Phil Schramm is a CERTIFIED FINANCIAL PLANNER™ professional with over 41 years of experience. He has been with Raymond James Financial and its related entities since 1991, serving at Raymond James Financial for the past 17 years. Outside of advising, he is involved in managing rental real estate properties, including Executive Suites in Valencia, CA, and operates Schramm Financial Group, which provides insurance services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools to support client goals, and it maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

M Eskoff is a financial advisor with Morgan Stanley in Valencia, CA, holding Series 63 and Series 65 licenses and having 35 years of industry experience. He has been affiliated with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with 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 broad investment strategies in its advisory services.

Martina Vega is a financial advisor with Edward Jones in Valencia, CA. She holds Series 63 and Series 66 designations and has 26 years of industry experience, including 22 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Kamerie Larsen is a Financial Advisor with Merrill Lynch Wealth Management, specializing in retirement planning. She focuses on empowering clients to understand and feel confident in making financial decisions. Kamerie collaborates with clients to develop personalized financial plans based on individual goals and comfort levels. With more than 30 years of experience in the financial industry, Kamerie joined Merrill due to its holistic approach to wealth management and banking. Her role provides access to elite Money Managers and an open architecture that allows her to deliver a comprehensive range of Bank of America's deposit and lending services, positioning her as a single point of contact for clients' financial needs. She holds the Personal Investment Advisor (PIA) designation and is affiliated with Merrill Lynch Wealth Management. Outside of her professional role, Kamerie is involved with the community organization Zoe International. She enjoys spending time with her family, including her two dogs, Bailey and Annabelle, and has a passion for traveling and exploring new cultures. In her leisure time, she likes biking, dancing, music, and reading.

Ryan Mckell is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and bringing 12 years of industry experience. He has worked at LPL Financial since 2025 and previously with Cambridge Investment Research Advisors and FSC Securities. Mckell also operates McKell Financial, a professional corporation established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kyle Wilson is a financial advisor at Edward Jones with 35 years of industry experience. He has been with Edward Jones since 2005 and holds the Series 63 and Series 66 designations. Outside of his advisory role, Wilson is a homeowner involved in a room rental business in Thousand Oaks, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Willie Lopez is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2017. Prior to his career in finance, he worked at Target from 2012 to 2017. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Shilu Shrestha is a financial advisor with Merrill in Newhall, CA, holding a Series 66 designation and having one year of industry experience. Shilu has worked with Merrill since 2015 and was previously employed at Bank of America, N.A. Outside of advisory work, Shilu is the owner of a rental property business in Richmond, CA. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ramez Haddad is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at Equitable Advisors and has held various roles in education and retail. Haddad is also the owner and developer of Revv Technologies, Inc., an automotive CRM and marketplace business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marc Henderson is a financial advisor with Thrivent Investment Management in Valencia, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. Prior to joining Thrivent in 2018, he worked at Fidelity Investments from 2014 to 2018. Outside of his advisory role, Henderson serves on the boards of Habitat for Humanity of Greater Los Angeles and the Seed House Project, and he is vice president of the CSU Northridge Black Alumni Association. He is also involved in business ventures including co-ownership of BN Real Estate Group and ownership of The Hendee Group LLC, which provides organizational and operational consulting services. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written recommendations on a broad range of financial planning topics without implementation. The firm integrates goal-based analyses with managed-account programs under a consolidated billing option, maintaining a focus on planning rather than portfolio management for institutional clients.

Kevin Olalde Martinez is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to define their financial goals and develop portfolio strategies designed to help them reach those objectives. Kevin provides ongoing advice and adjusts portfolios as clients' situations change. His areas of focus include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Kevin earned his High School Diploma from Van Nuys High School and attended Los Angeles Pierce Community College. He is bilingual in Spanish and English. Outside of work, Kevin enjoys billiards, cooking, soccer, spending time with his family, traveling, watching movies, and woodworking.

Alejandro Jimenez is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, and JP Morgan Chase Bank. 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.

Oscar Nevarez 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 at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its services on a non-discretionary basis.

Dorenda Sprague is a financial advisor with Primerica Advisors in Santa Clarita, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2017. Outside of financial advising, she is co-owner of AFD Entertainment, LLC and owner of 2SOL Productions, a television and film production company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

David Park is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 35 years of industry experience. He has worked at Cetera since 2026 and previously held roles at OSAIC, Park Wealth Advisors, and FSC Securities Corporation. He is also involved with Park Wealth Advisors, where he provides insurance and variable annuity sales and consultation. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and employs a multi-manager platform with various program options.

Denisha Davis is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Intuit and Chase Bank. Outside of her advisory role, she owns Business Savvy 365, a company specializing in accounting and tax preparation services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Michael Berger is a financial advisor at Morgan Stanley with 45 years of industry experience. He has held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved modeling tools.

Stephen Lo is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities LLC since 2015. J.P. Morgan Securities LLC provides institutional consulting services to 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 brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Matt Price is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written Recommendation Reports through a centralized consulting team, offering a range of advisory, brokerage, and insurance solutions.

David Goller is a financial advisor at Morgan Stanley in Valencia, CA, with 31 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and Morgan Stanley & Co. Incorporated since 2008. He holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including financial planning supported by structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.