Richard Emmons is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and modeling techniques.

Carlos Cabrera is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. His prior work includes 14 years at Wells Fargo. Outside of finance, he owns several small businesses related to boxing news and apparel, catering, and shoe resale, and he also works as a part-time Uber driver. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities.

Glenn Crawford is a financial advisor with Mass Mutual Investors Services in Newhall, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Signature Resources Capital Management and Taylor Insurance and Financial Services. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative relationships, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Robert Arshagouni is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He is co-partner at Jackson & Arshagouni, a tax and accounting firm, and serves as president of the Marilyn Arshagouni Scholarship Fund, which administers scholarship awards. He also holds leadership roles in a youth soccer volunteer organization and is CFO of a manufacturing business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including 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 across various program structures.

Jared Carter is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. His prior experience includes roles at Equitable Advisors and Northwestern Mutual. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research and quantitative analysis to develop systematic, model-based portfolio strategies including multi-manager and fund-of-funds structures.

Tammy Hospodar is a financial advisor at Cetera with 33 years of industry experience and holds the Series 63 and Series 65 designations. She has worked at firms including Park Wealth Advisors, Unionbanc Investment Services, and OSAIC. She is also the Chief Investment Officer of Park Wealth Advisors, where she advises on long-term care, life insurance, health insurance, and fixed annuities as part of comprehensive financial planning. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures and custodial relationships.

Karl Orlowski is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions with Avantax Investment Services, Triad Advisors, and Summit Financial Consultants. Outside of Cetera, he is also a financial advisor with Concierge Wealth Management Services Inc., focusing on wealth management and financial planning. Cetera Investment Advisers LLC operates a nationwide network of independent advisors, serving a diverse client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various investment strategies and program structures.

Clark Jolley is a financial advisor at LPL Financial with 50 years of industry experience. He has worked at LPL Financial since 2009 and previously spent seven years with Mutual Service Corporation. He holds a Series 63 designation. 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 institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms supported by both proprietary and third-party strategies.

Ensieh Kharghanian is a Series 66-licensed financial advisor with six years of industry experience. She has worked at Edward Jones since 2024 and previously held positions at Merrill Lynch Pierce Fenner & Smith Inc., JPMorgan Chase Bank N.A., Citigroup, Wells Fargo, and Credit Mutuel. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Gabriel Garcia is currently the Vice President, Wealth Planner at Fidelity Investments. In this role, he collaborates with clients to develop and implement personalized financial strategies aimed at achieving their goals for financial independence and fulfillment. He prioritizes understanding clients' unique needs and concerns to guide them through financial planning complexities. Before joining Fidelity Investments in 2025, Gabriel held a variety of roles in the financial services industry. His previous positions include Senior Financial Advisor at Wells Fargo Advisors from 2023 to 2025, Private Client Advisor at J.P. Morgan Securities from 2019 to 2023, Financial Solutions Advisor at Merrill Lynch from 2016 to 2019, and Relationship Banker Small Business Specialist at J.P. Morgan Chase from 2011 to 2016. He holds a California Insurance License. Outside of his professional responsibilities, Gabriel has interests in baseball, bowling, family activities, food, football, and music.

Shane Upshaw is a financial advisor at LPL Financial holding Series 65 and Series 63 licenses. He has less than one year of industry experience, with prior roles including positions at New York Life and Zapata Private Wealth. 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, supported by a large network of investment adviser representatives.

Brett Mountain is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Bank before joining Thrivent in 2017. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial analyses and allows clients to combine planning with managed-account services under a consolidated billing option called "WealthPlan," while keeping the services separate.

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 with LPL Financial in Valencia, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior experience includes roles at Northwestern Mutual Wealth Management Company, Fidelity, TD Ameritrade, and Morgan Stanley. Stevenson is also associated with Logix Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Natalie Pavia is a financial advisor at Thrivent Investment Management with four years of industry experience. She holds a Series 66 designation and has worked at Thrivent Financial since 2022. Outside of her advisory role, she owns and operates Jefita Design Co., an Etsy business selling digital art prints. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach includes periodic reviews and the option to combine planning with managed accounts through its WealthPlan program.

Susanne Costantini is a Series 66-registered financial advisor with J.P. Morgan Securities, bringing eight years of industry experience. Her prior roles include positions at Bank of America, Merrill Lynch, and Woodbridge Wealth. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Larry Zuckerman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 27 years of industry experience. His prior roles include tenures at TCFG Investment Advisors, National Planning Corporation, and Morgan Stanley Dw Inc. He is also involved in insurance-related businesses, including ownership of an insurance agency. 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 with a variety of investment strategies and platforms, supported by extensive operational tools and a large network of advisors.

Frank Rehhaut is a financial advisor with LPL Financial and holds Series 65 and Series 63 designations. He has 30 years of industry experience with prior roles at Trustage, Ameriprise Financial Services, Kinecta Financial & Insurance Services, and Premier America Credit Union. Rehhaut serves on the Board of Directors of the North Valley Family YMCA. 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.