Michael Hernandez is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including The Prudential Insurance Company of America, Equitable Advisors, and National Planning Corporation. Hernandez serves on both the nonprofit and for-profit boards of the LGBTQ Attorneys and Allies Bar Association. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs, while also facilitating insurance product sales and affiliated trust services.

Michael Burt is a CFP® professional with 14 years of experience in the financial industry. He is currently with Morgan Stanley and has held previous roles at City National Bank, Bank of America, and Merrill. Burt’s career includes experience across private banking and wealth management. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling techniques in its advisory process.

Bob Kaye is a financial advisor at Osaic with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America, Inc. and Securities America Advisors, Inc. Kaye is also an author, having written a book on retirement planning titled *Enough Money to Live On: Making Smarter and Simpler Decisions for Stress-free Retirement*. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage, advisory, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to build portfolios that can include various asset classes managed on discretionary or non-discretionary bases.

Natalia Avila is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she joined in March 2017. She utilizes a goals-based wealth management process and access to global resources, investment insights of Merrill, and the banking and lending solutions of Bank of America to help clients pursue their financial goals. Natalia works to develop personalized wealth management strategies that are flexible to changing market conditions and aligned with what matters most to her clients. With a Bachelor of Arts in Economics from the University of California, Los Angeles, Natalia brings a diverse background including seven years of military service with two tours in Iraq and Afghanistan. She focuses her expertise on retirement planning, portfolio management, investment strategies, and areas such as college education planning, divorce transition planning, family wealth management, and legacy planning. Natalia serves clients including retirees, physicians, business owners, military personnel, and law enforcement officers. Fluent in English and Spanish, Natalia participates in supporting events for members of the U.S. military and law enforcement agencies. Her community involvement includes participation with Homes4Families and Operation Gratitude. In her personal time, she enjoys traveling, exercise, golfing, hiking, music, reading, soccer, tennis, and maintaining a healthy lifestyle.

Mark Guirguis is a financial advisor at Cetera with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services and his own business, Guirguis & Gibbs, where he serves as owner and vice president, handling bookkeeping, tax resolution, and investment clients. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with varied portfolio management options and access to third-party managers, overseeing more than $256 billion in assets through a network of over 10,000 advisors.

Hovig Ounjian is a financial advisor with Merrill in Glendale, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. His work history includes roles at Bank of America and Wells Fargo. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutional accounts.

Elaheh Rivandi is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, she worked at Bank of America, N.A., and has experience with Hamgam Production Group and Azad University. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Melanie Sepanian is currently a Planning Consultant at Fidelity Investments, a position she has held since 2026. She has built her career in the financial services industry, with prior roles including Relationship Manager at Fidelity Investments, Associate Representative at Thrivent, Teller at Wells Fargo, and Insurance Agent at World Financial Group. Melanie specializes in partnering with clients to understand their financial goals, such as retiring early, funding an education, or preserving wealth for future generations. She focuses on building multi-generational relationships and providing comprehensive financial guidance. She holds a California Insurance License.

Jason Betts is a financial advisor with Raymond James & Associates in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior roles include positions at Cantella & Co., Inc., Bank of America, N.A., and Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and specialized services such as municipal advisory and employer plan consulting.

Michael Lira is an advisor with LPL Enterprise holding Series 63 and Series 65 licenses. He joined LPL Enterprise in 2026 and has prior work experience with organizations including Homeboy Industries, Cool Training and Fitness, and Beauty of Aztlan LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven and includes access to third-party asset managers, financial planning, and participation in wrap programs.

Patrick Infante is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His previous roles include positions at CUSO Financial Services, Pruco Securities, Prudential Insurance Company of America, Muriel Siebert Financial, and Wells Fargo Advisors. Outside of his advisory work, he has been involved in rideshare driving in San Francisco. 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 portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Kevin Quinlevan is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. His prior experience includes nine years at TD Ameritrade and several years with Charles Schwab and Charles Schwab Bank. Outside of his advisory work, he owns a rental property in Omaha, Nebraska. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Cole Bryant is a financial advisor with Thrivent Investment Management in Pasadena, CA, holding a Series 66 designation and two years of industry experience. His prior work includes positions at Peermusic, Azusa Pacific University, and Houzz. Outside of advising, he is the owner of BRYANT & SEG LLC, an LLC formed to manage a real estate investment property jointly held with another member. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning without discretionary trading authority and providing ongoing plan reviews through its network of financial advisors.

Edmund Regan II is a financial advisor with RBC Capital Markets and City National Bank, holding Series 63 and Series 65 credentials and offering 41 years of industry experience. He has been with these firms since 2016. Outside of finance, he is involved in multiple business ventures including restaurant operations and technology seed capital funds, and serves on the boards of a children’s group home and a theater organization. He is also a passive owner in thoroughbred horse racing. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with diverse investment programs that offer discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Andrea Abeger is a financial advisor with Merrill in Encino, CA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has worked at Merrill since 1992 and has been associated with Bank of America, N.A. since 2009. Outside of her advisory role, she is a general partner in a family limited partnership and serves as trustee or fiduciary for multiple family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Ouellette is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at PFS Investments, Inc. and Instacart, as well as a long tenure at Primerica Financial Services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, along with corporate and charitable clients. The firm utilizes model-delivery strategies managed by third-party asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Jason Krischer is a financial advisor at UBS Financial Services Inc. with 20 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Kevin Fusco is a financial advisor at Morgan Stanley with a Series 66 credential and five years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018, following earlier roles at TransPerfect. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Nicole Shao is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 11 years of industry experience. Her prior positions include roles at JP Morgan Chase Bank and City National Securities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party strategies.

Kirk Lombard is a CFP®-designated financial advisor with 20 years of industry experience, currently associated with LPL Financial since 2011. Prior to joining LPL, he worked at Osaic FA, Inc. for five years. He is also involved in non-variable insurance, including life, disability, long-term care, and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing various model portfolios, third-party subadvisors, and customized strategies.