Andrew Munoz is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Outside of his advisory role, Munoz serves as a board member for the Santa Clarita Sheriff's Foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides financial planning and advisory services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models as part of its comprehensive advisory programs.

Milton Rodriguez is a CFP® professional with five years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, Mofrad Financial Solutions, and H&R Block. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program options, including access to third-party money managers and model portfolios.

Daniel Castillo Reyes is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Daniel earned a Bachelor's Degree from the University of Texas El Paso. His role involves providing financial advice and services within Merrill Lynch Wealth Management.

Troy Castagna is a financial advisor with Cetera who holds a Series 66 credential and has 20 years of industry experience. His prior experience includes roles at Augusta Financial, Avantax Advisory Services, and Avantax Insurance Agency. Outside of his advisory work, he owns Red Circle Lodge, Inc., a residential treatment center for adolescents dealing with substance dependency and behavioral issues. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors and serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Benjamin Friedman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having six years of industry experience. He has been with LPL Financial since 2020 and is also associated with Premier America Credit Union, where he has worked since 2017. 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 investment programs and utilizes various portfolio management strategies, supported by technology and research tools.

Henry Romero is an advisor with Primerica Advisors holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Aptive Environmental and Sapori Ristorante. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets under management.

Drew Skelly is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 29 years of industry experience. His prior work includes 13 years at Citigroup Global Markets before joining Morgan Stanley Smith Barney in 2009 and subsequently Morgan Stanley Private Bank, N.A. Skelly is also a partner in a check printing business. 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.

Derek Butler is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His career includes roles at firms such as Waddell & Reed, HD Vest, and National Life. Butler also manages the Derek Butler Family Trust. 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.

Peter Urrutia is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2020. His prior experience includes roles at Wells Fargo Clearing and Primerica Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Charles Curtin is a financial advisor with Osaic, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior work includes roles at SagePoint Financial, Inc. and NPB Financial Group, LLC. Outside of his advisor role, he owns a sole proprietorship providing life and long-term care insurance quotes and related fixed insurance products. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and various managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies across a broad set of programs.

David Weible is a CFP® professional affiliated with LPL Financial, with 37 years of industry experience. He has been associated with LPL Financial since 1998 and founded Envision Wealth Management, Inc., where he has worked for 24 years. His background includes non-variable insurance activities connected to his independent wealth management work. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies, supported by technology tools for operational and research purposes.

Joshua Saber is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked previously at Avantax Insurance Services and David J. Fender & Associates Inc. In addition to his advisory role, he is the CEO of Saber CPAs Inc., where he manages tax preparation, compilations, and business planning. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across multiple investment platforms.

Nicholas Green is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with OSAIC and has previously worked at Royal Alliance Associates, INC. and Sii. In addition to his advisory roles, he owns Green Tax & Financial, where he provides tax preparation services and sells fixed annuity products. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, and charities. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Antoine Abi Nader is a financial advisor with LPL Financial, holding a Series 66 designation and over 22 years of industry experience. His prior roles include positions at Western International Securities, J.P. Morgan Securities, Chase Investment Services, Wamu Investments, and Wells Fargo Investments. He is also the owner of a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, model portfolio programs, third-party asset management, and institutional platforms for individuals, retirement plan participants, banks, and trust companies. The firm supports a large network of over 22,800 advisors and manages more than $819 billion in discretionary assets.

Pheap Chev is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services, LLC since 2021, with prior experience at TD Ameritrade from 2016 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator while advising multiple registered investment companies.

Joy Brannan is a CFP®-certified financial advisor with Edward Jones, based in Northridge, CA, and has 30 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Stephen Festa is a Financial Advisor with Merrill Lynch Wealth Management, where he works directly with clients to define and pursue their financial goals through tailored portfolio strategies. He focuses on providing ongoing advice and adapting financial plans as clients' needs evolve. Stephen's expertise encompasses a broad range of financial areas including general investing, retirement planning, and saving for unexpected expenses. He collaborates with clients to understand their priorities and develop short-, mid-, and long-term objectives. In addition, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Stephen holds the Personal Investment Advisor (PIA) designation and has completed accredited certificate programs from the Texas A&M University System and the University of Pennsylvania Wharton School of Business. Outside of his professional work, his personal interests include baseball, ice hockey, music, skiing, tennis, and watching movies.

Michael Mildon is a financial advisor with LPL Financial in Granada Hills, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing, U.S. Bancorp Investments, Citigroup Global Markets, and Citicorp Investment Services. He also participates in offering investment products and services under the Water & Power Financial Services name. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of advisors using various investment strategies and offers a range of financial planning and asset management solutions.

Erick Arndt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He has been with LPL Financial since 2013 and previously worked at Primerica Advisors for one year. In addition to his advisory role, he is involved in estate planning through Virtue Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Nicole Downing is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Avantax Advisory Services, Avantax Insurance Agency, and BISYS Insurance Services. Outside of advising, she is involved in tax preparation through her own firm, Downing Tax & Financial Services, and is a partner in a lease-to-own equipment business serving a local gym. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, financial planning, and consulting services, supported by a large network of independent advisors and over $256 billion in assets under management.