Mathew Reyna is a Series 66-credentialed financial advisor at Merrill with three years of industry experience. His prior work includes roles at Bank of America and various positions ranging from logistics to education. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jason Bernstein is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2026. He leads a team of financial professionals dedicated to helping clients achieve their financial goals. Prior to his current position, he served as Branch Leader at Fidelity Investments from 2023 to 2025. Jason's career in financial services began in 2015 as a Licensed Administrative Assistant at Freedom Wealth Management. He joined Fidelity Investments in 2016, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before moving into leadership positions. He holds a California Insurance License. Outside of work, Jason enjoys baseball, biking, kayaking, and skiing.

Alisa Stearns is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models as part of its financial planning process.

Eyal Yaffe is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop personalized financial strategies tailored to their individual goals. Eyal leverages the investment resources of Merrill Lynch alongside the banking and lending services of Bank of America to support clients’ wealth management needs. Eyal holds a Personal Investment Advisor (PIA) designation. He earned both his bachelor’s and master’s degrees from Canisius College. In addition to his professional responsibilities, Eyal is actively involved in his community through volunteer work, reflecting his commitment to the tradition of service valued by Merrill Lynch Wealth Management.

Mark Caubo is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their current financial situations and introduces them to financial solutions available through Merrill and Bank of America. He focuses on empowering clients with the knowledge and tools necessary to take control of their financial lives and select platforms that best fit their needs. Mark has expertise in helping clients manage diverse financial priorities such as buying a home, saving for college, caring for elderly parents, and preparing for healthcare needs. As a Merrill Financial Solutions Advisor, he works one-on-one with clients to define their financial goals, design appropriate portfolio strategies, and provide ongoing advice tailored to changing circumstances. He holds a Bachelor's Degree from the University of Mumbai and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

J. Geoffrey Grant is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since December 1983. He focuses on areas including college education planning, retirement income, legacy planning, philanthropic planning, tax minimization, and services for endowments, foundations, and various defined benefit and contribution plans. Geoff's expertise encompasses wealth and estate planning, money management, account performance analysis, alternative investments, corporate cash management, corporate credit, insurance, and real estate. Geoff earned a Bachelor's Degree in Business with an emphasis on Finance and Economics from the University of Southern California. He has completed continuing education in financial strategies, estate planning, and advanced statistical analysis and performance measurement, including being part of the firm's inaugural course in this area. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional pursuits, Geoff helped found and chaired several child-focused charitable organizations and remains involved in community activities such as Scout Troop 67 in Santa Monica. He resides in Pacific Palisades with his wife, three sons, two dogs, and three cats. The family enjoys outdoor activities such as skiing, scuba diving, camping, sailing, and nature photography.

David Hess is a financial advisor with Charles Schwab in Woodland Hills, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Charles Schwab since 1993 and has concurrently worked with Charles Schwab Bank since 2005. 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 a large client base with an integrated advisory and brokerage platform that includes both non-discretionary guidance and access to discretionary separately managed accounts.

William Lopez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His career includes multiple roles within Wells Fargo Bank and Wells Fargo Clearing, as well as positions at LPL Financial and LOGIX Federal Credit Union. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Wayne Burgher is a financial advisor with LPL Financial in Agoura Hills, CA, holding a Series 63 designation and 47 years of industry experience. He has been with LPL Financial since 1997 and has a concurrent career at Transamerica Occidental Life dating back to 1987. Occasionally, he sells non-variable life insurance products outside of LPL Financial. 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 solutions, including model portfolios, third-party asset management, and institutional platforms.

Ryan Parker is a financial advisor at Morgan Stanley in Westlake Village, CA, holding a Series 66 credential and with one year of industry experience. Prior to joining Morgan Stanley, he worked at FantasyPros and held mortgage-related roles at Planet Home Lending, HomeBridge Financial, and Prospect Mortgage. Outside of finance, he is involved in music licensing through the American Society of Composers, Authors & Publishers (ASCAP). Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools, without providing individual security recommendations in its standalone financial planning services.

Jeffrey Krinsky is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022, following six years at Wells Fargo Clearing and another six years at Wells Fargo Advisors LLC. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Charissa Spach is a Series 66-licensed financial advisor with Ameriprise in Calabasas, CA, and has 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of advising, she is a co-owner of R&J Pacific Management LLC, a business unrelated to investment activities. Ameriprise offers a retirement-income planning service focused on clients near or in retirement with substantial investable assets, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to tailor plans, primarily for assets held within Ameriprise-managed accounts.

Erika Dizon is an Investment Consultant at Fidelity Investments, where she works closely with clients to build and implement personalized wealth plans. She advocates for her clients by connecting them with the resources at Fidelity and empowering them to make informed financial decisions. Erika has experience in various roles within the financial services industry, including positions as a Planning Consultant at Fidelity Investments, Private Client Advisor at J.P. Morgan Securities, LLC, and Financial Consultant Partner at Charles Schwab & Co. She holds a California Insurance License. Outside of her professional work, Erika has interests in food, music, and pets.

Hannah Pourfakhrai is an Investment Consultant at Fidelity Investments, a position she has held since 2023. In this role, she works with clients in and around the community, focusing on understanding their priorities and utilizing financial planning to assist them in achieving their goals. Her experience at Fidelity Investments spans several roles, including Relationship Manager (2022-2023), Investment Solutions Representative (2021-2022), High Net Worth Associate (2020-2021), and Customer Relationship Advocate (2019-2020). This progression reflects her comprehensive exposure to various facets of investment and client relationship management. Hannah holds a California Insurance License.

Kyle Stoutland is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has been with Wells Fargo entities since 2005, including roles at Wells Fargo Advisors and Wells Fargo Bank, N.A. Outside of his advisory work, he serves on the finance committee of Tierra Del Sol, where he participates in budgeting and fundraising activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Thomas Cronley is a financial advisor with Edward Jones in Camarillo, CA, holding CFP® and Series 66 credentials and with 14 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, he is an owner of a commercial rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Kanongataa is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. His prior roles include lengthy tenures at CUSO Financial Services, LP, Wells Fargo Clearing, and Wells Fargo Investments, LLC. He also provides wealth management services at Ventura County Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a broad range of investment strategies and platforms, combining scale and diverse financial activities with oversight of substantial discretionary assets.

Matthew Minick is a financial advisor at Ameriprise with a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, he worked at Lock, Stock & Barrel Investments for four years. His background also includes roles at Pivot Magazine, Hub101, and California Lutheran University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Their retirement income service provides a collaborative, written Recommendation Report supported by investment research and algorithmic tools.

Mary Lou Guray is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2015, also serving at Bank of America, N.A. since 2016. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Albert Davidoo is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. His career includes roles at Avantax Insurance Services and his own accounting and tax preparation firm, Albert Davidoo and Company, which he has led since 2017. Outside of advisory work, he is the chairman and co-founder of the Assyrian Medical Society, a charitable organization providing medical care assistance in underserved areas. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and a nationwide network of more than 10,000 advisors.