Clifford Kim is a financial advisor at Guardian Life with 24 years of industry experience and holds a Series 66 designation. His career includes 14 years at Prudential Insurance Company of America and recent roles at Park Avenue Securities and Guardian Life. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with a range of brokerage services, financial planning, and investment advisory programs.

Intcher Bramlett is a CFP® professional at Capital Group Private Client Services, Inc. with two years of industry experience. Prior to joining Capital Group Private Client Services in 2024, Bramlett was affiliated with Capital Group Companies from 2015 to 2024 and operated as a self-employed advisor from 2016 to 2020. Outside of advising, Bramlett serves as trustee of the Intcher K Bramlett Living Trust, managing real estate investment properties. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach with separate account programs, mutual funds, ETFs, and access to private equity and alternative strategies.

Andrea Rossato is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 22 years of industry experience. He has been with Citigroup Global Markets and CITI Private Bank since 2010. Outside of his advisory role, he manages a rental property in Los Angeles. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal oversight and manages both discretionary and non-discretionary portfolios, supporting large institutional clients with distinctive market roles and arrangements.

Benjamin Fife is a financial advisor at EP Wealth Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at TD Ameritrade Inc., Charles Schwab Bank, and Charles Schwab during his career spanning from 1994 to 2024. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation. The firm employs a combination of fundamental, technical, and cyclical analysis, as well as alternative investment options, to construct customized portfolios.

Kyung Mee Lee is a Series 66-licensed financial advisor with 24 years of industry experience. She is currently affiliated with Primerica Advisors and has held roles at Guardian Life Insurance Company, Park Avenue Securities, LLC, and AXA Advisors, LLC. Lee is also involved with Dickerson Employee Benefit in a non-investment capacity. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement-plan consulting, utilizing a range of proprietary and third-party investment strategies and platforms.

Hubert Nhan is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Citigroup in 2021, he worked at JPMorgan Securities LLC and JPMorgan Chase Bank from 2012 to 2021. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm uses multi-asset, multi-manager strategies supported by internal oversight and provides both discretionary and non-discretionary solutions.

Nathaniel Velasco is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 63 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Charles Bachtell is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with LPL Financial since 2025 and has worked at Western International Securities, Inc. since 2013. Outside of advising, he serves as President and Managing Partner of the Academy of California Examinations, which provides exam preparation for financial services licensing. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various technologies to support its investment strategies.

Douglas Eaton is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 37 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models to support its financial planning services.

Christopher Caira is a financial advisor with MassMutual Investors Services in Los Alamitos, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with MML Investors Services and MassMutual Life Insurance Company since 2003. Outside of his advisory role, he is a co-owner of rental property businesses with his brother. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering a variety of investment and insurance solutions.

Robert Bayliff is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Cuso Financial Services, L.P. and Water and Power Community Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Kenneth Ibbetson is a financial advisor with Wells Fargo Clearing in Brea, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the sole owner of Nature's Realm, a business unrelated to his investment work. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets with more than 14,000 financial advisors.

Hadi Fakhoury is a CFP®-certified financial advisor with 15 years of industry experience, currently with Morgan Stanley in Los Angeles, CA. His prior roles include positions at Bank of America, N.A. and Merrill. Outside of advising, he has ownership and officer roles in several restaurant and hospitality businesses in Orlando, FL, serving as a silent or active partner in these ventures. Morgan Stanley Wealth Management provides advisory services and financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and offers a range of investment and financial products.

Ernie Salgado is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and previously held roles at Bank of America and Continental Currency Services. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various organizations.

Rozina Rupani is a financial advisor at Ameriprise with 13 years of industry experience. She holds the Series 66 designation and has worked at multiple firms including U.S. Bancorp Investments, LPL Financial, and Kinecta Financial & Insurance Services. Rupani also has outside employment as a registered client associate with Kinecta Federal Credit Union. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, using a centralized consulting team to deliver non-discretionary, research-driven recommendations that incorporate tax-efficient strategies and asset management within Ameriprise accounts.

Duke Susilasate is a financial advisor at Morgan Stanley in Los Angeles, CA, holding Series 65 and Series 63 licenses with 23 years of industry experience. He has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer that serves both individual and institutional clients with comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and offers planning services that incorporate structured discovery processes and advanced modeling tools.

Huan Bin Lee is a financial advisor with Morgan Stanley, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, and previously at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2021. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Brian Emde is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been associated with various Cetera entities since 2021 and previously worked at VOYA Financial Advisors from 2015 to 2021. Outside of his advisory role, he manages a rental property. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships, with over $256 billion in assets under management and more than 10,000 advisors.

Kevin Qin is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, N.A., and Merrill, as well as time spent at the University of California and Arcadia High School. 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, offering model-based and discretionary investment strategies for individual and institutional clients.

Arya Hajari is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, Hajari held positions at several firms including Aramark, Capstone Financial Advisors, and GameStop. Outside of finance, Hajari works in the hotel industry at Studio 6, handling paperwork, check-ins, and basic maintenance. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves retail and institutional investors through discretionary portfolio management, fund advisory, and model portfolios.