Rick Lam is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. Rick provides ongoing advice and adapts client portfolios as their situations change. His expertise includes college education planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Rick emphasizes communication and engagement with clients and their families to facilitate financial decision-making and educate younger generations about investments. Rick holds a Bachelor's Degree from the University of California System and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of work, he enjoys billiards, chess, pickleball, reading, spending time with his family, swimming, and traveling.

Matthew Bullette is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. His prior work includes positions at Onpointe Wealth Management of Wells Fargo Advisors and roles in education. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm serves a variety of clients, including charitable funds and registered investment companies, and is noted for its use of algorithmic methods and formal advisory role to multiple investment vehicles.

Yuanyuan Liu is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Prior to joining Merrill in 2023, Liu worked at UBS Financial Services Inc. and has held positions in various companies including Marsh USA, Inc. and KCAL P&C Insurance Services. Outside of her advisory role, Liu is employed at a tea shop where she handles customer orders and prepares beverages. Merrill, along 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 with model-based and discretionary investment strategies.

Deeba Zaman is a Resident Director and Senior Financial Advisor with Merrill in Ontario, California. She collaborates closely with individuals and families to provide personalized wealth management strategies. Deeba advises clients on a range of financial topics including college education planning, family wealth management strategies, personal retirement planning, and portfolio management services. She serves as a single point of contact for her clients’ financial questions, helping them establish a clear understanding of their current financial situation and long-term goals. Since joining Merrill in 2007, Deeba has developed her expertise through professional education and earned advanced degrees. She holds a Bachelor's degree from the University of California system and a Master's degree from the University of Southern California. She also holds the Personal Investment Advisor (PIA) designation. Deeba approaches financial advising with attention to both the technical and personal aspects, listening closely to her clients to address their financial needs as well as their aspirations. Outside of her professional role, Deeba enjoys cooking, music, spending time with her family, and traveling. She resides in Southern California with her husband and their Maltese Chihuahua mix, Rocky, and has a particular enthusiasm for Disney.

Gaston Escudero is a CFP® professional with 36 years of industry experience, currently affiliated with Cetera. He has worked at various Cetera entities since 2020 and previously spent 14 years with First Allied Securities, INC. Escudero is also involved with Advanced Time Segmentation, where he provides coaching on financial planning software. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored 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 that supports various investment strategies and program structures.

David Wolfe is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with PFS Investments Inc. since 2013 and has longstanding involvement with Biola University and Cerritos Nazarene Church. In addition to advisory services, Wolfe is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed accounts for individual and high-net-worth clients, operating primarily as a wrap-fee solution. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a tiered percentage-based fee structure and maintaining oversight of its investment models.

Anna Castro is a financial advisor at Edward Jones in Whittier, CA, holding a Series 66 credential with 13 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

John Chau is a CFP®-certified financial advisor with J.P. Morgan Securities, based in Anaheim, CA, and has 27 years of industry experience. He has been with J.P. Morgan Securities since 2012. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis.

Patrick Hanrahan is a financial advisor with Fisher Investments, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Fisher Investments in 2026, he worked at Northwestern Mutual in various roles from 2022 to 2026. Hanrahan also served in the United States Coast Guard from 2017 to 2022 and is involved with Mil/Vet Partners LLC. Fisher Investments serves institutional and private clients globally, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process that incorporates quantitative and qualitative research, tax-aware strategies, and risk management techniques.

Joel Hirchert is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. His prior work history includes roles at Red Bull North America and a period of unemployment before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad network of advisors and branch offices, offering various advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Arthur Velasco is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Citizens Business Bank and LPL Financial since 2018, with prior experience at Raymond James Financial Services and Investment Centers of America. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven strategies.

Angie Feng is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management Group, based in the Orange County Inland Empire Market, Ontario office. She provides holistic wealth management strategies tailored to high net worth clients, focusing on their individual needs and goals. Angie has built extensive client relationships over her 16-year career serving offshore and onshore high net worth individuals, business owners, executives, and families. Her areas of expertise include family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, and retirement income. Angie also advises clients on banking, credit, and custom lending through Bank of America, retirement and investment advisory strategies, estate and wealth transfer planning, and business succession planning. She employs a team-based approach to develop and implement comprehensive wealth plans. Angie holds a Bachelor of Science degree from California State University, Fullerton, with an emphasis in Finance and International Business. She maintains her Series 7 and 66 FINRA registrations, life insurance license, and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Fluent in Mandarin and Cantonese, Angie enjoys cooking, golfing, reading, and spending time with her family in her free time.

Brent Beverly is a CFP®-certified financial advisor with 42 years of industry experience. He is currently with LPL Financial, joining in 2022, and has held prior roles at TAG Financial Inc. and FSC Securities Corporation. Beverly is also involved in mortgage and real estate services along with advisory business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by its research and third-party subadvisors.

Shun Sun is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients build wealth, preserve assets, and achieve long-term financial goals through personalized planning and investment management strategies. His client focus areas include college education planning, executive compensation, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. With over 12 years of experience in the financial industry, Shun has provided professional guidance in consumer banking, financial planning, asset management, and tax optimization strategies. He is skilled at simplifying complex financial concepts for clients and creating clear action plans to help achieve measurable outcomes. Shun demonstrates a commitment to clients' success and adherence to ethical standards. Shun holds a Master of Business Administration (MBA) degree from California State University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, he has interests in badminton, basketball, biking, fishing, golfing, music, pickleball, and traveling.

Joseph Tobin is a financial advisor with LPL Financial in Chino, CA, holding a Series 63 designation and 36 years of industry experience. He previously worked at National Planning Corp for 17 years before joining LPL Financial in 2017. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Harpal Sandhu is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and 32 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. Outside of his advisory role, he has been involved in property management through ownership and landlord activities. 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 through its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Nicole Avila is a financial advisor at Edward Jones with a Series 66 designation and five years of industry experience. She previously worked at Steven Starkley and Equitable Advisors LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Daniel Chung is a financial advisor with LPL Financial in Brea, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Waddell & Reed and various insurance carriers, along with operating his own business entity, Daniel Chung, Inc. He has also spent time affiliated with Southlands Church in a professional capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers diverse financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and utilizes a variety of research and technology tools in portfolio management.

Heidi Frank is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. She previously worked with the Los Alamitos School District before joining Edward Jones. Outside of her advisory role, she serves as Vice President of Philanthropy for the National Charity League in Seal Beach, CA. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,700 financial advisors.

Nina Ruffalo is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. Her work history includes roles at LPL Financial, First Allied Advisory Services, and Cetera, where she has been since 2020. Outside of her advisory work, she is involved with Orange Capital Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporations, charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary options.