Veronica Aguirre is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2020. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Derek Yu is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing Services LLC since 2016 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Chiaracharuwat is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He previously worked with Bank of America and Merrill from 2015 to 2023. Outside of advisory work, he is a co-owner of a real estate acquisition company focused on wholesale properties and residential construction. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and investment options.

Hsueh Sheng Su is a financial advisor at UBS Financial Services with 29 years of industry experience. He holds Series 63 and Series 66 registrations and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management and conducts principal trading, underwriting, and market-making activities alongside its advisory services.

Daryush Jahanbigloo is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 66 designation and has been with UBS Financial Services since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Manuel Ashekian is a CFP®-certified financial advisor with 14 years of industry experience. He currently works at Wells Fargo Clearing and has previously held roles at Charles Schwab, J.P. Morgan Chase, J.P. Morgan Securities, Merrill Lynch, and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s advisory approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alexander Badoyan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Kith and Option One Lending. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tatiane Minetti is a financial advisor at UBS Financial Services in Pasadena, CA, holding a Series 66 designation with 11 years of industry experience. She has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial products and solutions.

Harry Kim is a financial advisor at OSAIC with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Sagepoint Financial and LPL Financial. Kim also operates Quest Wealth Management and provides insurance services as a sole proprietor. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs advanced asset-allocation tools and multiple investment platforms to manage diverse portfolios.

Joshua Leu is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals, families, and businesses achieve their financial goals through a systematic, goals-based wealth management approach. His work incorporates the investment insights of Merrill Lynch and banking services from Bank of America, providing customized solutions tailored to clients' risk tolerance, time horizon, liquidity needs, overall investment goals, and related costs. Joshua's areas of expertise include divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, individual and corporate investment strategy, and tax minimization. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Joshua earned his bachelor's degree from the University of California System and his master's degree from the University of Southern California. He is fluent in English, Mandarin, and Yue (Cantonese). Personal interests include cooking, golfing, hiking, photography, reading, singing, spending time with family, traveling, and watching movies.

Landis Richardson is a financial advisor at Merrill with 16 years of industry experience and holds the Series 66 designation. His prior work includes roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, he owns Melodias Properties, an S Corporation involved in property investment. 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, offering model-based and discretionary investment strategies for individual and institutional clients.

Leonard Achenbach is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at AXA Advisors, LLC and Equitable Advisors. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

David Flores is a financial advisor with LPL Financial in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Wells Fargo Bank and Wells Fargo Clearing Services. In addition to his advisory work, he serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, research, and both discretionary and non-discretionary management options.

Raffi Kendirjian is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides customized investment advice and financial services to high and ultra-high-net-worth families, tailoring solutions based on clients' risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. His services include investment management, retirement and estate planning, real estate lending, and life insurance strategies within the framework of his wealth management practice. Raffi began his career in financial services with UBS in 2007 and joined Merrill Lynch Wealth Management in Los Angeles in 2009. Before that, he served as a Senior Economist with the United Nations Development Program in Beirut, Lebanon, from 1999 to 2005, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. He also lectured in Financial and Cost Accounting at Haigazian University during that time. He holds a Master's degree in Money and Banking (Financial Economics) from the American University of Beirut and a Bachelor's degree in Business Administration from Haigazian University. Raffi is a CERTIFIED FINANCIAL PLANNER® and Chartered Retirement Planning Counselor™ (CRPC). He is involved in community organizations including Haigazian University Alumni USA, Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. Raffi is fluent in Arabic, Armenian, and English.

Hratch Andreassian is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with high-net-worth individuals, retirees, business owners, and foundations, assisting them in achieving their financial goals through strategies such as investment guidance and risk management, lending and liability management, retirement income planning, asset preservation, wealth transfer, tax minimization, and charitable and estate planning. With over 21 years of experience and qualifications as a Portfolio Manager, Mr. Andreassian leverages the resources of a global investment firm to provide customized wealth management solutions. He holds multiple professional certifications including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Private Wealth Advisor (CPWA®), and Retirement Management Advisor (RMA®). He also holds a Master's degree with a concentration in finance and continues to pursue ongoing professional education annually. Mr. Andreassian resides in Glendale, California with his wife Olga and their children Michael, Sophia, and Isabella. Outside of his professional career, he enjoys activities such as yoga, cycling, golfing, skiing, and photography.

Jonathan O'Brien is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 designation and 27 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs for individuals and institutional clients. The firm uses structured financial planning tools and delivers tailored advice through its Financial Advisors and Estate Planning Strategies Group.

Manuel Hernandez III is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Morgan Stanley in various roles between 2015 and 2023. Outside of his advisory work, he serves as a professor at Rio Hondo Community College. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services with a range of portfolio management styles and affiliated research resources.

Sean Irwin is the Vice President and Executive Planning Consultant at Fidelity Investments, where he works with corporate executives to develop comprehensive financial plans. He focuses on integrating workplace benefits with broader wealth planning strategies to tailor financial solutions that align with the unique options available to executives and their personal financial goals. Sean has held multiple roles at Fidelity Investments since 2011, including Vice President positions as Executive Planning Consultant, Branch Office Manager, Regional Coaching Consultant, and Regional Planning Consultant. Prior to joining Fidelity, he gained experience as a Financial Advisor at Merrill Lynch, Banc of America Investments, and Metlife, as well as managing investments at Chase Investments. He holds a California Insurance License. Outside of his professional work, Sean enjoys family activities, fitness, music, tennis, and traveling.

Yue Chen is a financial advisor at Morgan Stanley with a Series 66 designation and six years of industry experience. Chen has been with Morgan Stanley Private Bank, N.A. since 2020 and has also worked at Morgan Stanley Smith Barney LLC since 2018. Prior to joining the firm, Chen attended UC San Diego from 2014 to 2018. Morgan Stanley Wealth Management is a full-service investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves both direct clients and those through corporate financial planning agreements.

Daniel Davis is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 2001. Outside of advisory activities, he is involved in the sale of loan products, home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that serves individual investors, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.