Quan Lee is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank SSB, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. prior to his current role. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

Richard Shih is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2006. 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 and provides both brokerage and advisory solutions.

Yilun Liu is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent six years at Wells Fargo Bank, N.A. and five years at Wells Fargo Clearing Services LLC. Outside of his advisory role, he operates a rental property management business in Irvine, California. Morgan Stanley Wealth Management serves individual and institutional clients, providing a wide range of advisory programs and tailored financial planning supported by firm-approved tools and the Global Investment Committee’s research. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and planning services, including estate planning and corporate financial planning agreements.

Gonsalo Barragan 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 and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Prior to his financial services career, he worked for the San Bernardino City Unified School District. 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 investment strategies.

Mary Jacqueline Walden is a financial advisor with Osaic Wealth, Inc. in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at Sagepoint Financial, Inc. and National Planning Corporation. She is a board member of Guidelines International Ministries and founder of Walden Wealth Management, LLC, which provides holistic financial advice. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated portfolio rebalancing, supporting varied investment strategies across discretionary and non-discretionary accounts.

Tyler Dyson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked with firms including TD Ameritrade (now Charles Schwab), Bank of America, Merrill, and various title and escrow services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Lining Berman is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, Berman held roles at Irontree Tax Services Inc., 10SB, WATG, and briefly taught at the Gies College of Business at the University of Illinois. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Charles Nuwer is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMC Bank NA, Principal Life Insurance Company, and Principal Securities, Inc. before joining his current firm in 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Eddy Olandj is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Advisors since 2026. He previously worked at Wells Fargo Clearing for 10 years and Compak Asset Management for 12 years. Outside of his advisory role, he is co-owner of CHABA THAI & SPA LLC, where he assists with administration and accounting. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad planning menu and tailored recommendations using proprietary research and planning tools.

Gina Welch is a financial advisor with Wells Fargo Advisors in Brea, CA, holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Merrill and Banc of America Investment Services prior to joining Wells Fargo Clearing in 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and tools, delivering tailored recommendations through meetings and client summary letters, with implementation options available through various brokerage and advisory programs.

Adam Pilkington is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Clearing since 2019, having worked at Wells Fargo Bank, N.A. since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering both discretionary and non-discretionary investment services.

Hyojoo Ryu is a financial advisor at J.P. Morgan Securities LLC with two years of industry experience. She holds the Series 66 designation and has prior work history that includes positions at Lenox Advisors and MassMutual Life Insurance Company. Outside of her advisory role, she works as a Reformer Pilates instructor at Neaumix Fit. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Taylor Freitas is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Movement Mortgage and Loan Depot. Outside of his advisory role, he is involved in a family tutoring business, primarily handling bookkeeping. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with access to multi-asset model portfolios and alternative investments.

Robert Bruechert is a financial advisor with Mass Mutual Investors Services in Brea, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience, including over 40 years at MML Investors Services, Inc. Additionally, he owns and operates Bruechert Ins Agency Inc., where he sells life and health insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, ongoing planning relationships using firm-approved analytical tools and offers a range of planning programs including estate and employer-sponsored planning.

Richard Higbee is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Trilogy Financial Services, LPL Financial, National Planning Corporation, and UBS Financial Services. He is also involved as an agent with Providence Wealth Planning, focusing on the sale of insurance products. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutions, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a variety of asset-allocation tools and offers both discretionary and non-discretionary portfolio management across multiple investment vehicles.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Nicholas Woravka is a financial advisor with Wells Fargo Clearing Services, LLC, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at UBS Financial Services and Wavecrest Holdings LLC, where he also served as a manager. He is involved in community activities as a board member of the Wave Crest Homeowners Association in Del Mar. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, supported by extensive research and analytics.

James Lee is a financial advisor with LPL Enterprise in Irvine, CA, holding a Series 66 designation and 22 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he is an investor in Harbor Med Tech, a business entity unrelated to investment advisory services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Jake Boberg is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. His background includes roles outside of finance, such as work at Diamond Hills Sports Club and Core Equipment Leasing LLC. OSAIC serves a diverse client base ranging from individual investors to corporations and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing various tools and third-party platforms to manage portfolios across multiple asset classes.

William Meyer is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2017, following a 28-year tenure at Michael A. Hearn. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options that include insurance-related vehicles and bank deposit sweep programs.