Randall Miller is a CFP®-certified financial advisor with 24 years of industry experience, currently with Cetera. He has been associated with Cetera and Cetera Wealth Services, LLC since 2015. Outside of his advisory work, he serves on the alumni advisory board for the Jefferson Scholars Foundation and volunteers with the CFP Board Center for Financial Planning to support diversity and youth involvement in the profession. He also serves as a hearing panelist for the Certified Financial Planner Board of Standards. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers.

Xin Li is a financial advisor with Cetera who holds a Series 66 designation and has two years of industry experience. Prior to joining Cetera in 2024, Xin worked at Cathay Bank starting in 2021. Xin’s background also includes roles at New York University and Michigan State University. Cetera Investment Advisers LLC is an SEC-registered adviser that serves 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 options ranging from automated allocations to bespoke strategies.

Stephen Moore is a Series 66-licensed financial advisor at Charles Schwab with five years of industry experience. Prior to joining Schwab in 2025, he was employed at Merrill and Bank of America from 2019 to 2025. Charles Schwab & Co., Inc. serves a large client base, primarily 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 a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Kristina Liuag is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2026. She previously worked at Ameriprise Financial Services in various capacities from 2013 to 2026. Outside the financial industry, she is employed as a visual associate at J. Crew Group, where she is responsible for store layout and maintaining retail standards. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Donald Moulton is a financial advisor with UBS Financial Services in El Segundo, CA, holding a Series 63 designation and 47 years of industry experience. He has been with UBS Financial Services since 1990. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides customized financial planning and portfolio management using proprietary research and model-based asset allocations.

Lacey Somwaru is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Morgan Stanley, she worked at TTFB CA LLC and has experience in education and fitness sectors, including roles at the University of California, Los Angeles, and LifeTime Fitness. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services using firm-approved tools and a structured discovery process.

Xenia Sedano is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds the Series 63 and Series 65 designations. Sedano has worked with Wells Fargo Bank and Wells Fargo Clearing Services since 2016. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Benjamin Koehlinger is a financial advisor at Thrivent Investment Management with 19 years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Outside of his advisory role, he serves as Vice President of the Majors Division for the Lakewood Village Little League, organizing games and coordinating league activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning focused on a broad range of financial topics and allows clients to combine planning with managed accounts under a consolidated billing option.

Ludinila Pangan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with J.P. Morgan Securities since 2012 and previously worked at Chase Investment Services Corp. and Wamu Investments, Inc. She is currently based in Buena Park, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates forward-looking capital market assumptions to build model asset allocations.

Steve Nigoghossian is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Charles Schwab and TD Ameritrade. Charles Schwab 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 a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custody and order-routing systems.

Cody Hale is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and three years of industry experience. Prior to joining Thrivent, his work history includes roles in automotive sales and detailing as well as experience at the University of California, Irvine. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written financial recommendations across various planning areas without implementation. The firm offers a holistic, goal-based approach and separates its planning and managed-account services while maintaining periodic reviews of client plans.

Nailah Khan is a financial advisor at Edward Jones with 19 years of industry experience, including 12 years at Edward Jones. She holds the Series 66 designation. Outside of her advisory role, Khan serves as Vice President of a local referral networking group and is a board member of The LGBTQ Center in Long Beach, participating in strategy meetings and donor engagement. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Jesus Mendez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Bank of America, Merrill, JPMorgan Chase Bank, and J.P. Morgan Securities. He also served in the United States Marine Corps Reserve for six years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions across a large network of advisors.

David Adishian is a Wealth Management Advisor and Managing Director leading the Adishian Group at Merrill Lynch Wealth Management. For over two decades, he and his team have provided financial guidance to individuals, executives, entrepreneurs, and their families. Their expertise includes wealth preservation and growth strategies, particularly following significant financial transactions or life events. The group also supports businesses in key industries such as transportation, real estate, apparel, manufacturing, entertainment, technology, and sports with services including lending and cash management. David holds a Bachelor’s degree in Business Economics from the University of California at Santa Barbara, where he graduated with Omicron Delta Epsilon honors, and a Juris Doctor from Pepperdine University School of Law, where he was a Margaret Brock Scholar. He maintains professional designations including Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor®, and is a member of the State Bar of California. David actively participates in the community through roles with organizations such as the Los Angeles World Affairs Council & Town Hall, the University of California, Santa Barbara Foundation, the Petersen Museum’s CF200 Executive Committee, and the Manhattan Beach Education Foundation. His approach centers around understanding clients’ life priorities to create personalized financial plans tailored to their goals and aspirations. David has been recognized by Forbes as one of the “Best-in-State Wealth Advisors” for eight consecutive years, reflecting his commitment to delivering consistent, disciplined wealth management services. Outside of his professional work, David enjoys biking, hiking, and spending time with his family.

Natalie Barron is a CFP®-certified financial advisor with UBS Financial Services, where she has worked since 2004. She has 21 years of industry experience and holds a Series 66 license. Outside of her advisory role, she leads the Long Beach chapter of Provisors, a professional networking organization, and volunteers on event planning committees for nonprofit and healthcare organizations including Able ARTS Work and the Memorial Medical Center Foundation. She also serves as a continuing education sponsor and presenter for the CFP Board. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory services, including portfolio management and financial planning. The firm integrates proprietary research and model-driven asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Micaiah Harounian is a financial advisor at Cetera with a Series 65 credential and one year of industry experience. His prior work includes a four-year period at Bel Air Bay Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates as a multi-manager platform with over $256 billion in assets under management.

Jonathan Kiester is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-based financial planning agreements.

Michael Weber is a financial advisor at LPL Financial with 24 years of industry experience. He previously worked at Grove Point Investments, Grove Point Advisors, Diversified Securities, and H. Beck, Inc. Outside of advising, he is involved in website maintenance through DSI Properties, Inc. 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 a range of financial planning and investment services, including access to model portfolios, third-party asset management, and institutional platforms.

Joseph Palompo is a financial advisor at Fidelity with 32 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes five years with Wells Fargo Clearing before joining Fidelity Investments, where he has worked since 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Alfonso Tapia is a financial advisor at Fidelity with seven years of industry experience. He previously worked at Merrill Lynch for eight years and spent one year at Bank of America before joining Fidelity in 2026. He holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.