Ciera Northrop is a financial advisor with Fidelity Investments holding a Series 66 designation and has been in the industry since 2024. Her work history includes roles at Charles Schwab & Co, TD Ameritrade, and contracting through Magnit Global. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, using a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs. The firm also serves as an adviser to multiple registered investment companies and constructs model portfolios for Fidelity Institutional Wealth Adviser.

Kristin Coons is a CFA® charterholder with 14 years of experience in the financial industry. She currently works at RBC Capital Markets and RBC Global Asset Management (U.S.) Inc., where she has been employed since 2019. Her prior experience includes roles at PeerStreet and Sentinel Financial Services Company. Outside of her advisory work, she owns rental properties in Oregon and California. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides multiple advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Jon Berry is a financial advisor with Morgan Stanley in Rolling Hills Estates, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012. Outside of finance, he is involved in the arts as a musician and participates in acting and improv, including teaching and directing at the Youth Academy of Dramatic Arts and The Second City. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a variety of advisory programs supported by structured discovery processes and firm-approved planning tools.

Jose Claudio is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase & Co., Bank of America, N.A., and Hennes & Mauritz. 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 and profit-sharing plans, corporations, and charitable organizations.

Hovhannes Tokatlian is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill Lynch. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Towle is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 16 years of industry experience. He previously worked at Bank of America and Merrill from 2010 to 2019 before joining LPL Financial in 2019. Outside of his advisory work, Towle serves as Interim Chief of the Worthington Township Fire Department in Butler, Ohio. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support.

Jonathan Resin is a financial advisor with RBC Capital Markets in Manhattan, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with RBC Capital Markets since 2013. Resin serves on the finance committee for Congregation Tikvat Jacob and is a board member of the Quarry Employee Scholarship Foundation. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers tailored advisory programs that combine in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management alongside financial planning, custody, and brokerage services.

William Nguyen is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. He has worked in various roles within Cetera and its affiliated entities since 2023. Outside of advising, he serves as an administrative assistant involved in financial planning support. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diversified investment management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform with a range of program options.

Kyle Cryer is a financial advisor with Ameriprise in Los Angeles, CA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. His prior roles include positions at Kinecta Financial & Insurance Services, LPL Financial, LLC, and Wells Fargo affiliates. Ameriprise specializes in retirement-income planning for clients generally holding at least $1 million in investable assets, offering tailored, research-driven recommendations through a centralized consulting team and employing algorithmic tools to support its advisory process.

Juan Galvez is a financial advisor with Merrill in Norwalk, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His career includes roles at Bank of America and Wells Fargo, spanning from 2014 to the present. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Lee is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at Citigroup, JP Morgan Securities, LLC, and Mirae Asset Wealth Management (USA) Inc. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, offering a wide range of investment options including insurance-related vehicles and bank deposit sweep programs.

Jacob Esperanto is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its program on a non-discretionary basis while supporting clients with a centralized due-diligence framework.

John Bacich is a financial advisor with Wells Fargo Advisors in Rolling Hills Estates, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Wells Fargo since 2009, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is the owner of Peninsula Group Inc. and serves as a trustee for personal and business-related trusts. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing tailored recommendations supported by Wells Fargo research and planning tools. The firm serves clients meeting a net-worth threshold with a broad planning menu covering various financial needs including retirement, education, and specialized areas such as business-owner transition planning.

Maricela Villa Hernandez is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2016. Outside of her advisory role, she serves as CEO of United Exterminator's Inc., where she assists with online payments and marketing strategy. 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.

Jose Moreno is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 range of investment options including insurance-related vehicles and bank deposit sweep programs.

Manisha Patel is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has been with Wells Fargo entities since 2006, including Wells Fargo Advisors LLC and Wells Fargo Investments, LLC. Outside of her advisory role, she is a co-owner of a rental property in Marina del Rey, CA. 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 a range of brokerage and advisory solutions supported by research and analytics.

Andrew Rabichuk is a financial advisor with LPL Financial in El Segundo, CA, holding one year of industry experience. He has operated Rabco Payroll Services since 2000. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technologies such as machine learning.

Rachel Thurman is a financial advisor with RBC Capital Markets and holds the Series 65 and Series 63 licenses. She has four years of industry experience, including prior roles at City National Bank and Inbenta Technologies, Inc. Outside of finance, she teaches fitness classes for The Bar Method. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutions. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Sophat Heng is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley, T Rowe Price, First Command Financial Planning, and served in the United States Army. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kelly Centeno is a financial advisor at Ameriprise with 10 years of industry experience and a Series 66 designation. She has been with Ameriprise since 2005, working within the firm and its affiliated entities for over 18 years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service includes written Recommendation Reports and ongoing annual advice, supported by proprietary investment research and algorithmic tools.