Michelle Elliot is a financial advisor with LPL Financial based in Santa Clarita, CA. She holds Series 63 and Series 66 designations and has 31 years of industry experience. Her previous work includes 11 years at INVEST Financial Corp. and over three decades at Logix Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Chien Chen Huang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, Huang worked at East West Bank and has been associated with Primerica Financial Services and 99 Ranch Market. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-driven strategies and select separately managed accounts for individual and high-net-worth clients, primarily structured as a wrap-fee solution rather than institutional plan management.

Kathryn Lynch is a financial advisor at LPL Financial with three years of industry experience. She holds a Series 66 designation and has previously worked at Logix Federal Credit Union, Chase Bank, and Spirit Airlines. Outside of her advisory role, she is involved with Logix Financial Services, a business related to her LPL affiliation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Ronald Mann is a financial advisor with Edward Jones in Granada Hills, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Phil Schramm is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and 41 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1991 and with Raymond James Financial since 2009. Outside of his advisory work, he is involved in managing office rental businesses and operates an insurance agency through Schramm Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning and uses analytical tools to support client goals, additionally offering specialized municipal advisory and SIMPLE IRA consulting services.

Megan Mendez is a Series 66 licensed financial advisor at J.P. Morgan Securities with two years of industry experience. Prior to joining J.P. Morgan Securities, she worked at Equitable and has held positions in various other industries. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating ESG criteria and utilizing affiliates for implementation and portfolio services.

M Eskoff is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with various Morgan Stanley entities since 1998, including Morgan Stanley Private Bank, National Association since 2015. 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 financial planning services that utilize structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

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 CFP® professional affiliated with LPL Financial, with 12 years of industry experience. He previously worked at Cambridge Investment Research Advisors and FSC Securities. He is also involved with McKell Financial, a professional corporation he established for tax and investment purposes. 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 advisory and brokerage services, including financial planning and access to third-party asset management, and supports its large network of advisors through model portfolios, technology tools, and various institutional platforms.

W. Kevin Kessler is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Royal Alliance Associates, Signator Investors, and American General Financial Advisors. He also operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a broad range of advisory and brokerage services, including financial planning and third-party asset management.

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.

Joseph Gopez is a financial advisor at LPL Financial with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Transamerica Financial Advisors, Inc. and WFGIA. He is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

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.

Robert Stern is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 27 years of industry experience. He previously worked at Avantax Investment Services and Cetera before joining LPL Financial. Outside of advising, Stern serves as Treasurer for both the Henry Mayo Newhall Memorial Hospital Foundation and the Newhall Rotary Community Foundation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and operational tools.

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.

Christopher Simonoff is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America since 2010, with prior roles at Athas Capital Group Inc and Nina Lending LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.