Seth Haye is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Citigroup Global Markets for five years. Outside of his advisory role, he serves in an oversight capacity at Pepperdine University. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning strategies through its Financial Advisors.

Jason Artof is a CFP® professional with 21 years of industry experience, currently advising clients through LPL Financial since 2022. His prior roles include positions at Wells Fargo Advisors Financial Network, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory role, he acts in a fiduciary capacity for ARTIEA Capital Management 401K. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Craig Johnson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. His prior roles include positions at Western International Securities, J.P. Morgan Securities, Chase Investment Services, and Wamu Investments. He serves as a board member for the Tri-counties Regional Center, a nonprofit organization in Santa Barbara, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. It offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Joel Chitiea is a financial advisor with LPL Financial in Westlake Village, CA, holding Series 63 and Series 65 licenses and with 46 years of industry experience. His prior positions include roles at Wells Fargo Advisors Financial Network, Morgan Stanley, and Citigroup Global Markets. 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 advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advisor-facing research and operational tools.

James Shipe is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He previously worked at Edward Jones for six years and has experience in providing financial services through his own wealth management group. Outside of his advisory roles, Shipe serves as an elected board member of the Rotary Club of Westlake Village. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 advisors and serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Michele Steinberg is a financial advisor at LPL Financial with 22 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2004, with prior experience at Waddell & Reed from 2002 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Brett Goldberg is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Wells Fargo Advisors, UBS Financial Services, and Merrill. Outside of finance, he is involved in a wine storage business based in Boise, Idaho. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research tools and a broad array of services.

Jerome Belkin is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Charles Schwab Bank for 13 years. Outside of his advisory role, he serves as Vice President of the Fairfield Homeowners Association in Camarillo, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Bruce Horowitz is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. His prior firms include Commonwealth Financial Network and Osaic FA, Inc. He is also president and co-owner of Wealth Advocates, Inc., a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Cecilia Ramos is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She previously worked at JPMorgan Chase Bank and JP Morgan Securities LLC from 2013 to 2022 before joining Wells Fargo in 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with options for both non-discretionary and discretionary plan management, including insurance-related investment vehicles and bank deposit sweep options.

Natalie Soo Hoo is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and nine years of industry experience. Her career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Independent Financial Group, LLC. She also receives trail commissions on fixed annuities and life insurance policies. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research, third-party strategists, or TAMP sponsors, and offers financial planning, consulting, and access to third-party asset managers.

Richard Ryan is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct engagements and Corporate Financial Planning agreements.

Denise Winkelman is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and 17 years of industry experience. She has worked at various Fidelity divisions since 2008 and was previously employed at Postmates and Farmers Financial Solutions. Outside of finance, Denise is also active as a comedian, actor, and writer. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Horacio Lopez Jr. is a CFP® and Series 66 credentialed financial advisor with 10 years of industry experience. He is currently with Charles Schwab, having previously worked at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Christian Gomez is a financial advisor at J.P. Morgan Securities with Series 65 and Series 66 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and Jpmorgan Chase Bank in 2025, he worked at Genter Capital Management and Capital Research and Management Company. He also has teaching experience at the University of Southern California and California Lutheran University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates ESG criteria, supported by affiliates that handle implementation and portfolio services.

Michael Takvorian is a financial advisor at Merrill with 45 years of industry experience. He has been with Merrill since 1981 and has also worked at Bank of America since 2009. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as co-trustee of the Takvorian Family Trust. Merrill, along 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyu Kim is a financial advisor with LPL Financial, holding a Series 66 designation and over four years of industry experience. He has been affiliated with Envision Wealth Management since 2003 and has worked at LPL Financial since 2003 as well. In addition to his advisory role, he is involved as an investment representative at Envision Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

Armen Doyan is a financial advisor with Morgan Stanley in Westlake Village, CA, holding a Series 66 designation and possessing eight years of industry experience. He has been with Morgan Stanley since 2017, including work at Morgan Stanley Private Bank, N.A. before his current role. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering customized financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through various programs, including those for corporate clients.

Heghine Kirakosyan is a financial advisor with Ameriprise in Calabasas, CA, holding a Series 66 credential and 14 years of industry experience. She has been with Ameriprise and its affiliates since 2011. Outside of her advisory role, she owns HLSH Hospitality, Inc., a business providing boba teas and smoothies catering for events. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice, using a combination of internal research and third-party data.

Michael Price is a CFP® with over 22 years of industry experience and has been with Edward Jones since 2003. He operates out of Agoura Hills, CA. Outside of his advisory role, he is involved in managing commercial and residential rental properties. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients across various segments. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.