J. Paul Escudero is a CFP® with 35 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera and its related entities since 2008 and has operated Orange Capital Management since 1990. Outside of his advisory work, he provides coaching on financial planning software through a software business, Advanced Time Segmentation (ATS). Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a broad range of portfolio management services and access to third-party managers, overseeing over $256 billion in assets across more than 10,000 advisors.

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.

Robert Garcia Jr. is a Series 66-registered financial advisor with 18 years of industry experience. He currently works at LPL Financial and has prior experience at CUSO Financial Services, LP and Wescom Financial Services, LLC. In addition to his advisory work, he served 28 years in the United States Navy. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options.

Patrick Bivona is a CFP® with 39 years of industry experience and is currently affiliated with LPL Financial since 2020. His prior experience includes four years at Sagepoint Financial, Inc. He also serves as a professor with the American Dental Education Association. 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, utilizing both discretionary and non-discretionary management supported by a variety of research and investment strategies.

Jorge Aguilar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has worked at J.P. Morgan Securities since 2016 and was also involved with Jaguilar Brands, LLC from 2019 to 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

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.

Dominador De Guzman III is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Deutsche Bank, Cinergy Financial, and Independent Financial Group. Outside of his advisory role, he serves as a youth basketball referee for a community league in Tustin, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios.

Qianlin Chen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Chen worked at JP Morgan Chase from 2016 to 2018. Outside of work, Chen serves as a successor trustee for a family trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christian Ong is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and having one year of industry experience. Prior to joining Primerica Advisors in 2024, he worked at Primerica Financial Services beginning in 2023. Outside of finance, he has experience working at Chick-fil-A since 2021. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Michael Ray is a financial advisor with LPL Financial in Los Alamitos, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Avantax Investment Services for 27 years and maintains an ongoing tax preparation and financial services business since 1992. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutional entities through a national network of advisors. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services utilizing discretionary and non-discretionary management supported by proprietary and third-party research.

Derek Wilson is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and totaling 16 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation and Nationwide Financial. Outside of his advisory work, he manages Wilson Financial & Insurance Services, LLC, an entity associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Kristopher Lu is a Series 66 licensed financial advisor with Charles Schwab, bringing three years of industry experience. His prior roles include positions at US Bank, JP Morgan, HSBC, and Citi Bank. 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 and discretionary investment guidance using multi-asset model portfolios and alternative investment options, supported by a large-scale, integrated operational structure.

Justin Harmier is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Placentia, CA. He has 19 years of industry experience, including over a decade at Wells Fargo Clearing and a prior year at Wells Fargo Advisors, LLC. 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 approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

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.

Jeffrey Malaterre is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including ABN Financial Group and Bankers Life and Casualty. Outside of his financial career, he has written a book. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Max Yamaguchi is a financial advisor at Primerica Advisors with 35 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1991. Yamaguchi’s other business activities include sales of investment-related products and non-investment-related referrals for home security and automation products through affiliated companies. Primerica Advisors is a large-scale firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and provides discretionary separately managed account options supported by BNY Mellon Advisors and Pershing.

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.

Christopher Vanhorn is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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 at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior experience at JPMorgan Chase Bank and Partners Federal Credit Union. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.