Lawrence Ruiz is a financial advisor with Primerica Advisors in Altadena, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Primerica Advisors since 1999 and also serves at the California School of the Arts, San Gabriel Valley. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of portfolio models and manager selection.

Wilhelmina Lo is a Financial Advisor with Merrill Lynch Wealth Management, dedicated to connecting all aspects of clients' financial lives to help prioritize and pursue the goals that matter most. Her approach focuses on developing personalized strategies that address individual ambitions, including college education planning, executive compensation, equity compensation services, personal retirement planning, portfolio management, and retirement income. Wilhelmina brings 15 years of experience providing unique financial strategies and guidance, particularly in retirement and legacy planning, tax-efficient asset allocation, and maximizing equity compensation strategies. Fluent in English, Chinese, and Yue (Cantonese), she is committed to serving clients from diverse backgrounds with culturally aware and personalized financial guidance. Her professional credentials include the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Wilhelmina earned an Accredited Certificate from Hong Kong Shue Yan University. Outside of her professional work, Wilhelmina enjoys hiking, rock climbing, skiing, and spending time with her family.

George Otto is a financial advisor at RBC Capital Markets with 39 years of industry experience. He holds Series 63 and Series 65 certifications and has worked at City National Bank since 2019 and RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles and investment preferences.

Brian Maclachlan is a financial advisor at Charles Schwab with 26 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab and its affiliated bank since 2000. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, centralized custody, and a formal alternative-investment process.

Kristen Maxwell is a financial advisor with LPL Financial in Tustin, CA, holding a Series 66 credential and six years of industry experience. She has worked at LPL Financial since 2021 and previously held roles with Darci Kelley, Waddell & Reed Inc, and various insurance carriers. 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 advisory and brokerage services through a large network of investment adviser representatives, providing access to financial planning, model portfolios, third-party asset management, and institutional platforms.

Lily Kim is a financial advisor at Fidelity with nine years of industry experience. She holds Series 66 and Series 63 licenses and has been with Fidelity since 2020. Outside of her advisory role, she serves as the financial secretary for Santiago Hills Elementary School’s PTA in Irvine, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Sarah Maymoun is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, LPL Enterprise, and AAA Life Insurance. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program incorporates centralized due diligence with quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Robert Stanton is a financial advisor with Raymond James Financial in Lake Forest, CA, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has worked with Raymond James Financial Services since 2003 and operates Stanton & Castleton, Inc., an independent branch. Outside of his advisory work, he is the owner of Portfolio Design - PSDS Design Inc., a business focused on developing and distributing a financial tool. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning supported by risk profiling and analytical modeling, with a notable municipal advisor affiliation and a range of advisory programs.

Carrie Simmons is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has 20 years of industry experience, including prior roles at The Prudential Insurance Company of America, Pruco Securities LLC, Wells Fargo Advisors, and Merrill. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm typically uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance services.

Bunyan Tom is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 licenses and having 34 years of industry experience. He previously worked at Morgan Stanley and Charles Schwab before joining J.P. Morgan in 2019. Outside of his advisory role, he provides notary services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative screens with qualitative research and incorporates ESG considerations in its recommendations.

Nicholas Romero is a financial advisor at Thrivent Investment Management with 10 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial since 2017, following a one-year tenure at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. Their approach focuses on holistic, goal-based planning covering multiple financial topics, while keeping planning services and managed-account programs separate.

Patrick Mendoza is a financial advisor at Osaic with four years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Mariner Independent Advisor Network, LPL Financial, and Western University of Health Sciences. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and third-party managed strategies.

Michael Guidroz is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been affiliated with Raymond James since 2012 and is the owner of Capital Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through its advisory programs and other providers.

Darian Hogle is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, Bank of the West, and Principal Securities. He is also the owner of Insure OC Insurance Agency. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Valerie Bozich is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. She has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2001. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks where appropriate.

Kishore Mirchandani is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 12 years. Mirchandani serves as a board member for ADF Foods Ltd and is active in insurance-related activities, including offering various health and life insurance products. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, providing a range of brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and recent consolidation activity.

Andrew Mason is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 66 designations and one year of industry experience. His prior work history includes roles at Cambridge Investment Research, Inc. and Twins Chiropractic. Cambridge Investment Research Advisors serves a diverse clientele, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base across multiple platforms and provides access to proprietary model strategies and third-party advisers.

Paul Castro is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes roles at Cetera, UnionBanc Investment Services, and an 11-year tenure at Caliber Picture Framing. He is involved in several business activities outside of advisory work, including an insurance agency and tax and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions and supports advisors with advanced research and operational tools.

Jeffrey Nguyen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He previously worked at Edward Jones for four years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and employs diversification principles and modern portfolio theory in its investment evaluation.

Christina Chang is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. She has worked with Cetera and related entities since 2022 and previously spent four years at East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services and operates a multi-manager platform with extensive program options and affiliations.