Izamar Perez is a financial advisor at LPL Financial with seven years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2022. Prior to that, she was with CUNA Brokerage Services, Inc. for four years and has held a role at SchoolsFirst Federal Credit Union since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Richard Boyd is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior roles include positions at New York Life Securities, Ameriprise Financial Services, and various other firms. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset allocation modeling with centralized due diligence and an ESG eligibility framework to inform non-discretionary investment recommendations.

Cara Paynter is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Currently based in Laguna Niguel, CA, she has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment models.

Frank Wu is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a dispute resolution arbitrator for FINRA. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Songhee Hong is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America. Outside of her advisory role, she was involved with the LA Korean Festival in 2025. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Richard Ratz is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 17 years of industry experience. His career includes roles at various insurance carriers and Waddell & Reed, Inc., and he has operated under his own name since 1982. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, supported by model portfolios, research resources, and discretionary and non-discretionary management options.

Michael Spoo is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Tyler Renaud is a financial advisor at LPL Financial with Series 66 credentials and three years of industry experience. Prior to joining LPL Financial in 2022, he held positions at various organizations including AD Lehl & Company, Wealth Planning Group OC, and G3PM Law. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Frank Kuo is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at JPMorgan Chase Bank, Royal Black USA Inc, LYFT, and UBER. Outside of advising, he holds a 20% ownership stake in Chefs Kitchen, LLC, a restaurant business in Fullerton, CA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Griffin Kang is a financial advisor at Charles Schwab with a Series 66 credential and two years of industry experience. Before joining Schwab, he held positions at Charles Schwab Bank, Waco Surf and Hotel, and Baylor University Life Center, following eight years focused on full-time education. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Ken Jo is a CFP® with four years of industry experience currently affiliated with Fidelity. His prior roles include positions at Eagle Strategies (NY Life), Nylife Securities LLC, New York Life Insurance Company, Irvine IHC Inc., and Wargaming Korea Ltd. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad range of clients, including retail and institutional investors, with a focus on discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop its investment strategies.

Xiude Chen is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. Chen has worked at JPMorgan Chase Bank, N.A. since 2017 and has been with J.P. Morgan Securities since 2016. 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 select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Ara Malazian is a financial advisor with LPL Financial in Santa Ana, CA, holding the CFP® designation and Series 63 and 65 licenses, with 31 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining LPL Financial in 2017. In addition to his advisory role, Malazian serves as an instructor at the University of California Irvine and operates a technology consulting business through AGM Enterprises. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a wide range of advisory programs and services, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

Zhiwei Jiang is a financial advisor with Edward Jones in Irvine, CA, holding Series 66 and Series 63 licenses and eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Raymond James Financial Services, Great Pacific Securities, New Frontier Group, and Davinci Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Ralph Glasgow III is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms, including Securities America Advisors and Mass Mutual Investors Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services incorporating both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Kabir Sivjee is a Financial Advisor specializing in helping individuals and families achieve their financial goals. He brings experience working with a diverse range of clients, from young professionals to retirees, and supports them in navigating the complexities of financial markets. Kabir’s areas of expertise include investment planning, retirement planning, estate planning services, and wealth management. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Kabir completed his high school education at Golestane Kabir. Outside of his professional role, he participates in community involvement with Junior Achievement of Central Maryland. His personal interests include biking, hiking, music, reading, running, swimming, traveling, and yoga.

Romik Arakelian is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. In this role, he partners with clients to help create and implement financial plans designed to grow, protect, and transfer their wealth. Prior to joining Fidelity Investments, Romik worked as a Business Banking Specialist at Wells Fargo from 2009 to 2014. He has been active in the financial services industry for over a decade. Romik holds a California Insurance License.

Joseph Dimino is a financial advisor at Cetera with 26 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Avantax Advisory Services and Anthem Blue Cross as a health insurance agent. He is also a committee member of the State Bar of California Client Security Fund Commission, which provides restitution to victims of attorney theft. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and investment strategies.

Taron Defevers is a financial advisor with Fidelity Investments in Mission Viejo, CA. He holds the Series 66 designation and has been with Fidelity since 2026. Prior to entering the financial industry, he held positions related to theological education and church ministry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Luke Schell is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. He previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2009 to 2022. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, utilizing proprietary research and model-based asset allocations to tailor client plans.