Eric Yean is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2006. He specializes in corporate retirement plans, executive stock services, liability management, and designs wealth strategies tailored to clients' risk tolerance. Eric collaborates with Merrill Specialists on credit and corporate pension plans to provide comprehensive financial solutions. He holds a Bachelor's Degree in Finance from the University of Southern California and maintains the professional designation of Personal Investment Advisor (PIA). Beyond his professional role, Eric participates in community activities consistent with Merrill's tradition of service. He resides in Irvine with his wife and daughters and enjoys golfing, coaching girls basketball, and spending time with his family.

Michael Babykin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets, and uses structured planning tools and modeling techniques as part of its process.

James Smith III is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He holds a Series 66 designation and has been with Thrivent and its related entities since 2004. His prior experience includes long-term roles at Thrivent Financial for Lutherans. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning covering topics such as retirement, income tax, estate, and special needs, with the option to integrate planning alongside managed-account services under a consolidated billing program called “WealthPlan.”

Tat Gary Tsui is a financial advisor with Merrill in Temple City, CA, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked with Bank of America and Merrill since 2013. 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Susan Outzen is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including six years at Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models in its financial planning process.

Mariela Palacios is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, Michael Page, and Automatic Data Processor. 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Meredith Milosch is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked with PFS Investments Inc., Primerica Financial Services, and PFS University since the early 2000s. Outside of her advisory role, she is involved in wellness and health solutions as an ambassador for All In Nutritionals. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors, maintaining control over its investment models and fee arrangements.

Danielle Lee is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley, HSBC Bank USA, HSBC Securities, East West Bank, and Cetera Investment Services. Outside of her advisory role, she owns Research Unlimited, an investment-related business based in Pasadena, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Emilio Garcia is a financial advisor at Cetera with Series 66 credentials and one year of industry experience. Prior to joining Cetera, he held several roles at Google, Microsoft, and Visa. Outside of his advisory work, he is involved with the Whitley Bay Homeowners Association. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services using multiple program structures and access to third-party money managers.

Tung Luu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He has held positions at Prudential Insurance Company of America and Pruco Securities, LLC, among others. His current roles include work with J.P. Morgan Securities and JPMC BANK NA in Southwest. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Thomas Mckenzie III is a financial advisor at Osaic Wealth Inc with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Independent Financial Group, LLC and NPB Financial Group, LLC. In addition to his financial advisory role, he is a practicing attorney specializing in trusts, wills, estate planning, and probate, and he also operates real estate brokerages under his own sole proprietorships. Osaic Wealth Inc serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services with an investment approach that incorporates asset allocation tools, risk tolerance assessments, and access to third-party managers.

Suly Lan is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at UBS Financial Services and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Gregory White is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2005. Outside of his advisory role, he serves as the Finance Chair for the Iron Star District of the Long Beach Area Council, a nonprofit charitable organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm provides both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

J. Paul Escudero is a CFP® with 35 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera and its related entities since 2008 and has operated Orange Capital Management since 1990. Outside of his advisory work, he provides coaching on financial planning software through a software business, Advanced Time Segmentation (ATS). Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a broad range of portfolio management services and access to third-party managers, overseeing over $256 billion in assets across more than 10,000 advisors.

Ally Li is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, NA, Wells Fargo Clearing Services, LLC, JP Morgan Chase Bank, NA, and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patrick Bivona is a CFP® with 39 years of industry experience and is currently affiliated with LPL Financial since 2020. His prior experience includes four years at Sagepoint Financial, Inc. He also serves as a professor with the American Dental Education Association. 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 a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by a variety of research and investment strategies.

Michael Hui is a financial advisor at Charles Schwab with the Series 66 credential and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and multiple mortgage companies. Michael is based in Rowland Heights, California. Charles Schwab & Co., Inc. 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. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence.

Hilary Campbell is a financial advisor at OSAIC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors Inc and Lone Eagle Wealth Services, where she is a partner. Outside of her advisory role, she serves as a patient ambassador for Gilead Sciences, participating in video training and outreach. OSAIC Wealth, Inc. serves a diverse client base ranging from individuals to institutions by providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to build portfolios encompassing various asset types, with management options tailored to client preferences.

Dominador De Guzman III is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Deutsche Bank, Cinergy Financial, and Independent Financial Group. Outside of his advisory role, he serves as a youth basketball referee for a community league in Tustin, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios.

Qianlin Chen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Chen worked at JP Morgan Chase from 2016 to 2018. Outside of work, Chen serves as a successor trustee for a family trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.