Rashik Aryal serves as a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. In this capacity, he collaborates with clients to develop personalized financial strategies tailored to their goals and life circumstances. He joined Fidelity Investments in 2007 and has held several positions within the company, including Investment Consultant, Retirement Relationship Manager, Retirement Solutions Representative, Investments Solutions Representative, and Financial Representative. With over 18 years of industry experience and a strong foundation in finance, Rashik specializes in retirement planning, investment strategies, and financial decision-making support. He holds a California Insurance License, enabling him to provide a range of financial services. Outside of his professional commitments, Rashik engages in activities such as fitness, hiking, music, parenthood, table tennis, and yoga.

Scott Sinek is a financial advisor with Mass Mutual Investors Services in San Juan Capistrano, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2003. Outside of his advisory role, he is involved in legal work related to wills and trusts as "Of Counsel" at Blied Dillon & Mackey and coaches basketball. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to support collaborative, annual planning engagements.

Colin Smith is a CFP® professional with 18 years of experience in the financial industry. He has worked at Edward Jones since 2007 and is based in San Clemente, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm offers a range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

George Ramirez is a financial advisor with Charles Schwab in Mission Viejo, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Merrill, Bank of America, MassMutual, JPMorgan Securities, and JP Morgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervision and custody services.

Reed Romo is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and has worked previously at Cetera and Cetera Wealth Services, LLC. Outside of his advisory roles, Romo was involved with Craft House for five years. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored planning and risk profiling tools and supports advisory programs with advanced technology and specialized municipal and retirement plan services.

Robert Kimmel is a CFP® with 14 years of industry experience, currently affiliated with OSAIC since 2025. Prior to that, he held positions at Lincoln Financial Advisors Corporation, LFA, UnionBanc Investment Services, and JPMorgan Securities LLC. Outside of his advisory role, he consults on qualified employer stock ownership plans and works as an insurance agent offering accident, health, disability, and life insurance products. OSAIC serves a broad client base including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms. The firm employs asset-allocation tools and automated rebalancing to manage portfolios across multiple asset classes and supports both discretionary and non-discretionary account management.

Amir Arbabi is a financial advisor with OSAIC in Dana Point, CA, holding Series 63 and Series 66 designations and over 20 years of industry experience. His prior roles include positions at Woodbury Financial Services, Resources Investment Advisors, Independent Financial Partners, and LPL Financial. Outside of his advisory work, he serves as Managing Partner of Insight Endeavors LLC and Managing Director of Clearpath Strategic Consultants, both of which provide investment and insurance-related services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple investment platforms, employing asset-allocation tools and third-party solutions to construct portfolios across a range of asset classes.

Timothy Mcclarnan is a financial advisor at Fidelity with a Series 66 designation and over five years of career experience that includes prior roles at Farmers and Merchants Bank of Long Beach and founding Broke LLC. He also worked at In-N-Out Burger for seven years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and advise registered investment companies.

Nicole Rosario is a financial advisor at Morgan Stanley in Laguna Niguel, CA, holding a Series 66 credential with five years of industry experience. Her prior roles include positions at UBS Financial Services, Deloitte Consulting, and Macy's Inc. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Michael Sussman serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 30 years of experience in the financial services industry, he specializes in helping business owners, physicians, executives, retirees, wealthy individuals, and their families achieve their financial goals. His approach focuses on bringing simplicity and structure to complex family wealth situations, guiding clients through business succession and transition strategies, and addressing goals beyond lifestyle needs such as philanthropy and wealth transfer. Michael holds multiple professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from the California State University System. His client focus areas encompass college education planning, family wealth management, retirement income, tax minimization, portfolio management, and small business strategies. Outside of his professional work, Michael has personal interests that include mountain biking, traveling, magic, reading, astronomy, and astrophotography. He is a member of the California Hawking Club and the Orange County Astronomers, reflecting his passion for falconry and astronomy.

Kristopher Kardos is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. In addition to his advisory role, Kardos has been involved with California State University, Fullerton since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Armen Guleserian Jr. is a CFP® professional affiliated with LPL Financial, with 31 years of industry experience. He has held roles at Citigroup Global Markets, Ameriprise Advisor Services, and Waddell & Reed, among others. His other business activities include managing personal rental property. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions through a large network of advisors.

Jocelyn Gray is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has prior experience at LBS Financial Credit Union and Anaheim Unified High School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and a formal alternative investment program.

Irving Katz is a financial advisor with Cambridge Investment Research Advisors who holds the ChFC® designation and has 22 years of industry experience. He previously operated Katz Financial, LLC for over two decades before joining Cambridge in 2020. Katz also provides business exit planning consulting as part of his professional activities. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides a variety of portfolio management solutions across multiple platforms, combining proprietary and third-party strategies tailored to client objectives.

James Williams is a CFP® professional with 26 years of industry experience, currently advising at Cetera since 2023. He has previously worked at Cetera Wealth Services, LLC and founded Williams Financial Advisors, Inc., where he continues to serve as vice president and financial advisor. Outside of his advisory role, Williams is a board member of Casa de Ama, a home for special needs adults, contributing to its leadership and strategic governance. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Michael Beattie is a Series 66-licensed financial advisor with Ameriprise in San Juan Capistrano, CA, holding 20 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2006. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement planning advice through a written Recommendation Report and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Samira Izadpanah is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill, Wells Fargo, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice and manager searches through a structured, non-discretionary process that incorporates quantitative modeling and ESG criteria.

Brandon Shohdy is a financial advisor at LPL Financial with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments. Outside of advising, he is involved as a TikTok affiliate and works as a model. 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 services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Larry Newell is a financial advisor with LPL Financial in Dana Point, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2003, following a two-year tenure at UBS Financial Services. 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 access to third-party asset management on both discretionary and non-discretionary bases.

William Crowe is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank, National Association. He serves as a member of the FINRA Series 7 Item Writing Committee, contributing to the development and review of exam questions. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services including financial planning, investment management, and estate planning.