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 worked previously at Securities America, Inc. and Securities America Advisors, Inc. Since 2020, he has authored the book *Enough Money to Live On: Making Smarter and Simpler Decisions for Stress-free Retirement*. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple programs and a model-based investment process emphasizing asset allocation and portfolio optimization.

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.

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.

Michael Lira is a financial advisor at LPL Enterprise with Series 65 and Series 63 licenses. He has recent experience working in various roles including Homeboy Industries and multiple educational institutions. Outside of advising, he has held positions with Beauty of Aztlan LLC and Cool Training and Fitness. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers a range of financial planning and consulting services.

Patrick Infante is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His prior work includes roles at CUSO Financial Services, Prudential Insurance Company of America, Muriel Siebert Financial, and Wells Fargo. Outside of his advisory role, he also works as an Uber rideshare driver in San Francisco. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and 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 advanced operational tools and a broad network of over 22,800 advisors.

Nathan Heath is a financial advisor with J.P. Morgan Securities and holds a Series 66 credential. He has 18 years of industry experience, including 11 years at Merrill Lynch and over eight years with J.P. Morgan. Outside of his advisory work, he owns and operates In-Home Aromas, Inc, a small candle business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes ESG considerations and expanded derivatives capabilities.

Kevin Quinlevan is a CFP® professional at Charles Schwab with 13 years of industry experience. He previously worked at TD Ameritrade for nine years before joining Charles Schwab and Charles Schwab Bank, SSB. Charles Schwab serves a broad client base that includes 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 affiliated discretionary SMAs, offering multi-asset model portfolios and a formal due diligence process for alternative investments.

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.

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.

Sun Tung Van is a CFP® professional with nine years of industry experience, currently advising at Ameriprise since 2020. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance, JP Morgan Securities, and JP Morgan Chase Bank. He is also an Enrolled Agent since 2022, although he does not engage in tax preparation. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through a centralized team that collaborates with advisors to provide written recommendations and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Elizabeth Canales is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has a total of 12 years of experience working with Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, managing approximately $671 billion in assets with over 14,000 financial advisors nationwide.

Mercedes Guevara is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2023, her background includes time at California State University Northridge. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach emphasizes structured financial planning processes supported by firm-approved tools and broad investment offerings.

Ruthi Hymes is currently the Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. Prior to this position, she worked as a Financial Consultant at Fidelity Investments from 2021 to 2023. Earlier in her career, she was a Financial Advisor at Northwestern Mutual from 2018 to 2020. She holds a California Insurance License. In her role, Ruthi focuses on developing comprehensive financial plans tailored to individual client needs, emphasizing honesty, integrity, and transparency. She is committed to working closely with clients to achieve their financial goals through careful planning and implementation. Outside of her professional responsibilities, Ruthi enjoys skiing, theater, and traveling.

Christian Ridout is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial plans that align with their unique goals and priorities, helping them navigate complex investment and wealth management decisions. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, socially responsible and ESG investing, as well as serving clients in sports and entertainment sectors. Christian holds a Bachelor’s Degree from Villanova University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional role, he enjoys baseball, cooking, gardening, skiing, surfing, and spending time with his family.