Melisa Bahmanyar is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds a Series 66 designation and previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2013 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Todd Augustine is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial, Kinetca FCU, Edward Jones, Aflac, and Sanofi Pharmaceuticals. Todd is based in Newbury Park, CA. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Clinton Spivey is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has managed rental property investments as a sole proprietor since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a comprehensive investment approach to support its clients’ financial goals.

Daniel Yates is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. His prior experience includes roles at Bank of America and Merrill from 2010 to 2022. Outside of his advisory work, he owns and operates J. Elliott Capital Management, a private investment practice based in Thousand Oaks, CA. Wells Fargo Advisors is a broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm’s services include comprehensive planning and tailored recommendations supported by Wells Fargo research, with a range of advisory and brokerage implementation options.

Sharone Rotkopf is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 designation and has been with LPL Financial since 2005. Outside of his advisory role, he is involved in insurance sales and participates in investment research surveys. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support, alongside various non-advisory services such as insurance and lending products.

Greg Berlant is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has over 19 years of experience in the financial services industry, having previously worked as a Senior Financial Consultant at TD Ameritrade from 2008 to 2018 and as a Financial Advisor at Morgan Stanley from 2007 to 2008. Greg focuses on creating clear and actionable financial plans that align with his clients' goals. Greg holds a California Insurance License, supporting his ability to provide comprehensive financial advice. He emphasizes understanding his clients' visions to build a strong foundation for their financial futures. Outside of his professional work, Greg has interests in fitness, football, pets, snowboarding, and traveling.

Joan Bernstein is a financial advisor at LPL Financial with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of her advisory role, she is involved in fixed insurance and long-term care fixed annuities through Freedon Wealth Management, Inc. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement consulting with access to model portfolios, third-party research, and multiple investment management options.

Cooper Pullin is a financial advisor with J.P. Morgan Securities holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., Wells Fargo Clearing, and Tesla Motors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan broker-dealer and banking organization and offers a range of investment solutions with a focus on non-discretionary advisory services.

San Pham is a financial advisor with Ameriprise in Glendora, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, utilizing a centralized consulting team to deliver non-discretionary, research-driven recommendation reports that incorporate tax-smart withdrawal strategies and Social Security options.

Stephanie Morris is a financial advisor at Stifel with 33 years of industry experience. She previously worked at Morgan Stanley for eight years before joining Stifel in 2023. She holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Adam Silverman is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their financial goals and develop customized financial plans tailored to their unique needs. He emphasizes forming strong, trust-based relationships with clients and their families. Adam's professional experience includes his current position as Financial Consultant at Fidelity Investments since 2025. Prior to this, he served as a Planning Consultant at Fidelity Investments from 2023 to 2025, and briefly as a Relationship Manager at the same firm in 2023. Before joining Fidelity, he worked as a Client Service Specialist at Mutual Group from 2020 to 2023. He holds a California Insurance License.

Thomas Eisenstadt is a financial advisor with Stifel Nicolaus & Co Inc, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. He has been with Stifel since 2011. Outside his advisory role, he serves as chairman and president of the Ventura County Chapter of the California Rifle and Pistol Association, a nonprofit organization focused on constitutional advocacy, and is a board member of the Woodland Hills Tax and Estate Planning Council. Stifel serves a diverse client base including individuals across wealth levels, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is grounded in proprietary methodologies developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

David Schrempf is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior roles include positions at OSAIC, Osaic FA, Inc., MML Investors Services LLC, and MassMutual Life Insurance Company. Outside of his advisory work, Schrempf serves as a 2nd Lieutenant and Transportation Officer for the Civil Air Patrol and is involved with ProVisors as Social Chairman for Westlake 5 and Associate Group Leader for an affinity group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals, risk tolerance, and time horizon.

George Sinanis is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 66 designation and previously worked for Western International Securities, Inc. for 12 years. Outside of his advisory role, he is involved with non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research and model portfolios from internal and external sources.

Michael Frischman is a CFP® with 35 years of industry experience, currently serving at LPL Financial. His prior roles include positions at Ic Advisory Services Inc, The Investment Center Inc, and Questar Asset Management. In addition to his advisory work, he operates as an independent insurance agent, recommending fixed annuities and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, supported by research and various portfolio management options.

Seth Gray is a financial advisor with Charles Schwab in Woodland Hills, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2009. 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Matthew Martinez is a financial advisor with J.P. Morgan Securities in Simi Valley, CA, holding Series 66 and Series 63 designations and five years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., Transamerica Financial Advisors, Inc., and Revolution Financial Management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Robert Miller is a financial advisor with Wells Fargo Clearing in Thousand Oaks, CA, holding Series 63 and Series 65 licenses and 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as co-trustee for his father's trust and co-executor for his mother's estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical large institutional advisers.

Joel Boyce is a financial advisor with Ameriprise in Westlake Village, CA, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he owns EPIC Operations LLC and is involved in independent insurance brokering with several carriers. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing tailored written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver personalized retirement advice, primarily for clients maintaining a meaningful portion of assets in Ameriprise-managed accounts.

Youcheng Wu is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior work includes multiple roles at Bank of America from 2016 to 2022 and involvement with Honhu Company in 2018. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.