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.

Mark Guirguis is a financial advisor at Cetera with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services and his own business, Guirguis & Gibbs, where he serves as owner and vice president, handling bookkeeping, tax resolution, and investment clients. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with varied portfolio management options and access to third-party managers, overseeing more than $256 billion in assets through a network of over 10,000 advisors.

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.

Scott Goldstein is a financial advisor at Osaic with 15 years of industry experience. He holds the Series 66 designation and spent 14 years at Lincoln Financial Advisors before joining Osaic in 2025. Outside of his advisory role, he is also licensed as an insurance agent offering accident and health, disability, fixed and indexed annuities, long-term care, and traditional life insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct portfolios with diverse investments and customizable options.

Chadwick Kingi is a financial advisor with Edward Jones in Thousand Oaks, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. Prior to joining Edward Jones in 2021, he worked in various roles within the insurance industry, including with Taylor Formico Insurance and Farmers Insurance Group. Outside of his advisory work, he is involved in coaching volleyball, providing lessons and clinics alongside his wife, and serves as the head coach for the LAVA West Volleyball Club. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 advisors. The firm manages approximately $1.01 trillion in assets and provides discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

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.

Miccal Jackson is a financial advisor with Edward Jones in Simi Valley, CA, holding Series 65 and Series 63 licenses and having 12 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and MTJ Investment Advisors, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options through a large network of financial advisors and branch offices.

Dillon Case is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides clients with tailored portfolios designed to help meet their financial goals, offering clarity and confidence through various stages of life, including the accumulation, conservation, and distribution phases. Dillon is dedicated to delivering a client-focused approach supported by the expertise and resources of Merrill Lynch Wealth Management. His focus areas include family wealth management strategies, managing new wealth, small business strategies, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Dillon holds professional designations as a CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA), and he earned his bachelor's degree from Arizona State University. Born and raised in Ventura County, Dillon currently resides there with his wife, son, and dog. In his free time, he enjoys spending time outdoors with his family, engaging in activities from the mountains to the ocean.

Patrick Infante is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior firms include CUSO Financial Services, Pruco Securities, Prudential Insurance Company of America, Muriel Siebert Financial, and Wells Fargo Advisors. Outside of his advisory role, he participates in rideshare driving in San Francisco. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, third-party subadvisors, and research from LPL Research.

Lisa Monica is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 66 designation and 14 years of industry experience. She has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Kevin Quinlevan is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. His prior experience includes nine years at TD Ameritrade and several years with Charles Schwab and Charles Schwab Bank. Outside of his advisory work, he owns a rental property in Omaha, Nebraska. Charles Schwab serves a large client base primarily composed of 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 discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.