Erinleigh Baldivia is a financial advisor at Charles Schwab with 15 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2014 and also worked at Charles Schwab Bank SSB from 2014 to 2023. She holds a Series 66 designation. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management options, combining multi-asset model portfolios with a distinctive operational structure that integrates advisory, brokerage, and custody services.

Victor Correa is a financial advisor at Fidelity with 10 years of industry experience. He holds a Series 66 designation and has worked previously at JP Morgan Securities and Ameriprise Financial Services. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, and serves as a commodity pool operator and adviser to multiple registered investment companies.

Marcos Lacson is a financial advisor at Merrill with Series 63 and Series 66 designations and 30 years of industry experience. He has been with Merrill since 1994. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Swanner is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Kestra Private Wealth Services, Hilltop Securities, and Mira Costa Community College. His background includes roles spanning wealth management and financial services. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Coleman is a financial advisor with LPL Financial in Claremont, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with LPL Financial since 2013. 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, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and various portfolio management options.

Yohan Chung is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Crown Wealth Management and Biola University. Outside of his advisory roles, he has been involved with the Orange County Children's Therapeutic Arts Center for five years. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment approaches, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices nationwide.

Edwin Young Jr. is a financial advisor at Cetera with 29 years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Cetera and Cetera Wealth Services since 2019 and previously spent seven years at VOYA Financial Advisors. In addition, he owns Young's Tax & Financial Services, a business providing tax preparation, accounting, audit representation, and fixed insurance product sales. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, with more than 10,000 advisors and over $256 billion in assets under management.

Hank Tsai is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with six years of prior experience at Cathay Bank and two years at Citibank. He joined Morgan Stanley in 2025. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations to support its advisory services.

Mindy Cheng is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Bank of America and Merrill. She has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Arthur Lin is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC for a combined ten years. He holds a real estate license and manages an asset management business alongside his advisory role. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning through written Recommendation Reports and ongoing advice. The firm’s investment approach incorporates proprietary research, third-party data, and specialized tools within a product ecosystem influenced by affiliated sub-advisers and fund arrangements.

Maria Vargas is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She focuses on building meaningful partnerships with her clients by understanding their goals, values, and financial circumstances to provide personalized financial guidance. Her professional experience includes positions as Relationship Manager (2023-2025) and Financial Representative (2021-2023) at Fidelity Investments, as well as roles as a Financial Service Professional at LA Pension Planners and Equitable from 2020 to 2021. She holds a California Insurance License. Outside of her professional work, Maria is involved in activities such as fitness, exploring culinary interests, social events with friends, caring for pets, traveling, and volunteering.

Oreste Volkert is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as President of the Brea Little League, overseeing league operations and community activities in Brea, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and affiliated banking programs.

Philip Cheng is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, Bank of the West, and BancWest Investment Services. Outside of his advisory role, he co-owns a dog sitting and doggie day care business in Glendora, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ying Gao is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She concurrently owns and supervises operations at Best Quality Food Company Inc, a meat distribution business. 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 applying an ESG eligibility framework in its recommendations.

Shishir Shastry is a financial professional with seven years of industry experience, currently affiliated with Cetera. He holds Series 65 and Series 63 licenses and has worked at multiple firms including Minnesota Life Insurance Co, MassMutual Investors Services, and Pruco Securities LLC. Outside of advisory roles, he is involved in charitable pharmacy discount promotion through BuzzRx and works as a part-time real estate agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with diverse program structures and custodial relationships.

Neil Faulmino is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Citigroup, JP Morgan Securities, and Chase Bank. 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 a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Margarita Gover is a Series 66-registered financial advisor at Edward Jones with eight years of industry experience. She has worked at Edward Jones since 2018 and previously at Gexpro Services for three years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Jingdi Sun is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has been with J.P. Morgan Securities and JPMC BANK NA (Southwest) since 2015. 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. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ricardo Rosas is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Bank and JP Morgan Chase Bank. He is based in Baldwin Park, CA. 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.

Freeman Leung is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 30 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at multiple financial firms during 2016-2017 and has owned Glamor Nails & Spa, a personal services nail salon, since 2018. 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 applying an ESG eligibility framework when recommending investment strategies.