Hisela Chinchay is a financial advisor with Charles Schwab in Seal Beach, CA, holding Series 65 and Series 63 licenses and eight years of industry experience. She previously worked at Ameriprise and WESCAP Group before joining Charles Schwab. Charles Schwab 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Glen Ferrand is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in 1996 at Merrill Private Wealth Management in Geneva, Switzerland. Glen and his team provide wealth management strategies and services to individuals, families, foundations, and institutions, focusing on risk management and customized financial strategies. He holds several professional designations, including Chartered Financial Analyst (CFA®) Charterholder, Certified Financial Planner (CFP®) Professional, Financial Risk Manager (FRM®), Certified Plan Fiduciary Advisor (CPFA®), and Certified Divorce Financial Analyst (CDFA®) Professional. Glen is a regular member of The Global Association of Risk Professionals and serves as an active committee member of the Ethics & Advocacy Group within the Los Angeles Society of Financial Analysts. He earned a bachelor's degree from Ecole de Commerce and speaks French, German, and English. Glen currently resides in Manhattan Beach with his wife and three children. His areas of client focus include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, and retirement income. He is also involved with the Los Angeles Society of Financial Analysts through committee work.

Vincent Jacobs is a financial advisor with LPL Financial based in Huntington Beach, CA. He holds the Series 66 designation and has nine years of industry experience, including seven years at Edward Jones and prior roles in mortgage services and equipment sales. Outside of his advisory work, he is involved in real estate mortgage services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Casi Dileva is a financial advisor with Ameriprise in El Segundo, CA, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. Prior to joining Ameriprise in 2024, she worked at Wells Fargo Clearing Services and Nationwide Insurance, among other firms. She also has an ongoing role in independent insurance brokering, specializing in life and long-term care insurance products. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored, tax-aware retirement income planning supported by a centralized service team.

Carolyn Cahill Asher is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. She has been with Raymond James since 2008. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services among other investment solutions.

John Hannah is a Financial Consultant at Fidelity Investments, where he assists individuals and families in developing customized financial plans. His focus areas include investments, retirement planning, income strategies, and tax-efficient investing, aiming to support clients in achieving their personal and financial goals. John's professional experience includes roles as a Planning Consultant, Relationship Manager, and Investment Solution Representative at Fidelity Investments from 2021 to the present. Prior to joining Fidelity, he worked as a Junior Analyst at Harvey & Company LLC and as a Financial Advisor at Edward Jones. He holds a California Insurance License. Outside of his professional work, John has interests in cars, football, pets, reading, and traveling.

Steven Klahorst is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at various Cetera entities since 2020 and previously spent two decades at First Allied Securities. In addition to his advisory role, he owns Golden Hills Investment Advisors and serves as a fiduciary for a family interactive account. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform utilizing both affiliated and third-party managers.

William Shin is a financial advisor with LPL Enterprise in Garden Grove, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at JP Morgan Securities LLC, The Prudential Insurance Company of America, and Pruco Securities. He is also a licensed agent for non-variable insurance through Prudential. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, model portfolio programs, third-party asset management, and access to brokerage and insurance products through its integrated platform.

John Obrien is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Penates Group Inc. and Otto Capital Management, each for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.

John Ong is a financial advisor with Primerica Advisors in Carson, CA, holding Series 63 and Series 65 designations and over 22 years of industry experience. He has been with Primerica Advisors since 2002 and has worked with Primerica Financial Services since 2000. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on non-institutional client portfolios.

Joshua Barnum is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. He previously held roles at Bank of America, JPMorgan Chase Bank, and Cox Communications. Outside of his advisory work, he is the owner of Financial Hedge LLC and serves as successor trustee for the B Family Revocable Trust. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fernando Cruz is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has held positions at firms including LPL Financial, Bank of America, and Merrill. Cruz is based in La Mirada, CA. 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 employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Sean Bryant is a financial advisor with Ameriprise in Huntington Beach, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined nine years before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income, Social Security, and tax strategies. The firm combines research-driven modeling and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Kenneth Hickman is a financial advisor with Ameriprise in Long Beach, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Ameriprise and related entities since 2018, with prior roles at Wells Fargo Corp and US Bank. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Christian Masariego is a CFP® with 10 years of industry experience currently affiliated with Charles Schwab in Torrance, CA. His prior experience includes roles at TD Ameritrade, BancWest Investment Services, Bank of the West, and Fidelity. Charles Schwab 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 combines a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by proprietary research and alternative investment options.

Jennifer Toney is a financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2013 and is currently associated with Morgan Stanley Private Bank, National Association. Toney holds a Series 66 designation. Outside of her advisory role, she is involved in managing an investment property in Mammoth Lakes, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery and firm-approved tools to model outcomes.

Christian Frost is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Fidelity and its affiliates since 2010. Christian works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model strategies.

Lisa Hodus is a Series 66-credentialed financial advisor with Merrill in Marina Del Rey, CA, and has 19 years of industry experience. She has been with Merrill since 2006. In addition to her advisory role, she occasionally works as a commercial actor on a limited basis. 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 individual, high-net-worth, pension, corporate, and charitable clients.

Moses Lee is a financial advisor at Fidelity with two years of industry experience. He holds Series 65 and Series 63 designations and previously worked at NYLife Securities LLC and New York Life Insurance. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios, and it holds distinctive roles such as a commodity pool operator registration and advisory functions for multiple registered investment companies.

Cesar Chavez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and JP Morgan Chase Bank. Outside of finance, he works as a music booking manager, coordinating live performances for various events. 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 institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.