Management Operations at City National Bank from 2016 to 2019. He holds a California Insurance License. Outside of his professional work, Roland has interests in baseball, fitness, food, football, golf, and traveling.

Charmaine Chow is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds Series 63 and 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Her prior experience includes roles at Merrill, U.S. Bancorp Advisors, and Wells Fargo. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria, with implementation support from affiliated entities.

Ben Johnson is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and having 37 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment implementation is model-driven, offering access to third-party asset managers and a variety of financial planning and consulting services.

Stephanie Elias is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked with Bank of America since 2022 and has prior experience at USC Credit Union and the University of Southern California. Outside of her advisory role, she is the sole owner of a rental property business. 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 strategies supported by internal and third-party managers for a range of individual and institutional investors.

Mahsa Nobakht Fard is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2004. She holds Series 63 and Series 65 designations. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Lindy Bell is a financial advisor with LPL Enterprise LLC, holding Series 65 and Series 63 licenses and 10 years of industry experience. Her prior roles include work with Net Law and Transamerica Financial Advisors, and she has been active with the National Association of Social Security Analysts and the Association of Certified College Fund Specialists for over five years. She serves as a nonprofit board member for Grace Lion Clug. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and a wrap program, while also facilitating insurance product sales through affiliated entities.

Clifford Robbins III is a financial advisor at LPL Financial with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at BMO Harris Bank, BancWest Investment Services, Bank of the West, and HSBC Bank USA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing various investment strategies and operational tools, and supports a large network of advisors managing substantial discretionary assets.

Cristina Rivera Loya is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 2002 and holds Series 63 and Series 66 designations. 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 for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Davin Chen 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 Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of his advisory role, he serves as a shadow board member for Pacific Academy, providing insight on financial matters such as budgeting and lending. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, with its financial planning centered on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Irene Anderson is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked with PFS Investments Inc. since 2004 and with Primerica Financial Services since 2003. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, providing portfolio management primarily for individual clients rather than institutional plans.

Sevan Karakesisian is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank, N.A. since 2009. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Simon Lui is a financial advisor with Wells Fargo Clearing based in Pasadena, CA. He holds Series 63 and Series 66 licenses and has 14 years of industry experience, including seven years at J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Aaron Henry is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 66, Series 63, and Series 65 designations and has worked at firms including BMO, Wells Fargo Bank, Union Bank, Merrill, and Fidelity. 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 financial planning and portfolio management services through a large network of investment adviser representatives and utilizes various advisory platforms and tools to support client strategies.

Edwin Sanchez is a financial advisor with Morgan Stanley in Los Angeles, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including the use of economic models and simulations, to support its advisory services.

Alexander Arensburger is a Planning Consultant at Fidelity Investments, where he has been working since 2026. He specializes in developing customized financial plans for clients in the Pasadena area, focusing on strategies that align with individual goals. Prior to his current role, he served as a Relationship Manager at Fidelity Investments from 2025 to 2026 and was the Director of Financial Planning at Osaic from 2022 to 2025. Alexander holds a California Insurance License. Outside of his professional work, he enjoys running and surfing.

Ronald Sosa is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA, holding a Series 66 credential and one year of industry experience. His prior roles include positions at Lenox Advisors, Inc., MassMutual Life Insurance Co, and MML Investors Services, LLC. Outside of advising, he is also an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, offering collaborative, annual planning engagements that utilize firm-approved tools to analyze client goals and deliver written recommendations.