Adriana Cox is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked with Cetera and its affiliates since 2015 and serves as Director of Operations at Seiko Instruments USA. Additionally, she owns Forever and a Day Health, a health and wellness coaching business in Torrance, CA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and consulting services and operates as a multi-manager platform with discretionary and non-discretionary program options.

Madelynn Merrill is a financial advisor with Morgan Stanley, holding a Series 66 license and five years of industry experience. She previously worked at Guggenheim Partners before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Courtney Hobbs is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and five years of industry experience. Her career includes roles at Trinity Strategic Partners LLC, where she is a managing partner, and prior positions with Sagicor Life Insurance Company and Equitable Advisors. Hobbs is also involved in consulting and insurance services through her own business entities. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm provides access to multiple platforms and proprietary model strategies while supporting both discretionary and non-discretionary management.

Tarius Hagood is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes positions at Thrivent Financial, Huntington Bank, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence and may include ESG considerations, with implementation supported by affiliated investment management entities.

Brittany Romero is a Series 66 licensed financial advisor with 11 years of industry experience. She has worked at J.P. Morgan Securities since 2018 and previously spent three years at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, with recommendations limited to eligible strategies and supported by centralized due diligence.

Benjamin Sklar is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 credential and has worked at JPMorgan Chase Bank and JPMorgan Securities since 2024. He is also an investor in Anvara, a company founded by a friend, but does not have a management role there. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating a forward-looking capital market approach and an ESG eligibility framework.

John Schober is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a systematic research process.

Kevin Terao is a financial advisor with Wells Fargo Advisors in Redondo Beach, CA, holding the CFP® and CFA® designations and the Series 66 license. He has 21 years of industry experience, including nine years at Triad Advisors LLC and a year at SII Investments, Inc., before joining Wells Fargo Advisors in 2015. Outside of his advisory work, he has a 50% ownership stake in Premier Strategic Capital Inc., operating as Riviera Wealth Management. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services, utilizing its own research and planning tools to develop tailored recommendations for clients.

Benjamin Goldberg is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at City National Bank and RBC Capital Markets. Outside of his advisory role, he serves on the board of the Long Beach Century Club supporting athletics, participates on the Broadmoor Homeowners Association Board of Directors, and is a committee member for the City of Huntington Beach evaluating local infrastructure. 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 advisory process incorporates modern portfolio theory and includes insurance-related investment options alongside traditional vehicles.

Charles Cline is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He worked at JP Morgan Securities LLC for 13 years before joining Wells Fargo. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Flor Gonzalez is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, she owns and operates Dreamy Dolls LLC, a cosmetic business specializing in eyelash extensions. 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 solutions. The firm’s IPS-driven process incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Phillip Schafer is a CFP®-credentialed financial advisor with 24 years of industry experience, currently with Wells Fargo Advisors since 2023. His prior experience includes roles at Wells Fargo Clearing and Merrill, spanning a total of 17 years. Schafer holds a 50% ownership in Compass Wealth Management LLC, a business unrelated to his primary firm. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and tools, with planning engagements tailored to client needs and integrated with multiple financial product offerings.

John Lewis is a CFP®-certified financial advisor with 33 years of industry experience, currently practicing at LPL Financial in Torrance, CA. He has held roles at several firms including Questar Capital Corporation, Summit Financial Group Inc, and Transamerica Financial Advisors, Inc. In addition to his advisory work, Lewis provides tax preparation services through his own business. 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 range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Michael Veyette is a financial advisor at Osaic Wealth, Inc with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Osaic Wealth since 2017, following 14 years at National Planning Corporation. In addition to his advisory role, he is also licensed to sell life insurance, fixed annuities, long-term care, and disability insurance. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, complex affiliate network, and recent consolidation activity.

Albert Aiad is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 10 years of industry experience. Prior to his current role, he worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory work, he owns and operates High Society, a music publishing business. 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 offers both brokerage and advisory solutions.

Edgar Galicia is a Series 66–licensed financial advisor with 17 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent five years with J.P. Morgan Securities. 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 offers both brokerage and advisory solutions, utilizing research and analytics to evaluate investment options based on diversification and modern portfolio theory.

Dylan Nobuhara is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and has worked at several firms including MassMutual Life Insurance Co and MML Investors Services, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence, quantitative and qualitative research, and may incorporate ESG criteria.

Rafael Real Bravo is a financial advisor with Merrill in Venice, CA, holding Series 66 and Series 63 credentials and having four years of industry experience. His prior experience includes roles at Bank of America, JPMorgan Chase Bank, J.P. Morgan Securities, and other financial services firms. 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 various model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ruben Ramirez Jr. is a financial advisor with Merrill in Cerritos, CA, holding a Series 66 designation and six years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2010. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Fuchs is a financial advisor with LPL Financial in Santa Monica, CA, holding a Series 63 designation and 32 years of industry experience. He has been with LPL Financial since 2002. Additionally, he holds a property and casualty insurance license and intends to write non-variable insurance policies. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.