Dennis De Young is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Cetera since 2026. His prior roles include positions at LPL Financial, Western International Securities, and Financial West Group. He is also involved as a board member of the Robert P. Amman Memorial Campership Fund. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to a multi-manager platform with a range of discretionary and non-discretionary programs.

Darren Kremicki is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Axa Advisors and UBS Financial Services. Kremicki’s background also includes time at California State University, Northridge, and Notre Dame High School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide 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 as part of its advisory approach.

Lucia Herrera Bernabe is a financial advisor with Wells Fargo Advisors in Encino, CA. She holds Series 65 and Series 63 licenses and has experience in the industry dating back to 2013, including roles at AIG and One Capital Management. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold, using proprietary research and planning tools.

Alex Matsumura is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held positions at Premier America Credit Union and LPL Financial Corporation. Matsumura holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gina Lapiner is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2025. She previously worked at Edward Jones for 17 years. Lapiner is also the owner of Calabasas Wealth Management Inc., through which she manages her Ameriprise business. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with clients’ advisors.

Zachary Fallas is a financial advisor at OSAIC with Series 65 and Series 63 credentials and three years of industry experience. He previously worked at Morgan Stanley for four years and has held roles at NWF Advisory Group and Chapman University. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm uses various asset-allocation tools and third-party services to construct portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Michael Bain is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 66 licenses with 24 years of industry experience. He has been with LPL Financial since 2010 and is also a partner and actuary at CMC Retirement, a third-party pension administration firm where he has worked since 1997. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of financial planning and advisory programs supported by in-house and third-party research, with both discretionary and non-discretionary management options.

Mark Furrer is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm employs structured planning processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Ahmad Mehaidly is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2022, progressing through roles including Financial Consultant and Investment Consultant. Prior to joining Fidelity, Ahmad held positions such as Assistant Vice President - Wealth Relationship Manager at Citi Bank from 2021 to 2022, and First Vice President - Private Client Banker at JP Morgan Chase from 2014 to 2021. Ahmad specializes in assisting clients with retirement strategies, tax-efficient investing, and comprehensive estate planning considerations. He holds a California Insurance License. Outside of his professional career, Ahmad enjoys biking, hiking, outdoor adventures, running, soccer, and yoga.

Fred McNeely is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and more than 44 years of industry experience. He has been with Raymond James since 2009 and previously operated MCNEELY FINANCIAL STRATEGIES, LLC dba LIFESTONE WEALTH MGMT. from 2009 to 2019. McNeely also manages a support company, Legend Wealth Management, based in Northridge, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and maintains specialized services in municipal finance and SIMPLE IRA employer advisory programs.

Cesar Cap is a financial advisor with Fidelity Investments, holding a Series 66 designation and 20 years of industry experience. He has been associated with Fidelity in various capacities since 2007, including his current roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios constructed from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Kenneth Quon is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2019, he worked at Zagg InvisibleShield and had roles at Howroyd Wright Employment Agency Inc Apple One. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Todd Melillo is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. His prior roles include positions at Western International Securities, Inc. and Ladenburg Thalmann Asset Management Inc. Melillo is also involved in family business entities for tax and investment purposes outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement consulting, supported by in-house and third-party research and advanced portfolio management technologies.

Mark Mannarelli is a CFP® professional with 27 years of industry experience, currently working at LPL Financial since 2018. Prior to joining LPL, he spent five years at Cetera Advisor Networks LLC. He also operates a tax preparation and accounting service under Mannarelli Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers diversified financial planning and advisory services through a national network of investment adviser representatives, providing both discretionary and non-discretionary management with access to model portfolios, research, and various investment strategies.

Max Levy is a financial advisor at Thrivent Investment Management with two years of industry experience. He has previously worked with NYLIFE Securities LLC and New York Life Insurance Company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various financial topics without discretionary trading authority. The firm combines planning with managed-account options under a consolidated billing structure while maintaining separation between the two services.

Spencer Williams is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients identify their priorities and develop strategies to achieve their financial objectives. Spencer's approach centers on uncovering what matters most to clients and their families to inform tailored financial planning. He holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Spencer earned his Bachelor's Degree from Harvard University.

Susan Kakiki is a financial advisor with Edward Jones in Santa Clarita, CA, holding a Series 66 designation and with three years of industry experience. She has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and tax-efficient services.

Jonelle Gonsalves is a financial advisor with Primerica Advisors based in Santa Clarita, CA, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. Her background includes roles at Sulphur Springs School District, ELEVO, Soccer Shots, and Pfs Investments Inc. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program using model strategies from external asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Melinda Beard is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She provides personalized guidance and strategies to help clients work toward reaching their financial goals with confidence. Prior to her current position, Melinda has held various roles at Fidelity Investments, including Investment Consultant from 2023 to 2025, Relationship Manager from 2022 to 2023, and Financial Representative in 2022. She also worked as a Relationship Manager at JP Morgan & Chase Bank from 2021 to 2022. Melinda holds a California Insurance License, supporting her expertise in financial and insurance services. Outside of her professional career, she enjoys spending time at the beach, exploring culinary experiences as a foodie, caring for her pets, practicing Pilates, and reading.

Richard Stevens is a financial advisor with Wells Fargo Clearing in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.