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.

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.

Robert Carrington III is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Wells Fargo Clearing Services and Bank of the West. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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.

Anterias Nerses Hindoyan is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and BLOM Bank. 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 plans, corporations, and charitable organizations.

Armen Terhakopian is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and with eight years of industry experience. His prior work includes roles at Ararat Terhacopian and California Credit Union. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Beatriz Ponton is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Wells Fargo entities since 2012, with a brief tenure at Ameriprise Financial Services, Inc. from 2019 to 2020. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Patricia Valenzuela is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Morgan Stanley Smith Barney for 10 years. Outside of her advisory role, she works part-time as a cake maker and decorator. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Sarkis Ardjian is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and having one year of industry experience. Prior to his current role, he has been involved with Primerica Financial Services since 2023 and owns Salifex Marketing, a non-investment related business. He also receives compensation for referrals of home security and automation products through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and oversees portfolio implementation with an emphasis on tiered wrap fees and independent manager due diligence.

Jennifer Curry is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has held positions at JPMorgan Chase Bank, N.A. since 2019 and at J.P. Morgan Securities from 2016 to 2019. She holds Series 63 and Series 66 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.

John Bauer is a CFP® professional with 41 years of industry experience, currently affiliated with LPL Financial since 2009. He also has a longstanding role at Mutual Service Corporation, spanning over two decades. Bauer spends a portion of his time involved in sales of non-variable insurance and has acted in a fiduciary capacity related to an irrevocable trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors and extensive operational capabilities.

Ryan Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at various firms including Avantax Advisory Services and operates Richardson Financial as an investment-related business. Additionally, he is a part owner of Richardson & Co CPAs, which provides tax and accounting preparation services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients from individuals to institutional accounts through a large network of independent advisors. The firm offers diverse portfolio management and financial planning services, with multiple program structures and access to both affiliated and third-party managers.

Irena Ngo is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked previously at CBRE and Team ABC, LLC. Ngo is also employed by Insperity PEO Services L.P., which provides employment compensation services for franchise advisors. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary retirement recommendations.

Samantha Anderson is a financial advisor at Edward Jones with 13 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors.

Stephen Wright is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He has worked with Morgan Stanley and its private bank since 2022 and previously spent nearly a decade at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory work, he is an officer at Zooganic Studios, a company involved in animation content creation and distribution. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market models as part of its financial planning process.

Jared Hemann is a CFP® with six years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. He has worked at Wells Fargo Clearing in two separate periods, totaling seven years, with additional experience at San Diego State University and the University of California, San Diego. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, and serves as an ERISA fiduciary when providing investment advice.

Debi Vasques is a financial advisor at Edward Jones with 36 years of industry experience. She has been with Edward Jones since 1995 and holds the Series 63 and Series 66 designations. 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 advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Vivian Chang is a financial advisor at Ameriprise with 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 1996 and holds Series 63 and Series 65 licenses. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities, utilizing algorithmic tools alongside dedicated oversight committees to generate personalized retirement recommendations.

Lilly Tung is a financial advisor with Cetera in Pasadena, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Her prior roles include five years with HSBC Securities USA and HSBC Bank USA National Association, along with multiple tenures at Cetera and East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across wealth levels, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and a multi-manager platform with diverse program options.

Thomas Morley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he occasionally works part-time for Lucasfilm, portraying Darth Vader in various media and promotional appearances. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and tools, with a focus on tailored, discrete planning engagements.

Barry Pinsky is a financial advisor with UBS Financial Services in Sherman Oaks, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including 18 years with UBS. He has authored an article for a professional CPA magazine. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.