David Nguyen is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior work includes positions at World Financial Group and First City Realty. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with diverse program structures and investment options.

Shaquawn Schasa is a financial advisor with Cetera, holding a Series 66 designation and over 20 years of industry experience. He has worked previously at firms including Pruco Securities LLC, The Prudential Insurance Company of America, and Securian Financial Services Inc. Schasa serves as board chair for the Los Angeles Community Development Foundation and volunteers with the Rich Heritage Foundation, which supports HBCU athletes through basketball conferences. Cetera Investment Advisers LLC is a large SEC-registered advisory platform serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Lulu Lo is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and seven years of industry experience. She has worked at J.P. Morgan Securities since 2019 and previously spent seven years with KinFine USA, Inc. and time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Kevin Han is a financial advisor with OSAIC, holding a Series 66 license and 18 years of industry experience. His prior roles include positions at Woodbury Financial Services, Questar Asset Management, and Wells Fargo. He is also president of Cornerstone Financial Planning, a corporation focused on marketing and business planning for his advisory practice. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and multiple program options, supported by a complex affiliate network and private-equity ownership.

Samee Dokovic is a financial advisor at Morgan Stanley in Long Beach, CA, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to joining Morgan Stanley, Samee worked in various roles at California State University, Fullerton, Target Co., Orange Coast College, and Costa Mesa High School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Rhonda Finby is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. She previously worked at UBS Financial Services for 12 years before joining Wells Fargo in 2016. Outside of her advisory work, she is involved in distributing health and wellness products, including independent distributor roles with Life Wave and Bemer Group. 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 supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Joshua Anspaugh is a financial advisor with LPL Financial in Anaheim, CA, holding the Series 63 and Series 66 designations and bringing 13 years of industry experience. He has previously worked at D.A. Davidson & Co. and Raymond James & Associates Inc. Outside of his advisory work, he is involved with Anspaugh Oil and Gas 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

David Steinmetz is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2019. He helps clients develop strategies to address their specific wealth planning goals. Prior to his current role, he held various positions at Fidelity Investments, including Investment Consultant, Relationship Manager, Stock Plan Consultant, and Financial Representative, gaining comprehensive experience in financial services since 2014. David holds a California Insurance License, which supports his work in providing financial consultation and planning. Outside of his professional career, he enjoys activities such as spending time at the beach, playing and watching football and tennis, hiking, and reading.

Daniel Ruddock is a financial advisor with Primerica Advisors in Santa Fe Springs, CA, holding Series 63 and Series 65 designations and two years of industry experience. His work history includes positions at NeoGenomics, PFS Investments Inc., Primerica Financial Services, and Alcon Vision. He is involved in sales of investment-related products and receives compensation for referring home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies managed by unaffiliated asset managers and supported by third-party custodians.

Joseph Garza is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Joseph has a bachelor's degree from the California State University System. Further details about his experience, specific expertise areas, or personal interests have not been provided.

Thomas Mann is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His prior work includes roles outside the financial sector, such as positions at In-N-Out Burger and Regional Finance. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with comprehensive financial planning and investment programs, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and advisory services but generally does not provide individual security recommendations as part of standalone financial plans.

Randy Mc Andrew is a financial advisor with Ameriprise in Lakewood, CA, holding a Series 66 designation and 26 years of industry experience. He worked at American Express Financial Advisors for 21 years before joining Ameriprise in 2020. Outside of advising, he owns a construction company and operates an online business selling military surplus and other items. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with personalized recommendations delivered through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Krishna Agnihotri is a financial advisor with LPL Financial, holding the Series 66 designation and bringing 23 years of industry experience. His career includes roles at Crown Capital Securities, Foresters Equity Services, IOF Forsters, and Ameriprise. In addition to advisory work, he devotes time to insurance sales as an independent agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Etsuji Oizumi is a financial advisor at Cetera with 13 years of industry experience. His prior roles include positions at Avantax and MassMutual, and he operates Bentley Tax Company, where he provides tax preparation services. Oizumi also provides retirement planning and financial advice through Advantage Tax & Wealth. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Kristin Charlebois is a financial advisor with Osaic, holding a Series 66 designation and three years of industry experience. She has worked with Royal Alliance Associates, Inc. since 2023 and has been involved with Pension Portfolios at Royal Alliance Associates since 2004. Outside of her advisory work, Charlebois provides notary public services as a courtesy to clients. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services featuring model-based asset allocation and portfolio optimization, with options for discretionary management and third-party money managers.

Paul Salas is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2019, currently also with Morgan Stanley Private Bank, N.A. from 2023. Prior to his financial services career, he held positions at T-Mobile US, Inc, Living Spaces, and HIT Mobile. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to support its financial planning services.

Wenyong Hu is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, and Wells Fargo 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Shadden is a financial advisor with Morgan Stanley, holding a Series 66 designation and seven years of industry experience. He previously worked at Nomura Asset Management and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015 and 2016, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and employer-sponsored financial planning agreements.

Kathryn Simmons is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is involved with OCC Installations Inc., a construction and engineering business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm employs structured planning tools and models outcomes using resources like the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Megan Rodriguez is a Series 66-licensed financial advisor with 17 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following prior roles at Morgan Stanley and Citigroup Global Markets. Outside of her advisory work, she serves as treasurer for the Marine View Middle School Parent Teacher Student Association in Huntington Beach, CA, and is a notary public in Orange County, CA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to a wide range of clients including individuals, corporations, and institutions. The firm offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.