John Hagy is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2017 to 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Stephanie Krueger is a financial advisor at Morgan Stanley in Westlake Village, CA, holding a Series 66 designation with six years of industry experience. She has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and methodologies.

Hrag Kortoshian is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 designations. His career includes roles at Bank of America, HSBC Securities, and Wells Fargo. 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers for individuals, high-net-worth clients, and institutional accounts.

Brittney Louise Bell is a financial advisor at Merrill with 16 years at the firm and 7 years of industry experience. She holds the Series 66 designation and is based in Woodland Hills, CA. 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. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Zepyur Vardanyan is a financial advisor with J.P. Morgan Securities, holding a Series 66 license and seven years of industry experience. Prior to joining J.P. Morgan, he worked at Bank of America for three years. Outside of his advisory role, he operates a notary services business and provides in-home supportive services as a caregiver. J.P. Morgan Securities LLC delivers 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. The firm offers non-discretionary advice through a select group of Wealth Advisors.

Timothy Brown is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2006. Outside of his advisory role, he serves as treasurer and board member of the Carmel Music Society, which presents classical music performances on the Monterey Peninsula. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Fariba Hekmat is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. She holds a Series 66 credential and has been with Wells Fargo Advisors since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based 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 sports & entertainment planning.

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.

Jonathan Melara is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and four years of industry experience. His career includes positions at J.P. Morgan Securities, JPMorgan Chase Bank, Wells Fargo, Bank of America, Fidelity Investments, and a one-year tenure at the Ventura County Sheriff's department. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary approach. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

David Ray is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning. The firm employs a structured planning process using firm-approved tools and does not offer individual security recommendations within its standalone planning services.

Garrett Tognozzi is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and possessing 14 years of industry experience. He has worked at JP Morgan Chase Bank and J.P. Morgan Securities since 2019 and previously held positions at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Shawn Manoukian is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining Wells Fargo in 2025, he worked at Fidelity Brokerage Services and The Vanguard Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research and analytics.

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.

Garry Pace is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at First Republic Investment Management, Bank of America, and Merrill. He also holds a California law license but is currently non-practicing. Wells Fargo Clearing provides retirement plan consulting services to ERISA-qualified and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

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.

Haig Boghossian is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and Wells Fargo Advisors LLC, as well as a brief period at Fidelity Investments. Outside of advising, he is involved in managing a senior living business in Panorama City, CA. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

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.

Andrea Roschke is a financial advisor with Ameriprise in Agoura Hills, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Ameriprise since 2011 and was previously a partner at SingerLewak LLP, a large CPA firm, where she was involved in tax preparation. Roschke also serves as a trustee in fiduciary activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering personalized recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to support its clients’ retirement planning needs.

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.

Elaheh Rivandi is a financial advisor with Merrill holding a Series 66 designation and is based in Santa Clarita, CA. She has one year of industry experience and previously worked at Bank of America, N.A. She has a background that includes roles at Hamgam Production Group and Azad University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by strategic asset allocation and tax-aware options.