Heidi Frank is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. She previously worked with the Los Alamitos School District before joining Edward Jones. Outside of her advisory role, she serves as Vice President of Philanthropy for the National Charity League in Seal Beach, CA. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,700 financial advisors.

Nina Ruffalo is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. Her work history includes roles at LPL Financial, First Allied Advisory Services, and Cetera, where she has been since 2020. Outside of her advisory work, she is involved with Orange Capital Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporations, charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary options.

Samuel Galatioto is a Series 66-licensed financial advisor at OSAIC with 20 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Starboard Realty, Lifemark Securities Corp., Chase Investment Services Corp., Morgan Stanley, and Merrill. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary strategies and third-party managers.

Kevin Simon is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 19 years of industry experience. His prior experience includes seven years at UBS Financial Services and current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a partner at Moniak Holding LLC, a technology-related business based in Fullerton, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to model outcomes, while primarily acting in an advisory capacity for financial plans.

Andrew Anderson is a financial advisor at Edward Jones in Corona, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Sunland RV Resorts and was involved with the Hemet San Jacinto Chamber of Commerce. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Steven Kang is a financial advisor with Cetera, holding a Series 66 designation and over 26 years of industry experience. He has been affiliated with Cetera and its related entities since 1999 and also leads multiple CPA practices and a real estate management firm. Kang serves as a board member of the Korean American CPA Society of Southern California and participates on the advisory board for the Accounting Department at California State University Los Angeles. He is also involved with a nonprofit Christian missional organization as a board secretary. Cetera Investment Advisers LLC is an SEC-registered firm offering services through a nationwide network of independent advisors. It serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutions, providing portfolio management, financial planning, and access to various third-party investment managers.

Lily Gong is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing, Morgan Stanley Smith Barney LLC, and Ameriprise Financial Services, Inc. Outside of her advisory role, she teaches a weekly Lagree fitness class as a contractor fitness instructor. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor financial plans and portfolio management.

Ruben Gomez Jr. is a financial advisor with Fidelity, holding Series 63 and Series 65 designations and seven years of industry experience. His career includes roles at Fidelity Brokerage Services LLC, CUNA Brokerage Services, Inc., and SchoolsFirst Federal Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs. The firm participates in commodity pool operations and serves as an adviser to multiple registered investment companies and fund-of-funds.

Johnny Liu is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and previously worked at Sushiholics, Asucla, the University of California, Los Angeles, and the West Covina Unified School District. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through detailed Recommendation Reports and ongoing advice. The firm uses a centralized team alongside financial advisors and employs a structured approach that incorporates proprietary research, algorithmic tools, and a defined investment universe.

Kimberly Sabol is a financial advisor at Cetera with 13 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Avantax Advisory Services and 1st Global Advisors. Outside of her advisory work, she manages several real estate investment entities and operates a tax and accounting services firm. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment solutions through a large network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary portfolio management options.

Sonny Licata is a CFP® and holds a Series 66 license, with 10 years of experience in the financial advisory industry. He is currently with Edelman Financial Engines and has previously worked at Spinnaker Investment Group, Morgan Stanley, E*TRADE, TD Ameritrade, and Scottrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutions. The firm utilizes a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified portfolios and long-term strategies.

Brad Maurer is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2017 and previously held roles at Bank of the West and BancWest Investment Services from 2015 to 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Anna Diaz is a financial advisor with Morgan Stanley in Brea, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and modeling techniques.

Victoria Renne is a financial advisor with LPL Financial in Chino, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Frank R. Carey, EA, where she was employed for 29 years. In addition to advisory work, she owns a tax preparation and bookkeeping business as an enrolled agent. 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 broad range of financial planning and investment solutions, including advisory platforms, third-party asset management, and institutional services.

Sukhman Kaur is a financial advisor with Merrill in Fullerton, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at Bank of America, City National Bank, BMO, Bank of the West, and Wells Fargo affiliates. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Walters is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with various Fidelity entities since 2008, most recently with Strategic Advisers LLC since 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm’s investment process combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios comprised of mutual funds, ETFs, and ETPs.

Douglas Hartman is a financial advisor with Primerica Advisors in Coto De Caza, CA, holding Series 63 and Series 65 designations and over 43 years of industry experience. He has been with Primerica Financial Services and its affiliated advisory firm since 1980 and 1981, respectively. Hartman is also the owner of Ten Talent, Inc., a nonprofit organization supporting various ministries. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Robert Kirkland is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and 17 years of industry experience. His career includes prior roles at Valic Financial Advisors and Wells Fargo Clearing. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

Estefania Ruiz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through a network of over 14,000 advisors and provides a range of brokerage and advisory solutions.

Francis Ponzio is a financial advisor at Fidelity with Series 63, 65, and 66 licenses and three years of industry experience. He previously worked at Thrivent Investment Management Inc and Farmers & Merchants Bank of Long Beach. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on systematic investment processes that blend fundamental research, quantitative analysis, and algorithmic portfolio construction.