Jiaoling Cai is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She has worked at JP Morgan Chase Bank and JP Morgan Securities since 2019 and previously held roles at Unionbanc Investment Services and MUFG Union Bank from 2016 to 2019. Cai holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm offers services on a non-discretionary basis, with client decision-making authority retained.

Argam Aghazarian is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Thrivent Financial since 2018, following prior roles at Eagle Strategies and New York Life. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority, and offers its services on both a one-time and ongoing basis.

Manuel Chinchay is a CFP®-credentialed financial advisor with 15 years of industry experience. He is currently with LPL Financial and has previously worked at FSC Securities and The Advisory Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options, supported by research and technology tools, and manages over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Taras Polakoff is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His background includes roles at LPL Financial, the City of Irvine, and Premier Aquatic Services LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Gregory Dobbs is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 66 designation and previously worked at HUB International for two years before joining UBS in 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Melissa Phillips is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including seven years at Morgan Stanley Private Bank, N.A. Based in Los Angeles, she also manages a sole proprietorship involved in real estate property management. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized investment offerings.

Jose Ching is a financial advisor with Ameriprise in Monterey Park, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in multi-family real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies.

Junko Nagai is a financial advisor at LPL Financial with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley & Co. LLC, U.S. Bancorp Advisors, BancWest Investment Services, and Bank of the West. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Trevor Kleineahlbrandt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Western International Securities, Inc. for 23 years. He serves on the Board of Directors for Lytle Creek Firing Line, a nonprofit organization. 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. The firm offers a broad range of financial planning and investment solutions, including model portfolios and institutional platforms, supported by advanced research and operational tools.

Jason Pugmire is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation. His prior work experience includes roles at Charles Schwab Banks SSB and Charles Schwab & Co., Inc., as well as positions outside the financial sector such as Surgical Esthetics. Charles Schwab & Co., Inc. serves primarily 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 offers a mix of non-discretionary and discretionary investment options, leveraging multi-asset portfolios and alternative investments within a large, integrated operational structure.

Nicholas Smith Sr. is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. He has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018, and previously at City National Bank from 2015 to 2018. 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, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Zachary Ayala is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding a Series 66 designation. He has been with the firm since 2025 and previously worked at Northwestern Mutual Investment Management and other financial and non-financial roles. He is also an insurance broker with Lenox Advisors, involved in life, disability, long-term care, fixed annuities, and health insurance sales. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning and estate-settlement programs.

Jerry Candia is a financial advisor with LPL Financial in Monrovia, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has worked at LPL Financial since 2009 and previously at UBS Financial Services and Citicorp Investment Services. Outside of his advisory work, he coaches the Monrovia High School Mountain Bike Club. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research, operational tools, and a range of investment strategies.

Samuel Martinez is a financial advisor at OSAIC with one year of experience in the industry. He holds the Series 66 designation and has worked previously at RABco Financial, Pointwealth Capital Management, El Proyecto del Barrio, Verizon, and Ross Dress for Less. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm employs a range of asset-allocation tools and offers integrated brokerage, advisory services, and access to third-party money managers and wrap programs.

Haissam Alrachid is a financial advisor with Equitable Advisors in Pasadena, CA, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. Outside of his advising duties, he serves as CFO and Secretary for the nonprofit No Mind Left Behind. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver a range of investment solutions without sponsoring its own wrap fee program.

Rick Mowdy is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2019 and previously held roles at Sure Co Health & Life, Tax & Financial Group, Minnesota Life Insurance Co, and Securian Financial Services Inc. Mowdy serves as co-chair of the Mihaylo College of Business & Economics Executive Council in Fullerton, CA. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Raymond Siu is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and TD Ameritrade Inc. He is also a joint tenant on a residential property where he collects rent from an additional unit. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm provides integrated brokerage, custody, and advisory solutions supported by multi-asset portfolios and a formal due diligence process for alternative investments.

Michael Rogers is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and Deutsche Bank. He is also employed by JPMorgan Chase Bank, where he offers certain bank products and services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

David Melgar is a financial advisor at Edward Jones with 14 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at J.P. Morgan Securities, Merrill, Bank of America, and JPMorgan Chase Bank. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sean Chang is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2013. Outside of his advisory role, he participates as a user providing short reviews and user experience feedback for a corporation based in San Francisco. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with various portfolio implementations including tax-aware options and access to strategic asset allocation.