David Mandel is a financial advisor with UBS Financial Services in Sherman Oaks, CA, holding Series 63 and Series 65 licenses and having 44 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

John Polwrek is a financial advisor with LPL Financial in Pasadena, CA, holding a Series 66 license and eight years of industry experience. Prior to joining LPL Financial in 2021, he worked at Waddell & Reed Inc. and operated his own business, John J Polwrek, Inc. 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 model portfolios and retirement plan consulting, and provides both discretionary and non-discretionary management across its offerings.

Arthur Burkhard is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers customized financial planning and a range of advisory programs supported by structured planning tools and broad investment solutions.

Todd Thomasy is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, Thomasy is involved in the sale of life, medical, dental, vision, and disability insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management along with research-supported model portfolios and alternative investment strategies.

Crystal Merino is a financial advisor at Primerica Advisors with 12 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Primerica Advisors since 2014. Outside of financial advising, she has been involved with City of Hope since 2017. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies and third-party discretionary management.

Kevin Power is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Michael Hernandez is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Prudential Insurance Company of America, Pruco Securities LLC, and Equitable Advisors. Hernandez serves on both the nonprofit and for-profit boards of the LGBTQ Attorneys and Allies Bar Association. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products.

Michael Burt is a CFP® with 13 years of industry experience, currently affiliated with Morgan Stanley in Sherman Oaks, CA. His prior experience includes roles at City National Bank, Bank of America, Merrill, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a wide array of advisory programs, managing approximately $2.74 trillion in client assets.

Daniel Valenzuela is a Senior Financial Advisor at Merrill Lynch Wealth Management, a position he has held since 2010. He advises high net worth clients and business owners on wealth accumulation, preservation, and transfer by developing individually customized wealth management strategies that align with each client's financial future, risk tolerance, time horizon, liquidity needs, and investment goals. Daniel has built a team that supports portfolio development, wealth and retirement planning, estate and education planning services, liability management, tax minimization, bank and lending options through Bank of America, N.A., and asset preservation. As a qualified Portfolio Advisor, he recommends investment strategies, funds, and portfolios from Merrill Lynch Wealth Management or approved third-party managers based on a thorough understanding of his clients' goals. He holds a Bachelor's Degree from the University of Southern California's Marshall School of Business and is accredited with several professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Born and raised in Southern California, Daniel currently resides in Monrovia, CA.

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.

Vincent Law is a financial advisor with Wells Fargo Advisors in Pasadena, CA, holding a Series 66 designation and 26 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing prior to joining Wells Fargo Advisors in 2025. He also owns and operates Vincent Law Financial Consultant Group, LLC, a separate financial consulting practice. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations for clients.

Hovig Ounjian is a financial advisor at Merrill with 7 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo in various roles. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Quentin Garcia is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Advisors since 2021 and has prior experience at Loyola Marymount University, Community Builders Group, Gonzaga University, and Loyola High School. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

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.

Katy Zhao is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank since 2017. Outside of her advisory work, she has participated in a one-day modeling project for a clothing retailer’s holiday campaign. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning approach supported by proprietary tools and investment research.

Frode Teigen is a Financial Advisor with the Ma Teigen Group at Merrill Lynch Wealth Management. He joined Merrill in 2021 and contributes to the team by overseeing operations to facilitate sustained client interaction. Frode applies his analytical skills and experience to design customized wealth management plans, gathering relevant data and modeling scenarios to clarify client priorities and identify action items. He also dedicates significant effort to investment analysis and research, evaluating competing investment options aligned with client needs and advising on parameters such as risk thresholds, time horizons, tax sensitivity, and liquidity. Before joining Merrill, Frode worked for decades in the information technology sector and was involved as a venture capital investor for tech start-ups. He holds a Master of Science degree (M.Sc.) from the Norwegian University of Science and Technology. Frode is a Personal Investment Advisor (PIA), Chartered Retirement Planning Counselor (CRPC™), and a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA™). He communicates in English, Norwegian, Swedish, and French. Frode is married with two children and enjoys exploring local trails around Pasadena, California, with his family and their dog, Kiki. His personal interests include chess, hiking, reading, skiing, soccer, swimming, and traveling.

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 a financial advisor with LPL Enterprise and holds Series 65 and Series 63 licenses. He has been with LPL Enterprise since 2026 and has prior experience with organizations including Homeboy Industries and various educational institutions. Outside of his advisory role, he has involvement with Beauty of Aztlan LLC. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products via its integrated platform.

Isaac Taylor is a financial advisor with Thrivent Investment Management in Arcadia, CA, holding the Series 66 designation and 13 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. Outside of his advisory work, Taylor serves as a board member for the Pasadena Fire Foundation and the Pasadena Fire Department EMS Reserve, both nonprofit organizations focused on community safety and emergency medical services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning covering a wide range of topics and allows clients to combine planning with managed-account programs under a consolidated billing option, maintaining planning and investment management as separate services.

Joanie Yau is a financial advisor at Merrill with 17 years at the firm and 7 years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she owns a family business called JY LoveCraft, creating and selling handmade crafts and personalized items online. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with various model-based and discretionary investment strategies.