Christian Frost is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2010. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its use of algorithmic methods and AI in research, its role as a commodity pool operator, and its advisory services to multiple registered investment companies.

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 Series 63 and Series 65 licenses and three years of industry experience. He previously worked at NYLife Securities LLC and New York Life Insurance. Fidelity’s Strategic Advisers LLC 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, and serves as a registered commodity pool operator with formal advisory roles to multiple funds.

Cesar Chavez is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 credentials. His career includes roles at Bank of America, Merrill Lynch, and J.P. Morgan entities, and he also works as a music booking manager arranging live performances for various events. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, manager searches, and customized reporting. The firm combines quantitative and qualitative research to build model allocations and offers access to a range of investment strategies, including those with an ESG framework.

Scott Frunzi is a financial advisor with LPL Financial in Huntington Beach, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked for The Vanguard Group for six years and Rothman's NY for one year before joining LPL Financial in 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services delivered through a large network of advisors using model portfolios, third-party subadvisors, and customized strategies.

Adrian Gaytan is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has worked at JPMorgan Chase Bank, J.P. Morgan Securities LLC, Chase Investment Services Corp., and Morgan Stanley & Co. LLC. Outside of his advisory role, he is involved as an owner and partner in a residential property business operating under Airbnb. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities through related affiliates.

Hoor Bhavnani is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2007. Outside of his advisory role, Bhavnani serves as assistant treasurer for Science of the Soul, a nonprofit organization based in Irvine, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Josue Martin Martin is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has worked with MassMutual Life Insurance Co and MML Investors Services since 2024. Prior to his current roles, he was employed at Iconix Fitness and Crescent Capital Group, LP, and has academic experience from Amherst College and Harvard-Westlake School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs and educational seminars, focusing on collaborative, goal-based planning without exercising investment discretion.

Lewis Le is a financial advisor with Merrill holding a Series 66 designation and 16 years of industry experience. He has been with Merrill and Bank of America since 2011. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Lisa Chapman is a financial advisor with UBS Financial Services in Seal Beach, CA, holding the Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at UBS since 1990. Outside of her advisory role, Chapman serves on the board and finance committee of the Memorial Medical Center Foundation and mentors at-risk youth through Operation Jump Start in Long Beach, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and tailored portfolio management.

Pan Kwe is a financial advisor at LPL Financial with 32 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His career includes roles at Wescom Financial Services, Wells Fargo Investments, U.S. Bancorp Investments, and Cetera. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gerry Andrade is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 25 years of industry experience. He has previously worked at Avantax Advisory Services and Avantax Insurance Services, with a career spanning over three decades that includes running his own accounting and tax preparation business. Outside of his advisory work, Andrade operates a tax preparation and accounting firm. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to various investment strategies and third-party managers.

Joshua Kondo is a Series 66-licensed financial advisor with Wells Fargo Advisors. He has worked at Wells Fargo Advisors since 2021 and previously had a 19-year career in education spanning several schools and universities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including niche areas like business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Ralph Occhino is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 43 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1988 and serves as president of Ralph Occhino Inc., a support company providing services to his sole proprietorship. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using risk profiling and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Becky Tapper is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured financial planning process.

Michael Hardin is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services. His investment advisory practice focuses on delivering personalized strategies that address the unique ambitions and priorities of his clients. Michael’s areas of expertise include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, Managing New Wealth, and Portfolio Management Services. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California System.

Shawn Gruver is a CFP® with 23 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. His prior experience includes roles at UBS Financial Services and Morgan Stanley. Outside of his advisory work, he is involved in a hybrid control and motion planning business focused on dynamical legged locomotion and holds a royalty interest in his father's book. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Jaime Garcia is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked extensively in financial and tax advisory roles, including long tenures at Avantax and Investax-related firms. Garcia serves as a trustee for a family trust outside of his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and providing access to affiliated and third-party investment solutions.

Philip Blum is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. He holds Series 63 and Series 65 licenses and has 17 years of industry experience, all with Mass Mutual Investors Services and MassMutual Life Insurance Company. Blum is also involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on annual, collaborative client relationships using firm-approved analytical tools.

Michael Jowdy is a CFP® with 28 years of experience in the financial industry. He has worked at Wells Fargo Advisors since 2024 and previously spent 23 years at LPL Financial. Outside of his advisory role, he is a silent partner in a restaurant business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, allowing tailored recommendations delivered through meetings and written summaries.