Stephen Sheffield Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a member of The Sheffield Group. He provides customized investment, lending, and estate planning services to a diverse clientele, including affluent families, working professionals, non-profits, foundations, and institutional 401(k) plans. His focus is on developing and implementing personalized wealth management strategies for individuals, trusts and estates, and businesses. Stephen began his career at Bank of America in 2005 and joined Merrill Lynch Wealth Management in 2010. Prior to Merrill Lynch, he worked as a Mortgage Loan Officer and Client Relationship Manager with Bank of America Global Wealth and Investment Management. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor of Arts degree from the University of Southern California and a Master of Business Administration from Pepperdine University. Stephen is also a member of Sigma Phi Epsilon. Outside of his professional work, he enjoys adventure sports such as biking, camping, cooking, reading, soccer, surfing, swimming, traveling, and yoga.

Kunal Sharma is a Financial Consultant currently with Fidelity Investments since 2024. He partners with families to develop personalized financial strategies that assist them in working toward their financial goals, providing clarity and confidence throughout the decision-making process. He has held several roles in the financial services industry, including Business Growth Strategy Consultant at Wells Fargo Advisors from 2022 to 2023, Private Client Advisor at JP Morgan from 2018 to 2022, and Private Client Banker at JP Morgan Chase from 2007 to 2018. Kunal holds a California Insurance License. Outside of his professional work, Kunal has interests in fitness, food, football, movies, museums, and pets.

Terry Tang is a financial advisor at Morgan Stanley in Pasadena, CA, with one year of industry experience. He holds a Series 66 designation. His work history includes roles at Industrial Securities and academic positions at the University of California, San Diego, as well as involvement with Bounceback Tutoring. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its financial planning process.

Cameron Hooshivar is a financial advisor with LPL Financial in Los Angeles, CA, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has worked at LPL Financial since 2018 and previously held positions at JPMorgan Chase Bank and J.P. Morgan Securities LLC. Cameron is also affiliated with California Bank & Trust and has been involved with California State University, Fullerton since 2017. 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 advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, utilizing a variety of investment strategies and technology tools to support its network of over 22,800 advisors.

Kenneth Ulrich is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2010, following prior roles at NRP Advisors, Inc., NRP Financial, Inc., and Walnut Street Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, including model portfolios, third-party asset management, and institutional platforms.

Jennifer Ho is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2015, following six years at Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary market research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Tony Tat Yan Lam is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 14 years of industry experience. His prior roles include positions at Bank of the West, Bancwest Investment Services, U.S. Bancorp Investments, J.P. Morgan Securities, Chase Investment Services, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Ji Yim is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Ji collaborates with clients to develop tailored financial strategies aimed at helping them achieve their individual goals. Clients benefit from the global investment resources of Merrill, as well as access to credit, lending, and banking services through Bank of America. Ji holds a Bachelor's Degree from the University of Colorado System, a Master's Degree from the University of North Texas, and a second Master's Degree from Indiana University. Ji has earned the Personal Investment Advisor (PIA) designation and communicates professionally in both English and Korean.

Chadwick Goldberg is a financial advisor with LPL Financial based in Los Angeles, CA. He holds Series 66 and Series 63 licenses and has one year of industry experience. His prior work includes roles at Armey, Bushey and Associates Wealth Management and Mogul, as well as employment with Amazon and Graphiq Inc. Outside of finance, he has experience in the music industry with Venice Music. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services through a large network of representatives and supports diverse investment strategies including model portfolios, third-party management, and customized allocations.

Ileana Chavez is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 securities licenses and has worked at JPMorgan Securities LLC and Wells Fargo prior to joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach includes structured discovery conversations and firm-approved tools, offering a range of services without providing individual security recommendations as part of standalone plans.

Howard Raff is a financial advisor with LPL Financial, holding a Series 66 designation and over 25 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2025, at H. Beck, Inc. from 2007 to 2021, and at DSI Advisers, Inc. from 2005 to 2007. He is also involved with BGA Premier Insurance Solutions, Inc. in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor-facing tools and a broad network of over 22,800 advisors.

Kaitlyn Baltz is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 66 designation and has worked at both Wells Fargo and JPMorgan Chase Bank, N.A. prior to her current role. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach integrates centralized due diligence with quantitative and qualitative research, utilizing forward-looking capital market assumptions and an ESG eligibility framework.

Imhyun Cho is a financial advisor at Equitable Advisors in Los Angeles, CA, holding Series 63 and Series 65 licenses with 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he manages a car wash business and serves as co-trustee of a personal family trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, corporations, pension plans, and charitable organizations. The firm offers a range of investment programs through a network of Investment Adviser Representatives and utilizes third-party sponsors for advisory model implementation.

William Creedon is a financial advisor at Raymond James & Associates with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2015. Creedon serves on the board of directors for Las Torres, Inc., which operates a 141-unit federally subsidized low-income housing project. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and advisory services supported by extensive research and a range of portfolio management strategies.

Edward Hays is a Series 66-registered financial advisor with Edward Jones, based in Covina, CA, and has three years of industry experience. Prior to joining Edward Jones, he worked at RAD Diversified REIT Inc and Wells Fargo Home Mortgage. He also manages a rental property through a property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of investment strategies and affiliated services, supported by a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

James Hasnah is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. He holds Series 63 and Series 66 licenses and has 37 years of industry experience. Prior to joining Mass Mutual Investors Services in 2017, he worked at METLIFE SECURITIES Inc for 14 years. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides annual, collaborative planning engagements that focus on recommending investment categories and strategies without discretionary authority.

Kenneth Sullivan is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at RBC Capital Markets Corporation for 10 years before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Derrick Hilts is a financial advisor with Morgan Stanley in Brea, CA, holding a Series 66 designation and five years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2020. Prior to his career in financial services, he spent eight years at Siemens Healthineers. Outside of financial advising, he is involved in a construction and engineering business related to hospital and healthcare sectors. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and emphasizes advisory capacities without providing individual security recommendations as part of standalone plans.

Steven Crawford is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including 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 client plans.

Geoffrey Palenik is a CFP® professional with 23 years of industry experience. He is currently affiliated with LPL Financial and has held prior roles at Genesis Wealth Partners, CUSO Financial Services LP, Ameriprise, and Wells Fargo Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advisory and brokerage services through a large network of investment adviser representatives.