Veronica Pfohlman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. She has been with Primerica Advisors since 2025 and has a background that includes roles in education and tax preparation. Outside of her advisory work, she has experience in educational and tutoring services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee its investment offerings.

Santiago Arreola Marcial is a financial advisor with Merrill in Brea, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill since 2018 and previously held positions at Instacart and Farmers and Merchants Bank of Central California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Felipe Saavedra is a Series 66-licensed financial advisor at Fidelity, with professional experience beginning in 2020. He previously worked at Mahe from 2021 to 2025 and has been with Fidelity Investments since 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including offering discretionary and non-discretionary portfolio management and fund advisory services. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in managing model portfolios.

Bevan Poyyak is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and Partners Federal Credit Union during his career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to develop model asset allocations and incorporates ESG considerations within an eligible strategies framework.

William Anastas is a financial advisor with LPL Financial in Los Alamitos, CA, holding Series 63 and Series 66 registrations and bringing 37 years of industry experience. His prior roles include positions at FSC Securities Corporation and OSAIC, along with operating his own tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms with a focus on diverse investment strategies and operational support tools.

Nicolas Alamillo is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He collaborates with individuals to develop customized financial plans tailored to their unique situations and goals. His work focuses on retirement planning, income strategies, and tax-efficient investing. Nicolas has accumulated experience within Fidelity Investments through various roles, including Investment Consultant (2025-2026), Planning Consultant (2022-2025), and Relationship Manager (2021-2022). He holds a California Insurance License.

Gina Nguyen is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012 with a total tenure of approximately 14 years, alongside a five-year period at Deluxe Beauty. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research, incorporating ESG criteria and broader derivatives and commodities capabilities.

Steven Delpino is a financial advisor at Edelman Financial Engines in Anaheim, CA, holding Series 65 and Series 63 licenses with three years of industry experience. His work history includes roles at Edelman Financial Engines and The Vanguard Group, as well as a brief period at Lyft, Inc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process paired with planner delivery and online tools, offering diversified portfolios, rebalancing, and a long-term investment orientation.

Tim Chu is a Financial Consultant at Fidelity Investments, where he currently focuses on Wealth Planning, including Investment Strategies, Retirement Planning, and Income Planning. He aims to guide clients in discovering ways Fidelity can support them and their families in achieving their financial goals. Tim has held several roles at Fidelity Investments, progressing from Investment Solutions Representative (2021-2022) to Workplace Planning Consultant (2022-2023), Planning Consultant (2023-2024), and currently Financial Consultant since 2024. Prior to Fidelity, he worked as an Annuity & Life Insurance Specialist at Auto Club of Southern California (2020-2021), and as a Financial Advisor at JPMorgan Chase & Co (2009-2010) and Metlife (2006-2008). He holds a California Insurance License.

Joseph Klahorst is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently with Cetera and has held positions at First Allied Advisory Services and First Allied Securities. In addition to his advisory work, he owns Golden Hills Investment Advisors. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary accounts.

Matthew Quan is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. He has been associated with Cetera and its affiliated entities since 2014 and operates a tax preparation business under the name Gordon T. Quan. Quan also volunteers with AARP to assist low-income and elderly individuals with tax returns and is a certified firearms instructor. Cetera Investment Advisers LLC serves a range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning services, and access to third-party money managers, managing over $256 billion in assets with more than 10,000 advisors nationwide.

Bryan Wright is a financial advisor with Primerica Advisors in Santa Ana, CA, holding Series 63 and Series 65 licenses and totaling 17 years of industry experience. He has been with Primerica Advisors since 2009 and has also worked at Bristol Farms and The First Tee of Orange County. Outside of financial advising, he has involvement in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies supported by third-party asset managers and custodians. The firm operates at scale with thousands of advisors and offices, managing approximately $15.5 billion in assets.

Erin Goodrich is a Wealth Management Advisor at Merrill Lynch Wealth Management who works primarily with business owners and their families. She helps clients understand the integration of their business and personal finances, especially in complex or interconnected financial decisions. Erin's expertise includes investments, banking and lending, cash flow planning, tax-aware strategies, and evaluating business investment decisions. She collaborates closely with clients' CPAs, attorneys, and other advisors to align financial strategies with clients' goals. She holds a Master of Science in Financial Planning from the College for Financial Planning and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor® (CEPA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Erin is experienced in assisting business clients through all stages of business ownership, focusing on planning for business succession and estate strategies. Outside of her professional work, Erin is involved with community organizations such as the Cal State Fullerton Children's Center, Epilepsy Connection, Friends of Joshua Tree, and Girl Scouts of Orange County. Her personal interests include camping, cooking, hiking, painting, photography, reading, rock climbing, spending time with family, and writing.

Joseph Trabert is a financial advisor at Osaic with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America, Inc. for 16 years. He is also president of Kei Financial, where he is involved in insurance sales and risk analysis as part of comprehensive financial planning. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and diverse product offerings.

John Lentz is a financial advisor with Morgan Stanley in Santa Ana, CA, holding a Series 63 designation and bringing 60 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individuals and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Margaret Sheldon is a CFP® with 35 years of industry experience, currently serving as a financial advisor at LPL Financial since 2022. Her prior experience includes positions at Securities America Advisors and National Planning Corporation. She has also operated Sheldon Office Services for over three decades. LPL Financial is a national broker‑dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management programs and supports its advisors with various research and operational tools.

Nicolas Culver is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with various entities within the J.P. Morgan organization since 2014 and is also associated with The Culver Trust DTD. 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 and fund searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and includes a broader range of regulatory registrations compared to many institutional programs.

Trenton Hinely is a financial advisor with LPL Financial based in Anaheim, CA. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Public Legacy and Hurley, as well as positions outside finance such as with Cavalry Ambulance and Buffalo Wild Wings. 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, supported by extensive research and operational tools.

Daniel Ketchum is a financial advisor with Raymond James Financial in Santa Ana, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Raymond James Financial Services since 2004. Ketchum also participates in third-party research within the 401(k) plan space through occasional surveys for financial services firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals and supports various advisory programs and institutional portfolio management.

Triet Huynh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at JP Morgan Securities LLC since 2014 and at JP Morgan Chase Bank, N.A. since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.