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.

January Johnson is a financial advisor at Fidelity with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. Her prior experience includes positions at LPL Financial and Fifth Third Securities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and advisor to multiple registered investment companies, using systematic methodologies and AI-driven research tools.

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.

May Liu is a Series 66 licensed financial advisor with 18 years of industry experience, currently with LPL Financial since 2018. Her prior experience includes roles at Logix Federal Credit Union, Invest Financial Corporation, J.P. Morgan Securities, Chase Investment Services Corp., Merrill, and Citigroup Global Markets. Liu is based in Thousand Oaks, CA. 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 through its network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized investment strategies.

Ashlyn Wetmore is a financial advisor with Equitable Advisors in Simi Valley, CA. She holds the Series 66 designation and has one year of industry experience. Her prior work includes roles at Oliver Labs Inc, Castle Management LLC, Islands Restaurants, Focus and Testing, Simi Valley Aquatics, and Royal High School. Equitable Advisors serves individuals, retirement plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm offers various advisory models implemented via third-party managers and LPL-sponsored programs, covering mutual funds, ETFs, separately managed accounts, alternative investments, and ERISA fiduciary services.

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.

Emily Desimone is a CFP® professional with 17 years of experience in the financial industry. She currently works at Strategic Advisers LLC, a Fidelity Investments company, where she has been since 2011. Her prior roles include positions at Modera Wealth Management, LLC and Back Bay Financial Group, Inc. Strategic Advisers provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios to intermediary platforms.

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.

Oscar Nevarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG eligibility frameworks and utilizing broader derivatives and commodities capabilities.

Karina Madrigal is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Her career includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Wells Fargo. 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 network of over 22,900 advisors.

Dorenda Sprague is a financial advisor at Primerica Advisors with nine years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with Primerica since 2017. Outside of financial advising, she is involved in television and film production through her ownership of 2SOL Productions, LLC, and co-ownership of AFD Entertainment, LLC. Primerica Advisors sponsors a wrap-fee asset management program that serves individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

David Park is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 35 years of industry experience. He has worked at Cetera since 2026 and previously held roles at OSAIC, Park Wealth Advisors, and FSC Securities Corporation. He is also involved with Park Wealth Advisors, where he provides insurance and variable annuity sales and consultation. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and employs a multi-manager platform with various program options.

Denisha Davis is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Intuit and Chase Bank. Outside of her advisory role, she owns Business Savvy 365, a company specializing in accounting and tax preparation services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Michael Berger is a financial advisor with Morgan Stanley in Valencia, CA, holding a Series 63 license and bringing 45 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 1993 to 2009. Outside of his advisory role, Berger is a sole proprietor of a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers investment and planning services that encompass broad offerings across retail and institutional markets.

Sukhvinder Kaur is a financial advisor with Primerica Advisors in Simi Valley, CA. She holds Series 65 and Series 63 licenses and has one year of industry experience. Prior to joining Primerica Advisors, she worked at Primerica Financial Services and has experience in senior living and nursing education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based strategies developed by unaffiliated asset managers and supports accounts through BNY Mellon Advisors and Pershing custody services.

Stephen Lo is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill, UBS Financial Services, and CUSO Financial Services prior to joining J.P. Morgan Securities in 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating quantitative and qualitative research.

Christopher Boynton is a CFP® professional with 24 years of industry experience, currently serving at Cetera. His career includes long-term roles at Arxis Financial Inc. and Avantax entities. Outside of advisory work, he is a division director and board member of the American Youth Soccer Organization in Simi Valley, CA. Cetera Investment Advisers LLC provides a multi-manager platform to a nationwide network of independent advisors, serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services with access to affiliated and third-party managers across multiple program structures.