Dylan Lara is a financial advisor with J.P. Morgan Securities based in Buena Park, CA. He holds Series 66 and Series 63 licenses and has three years of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMC Bank NA and was involved with Stinkin Crawfish. J.P. Morgan Securities LLC 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 in its investment approach.

Robert Koch is a Branch Leader at Fidelity Investments, a position he has held since 2020. In this role, he partners with branch associates to create an environment that leverages their talents to enhance client relationships and address financial needs. Prior to this, he served as Branch Service Manager at Fidelity Investments from 2007 to 2020. Mr. Koch has extensive experience in the financial services industry, including roles such as Vice President and Branch Manager at TD Ameritrade, Inc. from 1999 to 2007, Assistant Branch Manager and Account Officer at TD Waterhouse between 1995 and 1999, Stockbroker at J.B. Oxford & Company from 1994 to 1995, and Special Agent at The Prudential Preferred Financial Services, Inc. from 1993 to 1994. He holds a California Insurance License.

Carole Ann Nero is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Her prior work includes roles at Merrill and Bank of America. Outside of her advisory work, she is a sole proprietor of a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and structured processes.

Daryl Riley is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Crown Capital Securities, LP for 15 years. In addition to his advisory role, he teaches fitness as a part-time instructor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, research, and technology-driven strategies.

Christina Parushev is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 license and 13 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is involved in elder care, providing in-home caregiving for her elderly mother through the Orange County IHSS Public Authority. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to develop financial plans.

Michael Ramsey is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Nuveen Securities and JPMorgan Chase Bank. Ramsey is employed by both JPMorgan Securities and JPMorgan Bank, the latter offering a broad range of bank products and services. J.P. Morgan Securities LLC 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 support client investment decisions.

Thomas Raguse is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with both OSAIC and Liberty Capital Management since the mid-1990s. Outside of his advisory work, he is involved in business consulting related to insurance policy reviews and managing technology infrastructure for Liberty Capital Management. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across various asset classes, supporting both discretionary and non-discretionary management alongside multiple advisory platforms.

John Watson is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked at Robert Half and spent time at Auburn University for both employment and education. 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 and tax-aware withdrawal strategies through a collaborative, non-discretionary approach.

Luke Heynen is a financial advisor with Wells Fargo Advisors in Irvine, CA, holding a Series 66 designation and having two years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at KHR Associates and Best Buy. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning services covering topics such as retirement, education, risk, and wealth-transfer planning, and integrates advisory services with other financial products and referral channels.

Diane Gutierrez is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Her prior work includes roles at the University of California Santa Barbara, the University of Georgia, and the University of Denver. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves multiple registered investment companies and provides model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Peggy Pinkerton is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill Lynch and Raymond James Financial Services. Pinkerton has been with Morgan Stanley since 2023. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its advisory process.

Jared Snyder is a financial advisor at Charles Schwab with three years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab in various capacities since 2024, as well as at Merrill and Bank of America prior to that. Outside of his advisory role, Jared officiates basketball contests for the NCAA and other amateur leagues. Charles Schwab 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’s integrated approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a structured alternative investment selection process.

Matthew Montegani is a financial advisor at UBS Financial Services with two years of industry experience. Prior to joining UBS in 2023, he worked at Rizzo Financial Group and held positions at Costco Wholesale, Arizona State University, Jamba Juice, and Servite High School. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation to tailor plans to clients’ goals and risk tolerances.

Michael Yanez is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill from 2014 to 2023. Outside of his advisory role, he serves as treasurer for Bass Addicts, a club focused on lake conservation and responsible angling. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a discretionary 3(38) investment option, with a broader set of financial products than typical institutional advisers.

Brandon Bennett is a financial advisor with LPL Financial, holding a Series 66 designation and possessing one year of industry experience. Prior to joining LPL Financial in 2022, he worked at Northwestern Mutual for one year. His background also includes roles at California State University Long Beach and Virginia Country Club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Aida Arreguin is a financial advisor with Cetera who holds a Series 66 designation and has six years of industry experience. She has worked at several firms including Avantax and Ameriprise, and currently serves as a Wealth Management Associate at Husami & Associates, which provides accounting, tax, and financial services to family-owned and privately held businesses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Joshua Tiffany is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and seven years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Tiffany has engaged in entrepreneurial activities through Tiffany Inspirations Inc. from 2012 to 2019. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering services through both advisory and brokerage channels. The firm provides financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products through its integrated platform.

Amit Patel is a financial advisor with Fidelity in Irvine, CA, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at JP Morgan Chase Bank and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and advisor to multiple registered investment companies, utilizing model portfolios and AI-driven research methods.

Jaci Iannello is a CFP® professional with 10 years of industry experience, currently advising at Edelman Financial Engines. Her prior roles include positions at Financial Engines Advisors L.L.C., SA Stone Investment Advisors Inc., Quest Capital Strategies, Inc., and Seeman Holtz. She serves as a Member at Large on the homeowners association board for Village Townhomes. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process and combines planner delivery with online tools, offering a range of discretionary and non-discretionary investment solutions.

Richard Armento is a financial advisor at Osaic with 37 years of industry experience. He holds Series 63 and Series 65 designations and has a background that includes long-term roles at Washington Square Securities, DMA Insurance Services Inc., and Annelor Inc. Outside of his advisory work, Armento serves as president of several insurance-related businesses that focus on property and casualty insurance and support independent insurance agencies. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes, and supports a multi-platform, complex corporate structure with multiple mergers and third-party partnerships.