Melissa Lam is a financial advisor with Merrill in Pasadena, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Her career includes multiple tenures at Merrill and Citigroup, including Citigroup Global Markets. 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 accounts.

Kevin Duong is a CFA® charterholder and holds a Series 66 license with five years of industry experience. He has worked at firms including East West Bank, JP Morgan Chase Bank, First Republic, and Wedbush Securities. He is currently affiliated with Cetera in Pasadena, CA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts 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 access to various model portfolios and program options.

Isabel Ho is a financial advisor at UBS Financial Services with nine years of industry experience. She has been with UBS Financial Services Inc. since 2016. Isabel holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to tailor investment strategies.

Eugene Wang is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Western International Securities, Inc. for ten years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and model portfolio management.

Ally Li is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, NA, Wells Fargo Clearing Services, LLC, JP Morgan Chase Bank, NA, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Tiffany Collins is a financial advisor with Charles Schwab in Arcadia, CA, holding Series 63 and Series 65 licenses, with 27 years of industry experience. She has been with Charles Schwab Bank and Charles Schwab Co., Inc. since 2000. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and maintaining a large-scale, integrated operational structure.

Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. Charles Schwab & Co., Inc. serves 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 services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Hilary Campbell is a financial advisor at OSAIC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors Inc and Lone Eagle Wealth Services, where she is a partner. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences, participating in video training and outreach. OSAIC Wealth, Inc. serves a diverse client base ranging from individuals to institutions by providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to build portfolios encompassing various asset types, with management options tailored to client preferences.

Joannie Ngo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. She has worked with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team. The firm offers these services on a non-discretionary basis, combining ESG eligibility frameworks with an extensive internal review process.

Mitchell Hedlund is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2019. Outside of his advisory role, he serves as a lacrosse coach for youth teams at Agoura High School and Calabasas High School. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on quantitative asset-allocation modeling and manager due diligence. The firm offers non-discretionary advisory services through a select group of wealth advisors.

Ruchita Trivedi is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. She has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2022, following five years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment services integrated with brokerage, custody, and cash-sweep solutions.

Mei Guo is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 25 years of industry experience. She has been with Cetera and its affiliated entities since 2006 and also has a longstanding role at Cathay Bank since 2006. Cetera Investment Advisers LLC is an SEC-registered firm serving a range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors, with assets under management exceeding $256 billion.

Paul Wu is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. J.P. Morgan Securities LLC 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.

Brian A. Garcia is a financial advisor with Raymond James & Associates in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Raymond James in 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, using various portfolio management styles supported by firm research and affiliated sub-advisers.

Mengxin Zhou is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2024, Mengxin worked at the Law Offices of Sevak Bagumyan for three years and Intercontinental Exchange for four years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Livmillie Arias is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. Based in San Dimas, CA, she provides investment advisory services through a major institutional firm. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Donovan Koah is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. His prior roles include positions at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Yuxia Ma is a Wealth Management Advisor with Merrill Lynch Wealth Management. She serves many wealthy families in the Asian American community and oversees retirement benefit assets for corporate clients. Fluent in Mandarin, she assists business owners in addressing their fiduciary responsibilities and strategic planning for their retirement plans, including 401(k), profit sharing, defined benefit, and deferred compensation plans. She also supports executives, entrepreneurs, and multigenerational families in wealth preservation, growth, and transfer strategies tailored to their unique needs. Yuxia holds multiple professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified 401(k) Professional (CkP), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Certified Exit Planning Advisor (CEPA). She earned a Master's Degree from the California State University system and a Bachelor's Degree from BengBu Medical School. She is experienced in corporate executive services, family wealth management strategies, executive compensation, tax minimization, and fiduciary advisory services. Her personal interests include antiquing, gardening, hiking, interior decorating, and traveling. Yuxia is committed to building strong client relationships and bringing her knowledge and experience to support important financial decisions.

Rinaldo Ritonga is a financial advisor with LPL Financial in Monrovia, CA, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He previously worked for Western International Securities, Inc. for 25 years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Zejia Leung is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining J.P. Morgan in 2020, Leung worked at Bank of the West and BancWest Investment Services. Outside of advising, Leung assists with accounting for a family-run beauty product wholesale business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.