Eric Cooper is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Avantax Investment Services and Avantax Advisory Services among other firms. He is also involved with Winther and Company, providing tax preparation and accounting services. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Rajesh Gulrajani is a financial advisor with Wells Fargo Clearing in North Hills, CA, holding a Series 66 designation and 21 years of industry experience. His prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Scottrade Inc. 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 through a network of more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Michael Chibidakis is a CFP® professional with 30 years of experience in the financial services industry. He has worked with Raymond James Financial Services Advisors Inc. since 2013 and previously operated McNeely Financial Strategies Inc. DBA Lifestyle Wealth Management for six years. Outside of his primary role, he also works as an independent contractor providing financial advisory and wealth management services for Legend Wealth Management. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and supports client implementation through its advisory programs or other providers.

Lawrence Stevenson III is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual Wealth Management Company, Northwestern Mutual Investment Management, and Mitchell C. Beer. His current role includes involvement with LOGIX Federal Credit Union. 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 and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Natalie Pavia is a financial advisor at Thrivent Investment Management with four years of industry experience. She holds a Series 66 designation and has prior experience at Action VC and Global Entertainment Securities. Outside of her advisory role, she owns Jefita Design Co., an Etsy business that sells digital art prints. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive goal-based financial plans without portfolio management or discretionary trading authority.

Susanne Costantini is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill Lynch and Bank of America prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a diverse range of investment products and strategies.

Larry Zuckerman is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TCFG Investment Advisors, LLC, TCFG Wealth Management, LLC, and National Planning Corporation. Outside of advising, he is involved in insurance-related businesses, including the Zuckerman Insurance Agency and the Zuckerman Senior Benefit Group. 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 advisers. The firm offers financial planning, advisory programs, retirement plan consulting, and various brokerage services, utilizing model portfolios, third-party research, and a broad range of investment strategies.

Sergio Tirado is a financial advisor with J.P. Morgan Securities in Mission Hills, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Target Corporation. 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 inform their recommendations.

Lizbeth Landey is an International Wealth Advisor with Merrill Lynch Wealth Management. She focuses on providing wealth management services tailored to high net worth and ultra-high net worth clients, including families and institutions. Lizbeth’s approach emphasizes a goals-based wealth management process that integrates all aspects of a client’s financial life, aiming to help clients prioritize and achieve their most important financial objectives through ongoing collaboration and strategy adjustments. Her expertise covers a range of areas including divorce transition planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Lizbeth holds the Personal Investment Advisor (PIA) designation and is bilingual in English and Spanish. Lizbeth completed her high school education at Academia del Perpetuo Socorro and earned a Bachelor’s Degree from the University of Miami. Outside of her professional work, she enjoys boating, fishing, and spending time with her family.

Joseph Mandujano is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Logix Federal Credit Union, Heritage FCU, CUNA Brokerage Services, Inc., Cetera Advisors LLC, and Investors Capital Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, 529 account management, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.

Bruce Gendein is a financial advisor at Osaic with 48 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at Senex Insurance Services, Inc. since 1992 and Royal Alliance Associates, Inc. since 1989. Outside of his advisory work, he serves as a trustee overseeing asset management and tax reporting and consults on qualified retirement plans and pension matters for closely held businesses. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing tools such as asset-allocation models and automated rebalancing to construct portfolios across various asset classes.

Jaclyn Hong is a financial advisor at Cetera with five years of industry experience. She holds a Series 66 designation and has worked at Cetera Investment Advisers LLC and Cetera Financial Specialists LLC since 2023, following prior roles at Avantax Advisory Services and other firms. Outside of her advisory work, she assists with physical labor and repairs at family-owned properties. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Oswaldo Ramos is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has held prior positions at Western International Securities, Inc. and Citigroup Global Markets. Ramos is involved in managing a personal business entity related to investment activities. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management complemented by research and model portfolios.

Andy Gitipityapon is a financial advisor at LPL Financial with 26 years of industry experience. He previously worked at Western International Securities, Inc. for seven years and Citigroup Global Markets for nine years. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Michael Moghtader is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various divisions of JPMorgan Chase since 2016. 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 applying an ESG eligibility framework in its investment recommendations.

Ryan Fullarton is a financial advisor with Morgan Stanley in Valencia, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Katie Choi is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Merrill and Bank of America. Outside of her advisory role, she is employed as a care provider under California’s In-Home Supportive Services program. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Phillip Lau is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2018. Prior to this, he spent 11 years at INVEST Financial Corp and has served as an operations specialist and client services representative at Logix Federal Credit Union since 2000. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches and a variety of model portfolios and research resources.

Sean Coumans is a financial advisor at Ameriprise Financial Services, LLC with 18 years of industry experience. He holds a Series 66 designation and has worked previously at CUSO Financial Services, LP and California Credit Union. He is also employed as a financial advisor at California Credit Union. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Derrick Kimbrough is affiliated with Primerica Advisors and holds Series 63 and Series 65 credentials. He has 32 years of industry experience, including 15 years at Boeing Aerospace and longstanding roles at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he has been involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.