Derek Tu is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to that, he was with Axa Advisors and worked as an independent contractor for TD Group. Outside of his advisory role, Derek provides caregiving services to his grandmother through the In-Home Supportive Services Program. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers its advisory services alongside brokerage and investment management capabilities, operating with a centralized due-diligence framework and a non-discretionary advisory model.

Minson Vuong is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase & Co. and Charles Schwab & Co. Outside of finance, he has experience working at In-N-Out Burger. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Bei Xiong is a financial advisor at UBS Financial Services with a Series 66 designation and no prior industry experience before joining UBS in 2025. Prior to UBS, Bei worked at Bank Julius Baer & Co Ltd for nine years and Sun Hung Kai & Co Ltd for one year. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market research to tailor client plans and delivers advisory services through a network of Financial Advisors.

Peter Hyan III is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals, leveraging insights from Merrill and the solutions offered by Bank of America. Peter holds a Bachelor's Degree and a Master's Degree from the University of Southern California. He has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses retirement planning and fiduciary responsibilities. In addition to his professional work, Peter engages in community volunteering, reflecting Merrill's tradition of community participation. His personal interests include biking, boating, golfing, hiking, horseback riding, running, skiing, soccer, tennis, and traveling.

Jiajia Shen is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 credential and has worked at Charles Schwab Bank and Charles Schwab since 2020. Prior to that, she was employed at HSBC Bank and Suzhou Rural Commercial Bank. Charles Schwab & Co., Inc. serves a large client base, 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 solutions, with a multi-asset model portfolio approach supported by centralized custody and operational services.

Hripsime Keoshgerian is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model financial outcomes.

Megan Mendez is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and previously worked at Equitable. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence in its investment approach.

Pamela Robinson is a financial advisor at Cetera with 27 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Cetera Advisors LLC since 2013, as well as Strategic Financial Services since 2000. She is also a licensed fixed insurance agent and owns Strategic Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services, utilizing multiple program structures, model portfolios, and third-party managers to meet diverse client needs.

Tigran Eloyan is a Series 66-registered advisor with Merrill in Montrose, CA, with four years of industry experience. He has worked at Bank of America and Wells Fargo and completed education roles at UC Santa Cruz and Glendale Community College. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dingyur Chen is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

George Muench is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Concord, Very Rare LLC, Live Nation Entertainment, Montone Inc., and BMG. His background includes roles across financial services and entertainment sectors. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized operations and extensive research.

Adam Rastegar is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His prior experience includes roles at Morgan Stanley, E*Trade Securities, LPL Financial, Equitable Advisors, AXA Advisors, Edward Jones, and Bank of America. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering bundled advisory, brokerage, custody, and cash-sweep services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts and provides investment guidance using multi-asset model portfolios and research from its financial research center.

Spencer Miller is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Enterprise and has held prior roles at a variety of firms including MassMutual Investors Services, Western International Securities, and Allstate Financial Services. In addition to his advisory work, he is involved in insurance brokerage focusing on life, disability, long-term care, fixed annuities, and health products. LPL Enterprise, LLC serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through both advisory and brokerage channels.

Brandon Saito is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Tanita Harvest for five years. Outside of finance, he is a member of the Screen Actors Guild and holds a 25% ownership stake in a film production LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services grounded in an IPS-driven process based on modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings and acts as an ERISA fiduciary when providing investment advice.

Luis Jaime is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Verizon Wireless. Outside of his advisory role, he is a partner in Compu-Service LLC, a business focused on computer services and video game sales. 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 operates with a non-discretionary program, combining institutional advisory services with brokerage, distribution, and investment management capabilities.

Jacqueline Weinstein is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Alexander Zajac is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. He previously worked at Wells Fargo Advisors Financial Network and Wells Fargo Advisors Private Client Group, and practiced law at the Law Offices of Shardlow & Vick. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and advise multiple registered investment companies.

Christine Stern is a financial advisor with LPL Financial in Sherman Oaks, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with LPL Financial since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management, supported by research and a variety of investment programs.

Manuel Padilla is a financial advisor at Ameriprise Financial Services with Series 66 credentials and one year of industry experience. Prior to joining Ameriprise, he worked at Costco Wholesale for nine years. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Denise Brady is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with J.P. Morgan Securities since 2012 and previously worked at Mes Amis Pasadena, LLC and Wm Financial Services, Inc. J.P. Morgan Securities 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 non-discretionary program delivered by a select group of Wealth Advisors.