Marianne Frega is a Series 66 licensed financial advisor with Merrill in Santa Clarita, CA, where she has worked since 2015. She has three years of industry experience. Outside of her advisory role, she owns a sole proprietorship that sells household items online. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Sai Savant is a financial advisor at Merrill with a Series 66 designation and 19 years of experience at the firm since 2007. He is based in Santa Clarita, 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sergio Tirado is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, with prior roles at Wells Fargo Clearing and Target Corporation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program that focuses on asset allocation advice, investment manager and fund searches, and customized performance reporting. Its advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Joseph Mandujano is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His work history includes roles at several firms such as Logix Federal Credit Union, Heritage FCU, CUNA Brokerage Services, Cetera Advisors, Investors Capital Corp., and Invest Financial Corporation. 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 comprehensive range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Bruce Gendein is a financial advisor with Osaic, holding the ChFC® and Series 63 designations and bringing 48 years of industry experience. He has worked at Senex Insurance Services, Inc. since 1992 and Royal Alliance Associates, Inc. since 1989. Outside of his advisory roles, he serves as a trustee overseeing asset management and tax reporting, and consults with closely held businesses on qualified retirement plans and insurance needs. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various customizable investment strategies.

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 with LPL Financial in Northridge, CA, holding Series 63 and Series 65 credentials and 31 years of industry experience. He previously worked at Citigroup Global Markets for 11 years and Western International Securities, Inc. for 7 years. Ramos is involved with the Oswaldo H Ramos Corporation and provides non-variable insurance services in his other business activities. 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 third-party asset management, supported by a network of over 22,800 advisors.

Andy Gitipityapon is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Western International Securities, Citigroup Global Markets, and Wamu Investments. He also operates AG Wealth, an investment-related business connected to his LPL practice. 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 portfolios, and institutional platforms, supported by extensive technology tools and a broad array of non-advisory financial products.

John Diaz Mena is a Financial Consultant at Fidelity Investments, where he has been working since 2025. Prior to this role, he held positions at Fidelity Investments including Benefits & Planning Consultant in Executive Services from 2023 to 2025, Investment Solution Representative from 2021 to 2023, and Financial Representative from 2019 to 2021. John is licensed with a California Insurance License and focuses on establishing personalized partnerships with clients to understand their unique financial goals. He aims to provide support and guidance to create robust financial plans tailored to individual needs. Outside of his professional work, John has personal interests in cars, outdoor adventures, snowboarding, soccer, and traveling.

Michael Moghtader is a financial advisor with J.P. Morgan Securities in Granada Hills, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with various J.P. Morgan entities since 2016, including JPMorgan Chase Bank and J.P. Morgan Securities. 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 searches, and customized performance reporting within a non-discretionary advisory framework. The firm combines quantitative and qualitative due diligence to develop model asset allocations and incorporates broader derivatives and commodities capabilities.

Ryan Fullarton is a financial advisor at Morgan Stanley in Valencia, CA, holding a Series 66 credential with 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Katie Choi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. Her career includes prior roles at Merrill and Bank of America. Outside of her advisory work, she is involved as a care provider with In-Home Supportive Services, a California state program offering in-home care services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select team of Wealth Advisors. The firm’s approach emphasizes non-discretionary, written asset allocation advice supported by centralized due diligence and combines quantitative and qualitative manager research.

Phillip Lau is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2018 and previously spent 11 years at INVEST Financial Corp. Since 2000, Lau has also been an Operations Specialist and Client Services professional 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 other 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 and significant operational 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.

John Janios is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at OSAIC. His prior roles include positions at LPL Financial, Logix FCU, and Invest Financial Corporation. He owns Aristo Wealth Management, where he provides financial planning and wealth advisory services. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing a wide range of investment programs supported by both proprietary and third-party strategies.

Dean Kunihiro is a financial advisor with LPL Financial, holding a Series 63 designation and 30 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Kunihiro is also an insurance agent involved in selling life, health, long-term care, and disability insurance. 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 various advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advisor-facing technology and a wide range of financial offerings.

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.

Leon Smith is a CFP® with 31 years of industry experience and is currently affiliated with Cetera. He has worked in various capacities within Avantax and related firms for over three decades. In addition to his advisory role, he provides tax preparation and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers comprehensive portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Michael Gattuso is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at American Portfolios Financial Services, Inc. and First Allied Securities, Inc. He is also the owner of Gattuso Financial Services, an insurance business. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization techniques.

Ronald Sera is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at firms including Cetera and Financial West Group. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary consulting through various advisory programs and institutional solutions.