Andrea Abeger is a financial advisor with Merrill in Encino, CA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has worked at Merrill since 1992 and has been associated with Bank of America, N.A. since 2009. Outside of her advisory role, she is a general partner in a family limited partnership and serves as trustee or fiduciary for multiple family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 and profit-sharing plans, corporations, and charitable organizations.

Jason Krischer is a financial advisor at UBS Financial Services Inc. with 20 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Adrian Guzman is a financial advisor with Wells Fargo Clearing in Valencia, CA, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at JP Morgan Securities LLC and JP Morgan Chase Bank from 2008 through 2022. Outside of his advisory role, he is involved in creating and performing music. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marcelino De Los Santos is a financial advisor with J.P. Morgan Securities in Thousand Oaks, CA, holding Series 66 and Series 63 credentials and 13 years of industry experience. Prior to his current role, he worked at Herbalife Inc for five years. J.P. Morgan Securities 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 modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ho Sung Byun is a Wealth Management Advisor with Merrill Lynch Wealth Management in Westlake Village, CA. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and serves a diverse client base that includes business owners, entrepreneurs, financially independent individuals and families, as well as corporate executives and professionals, particularly in the healthcare field. Ho Sung applies a disciplined and multi-pronged approach to wealth management to understand his clients' situations, help define both short-term and long-term goals, design dynamic financial roadmaps, and monitor ongoing progress. Before joining Merrill Lynch, Ho Sung was with Goldsmith Wealth Advisors, an office of MetLife, where he focused on client acquisition, financial and estate planning strategies, investment and retirement planning, college funding, protection planning, and special needs planning. His previous professional experiences encompass asset management operations, medical devices, information technology, and healthcare services. He earned a Bachelor's degree from McGill University and an MBA from Boston College. Ho Sung is active in his community and serves as a board member of the California Council on Economic Education (CCEE) and the Korean American Family Services (KFAM). He has supported underprivileged children for over 20 years through Children International. He currently resides in Agoura Hills, CA, with his blended family and their four dogs.

Kendyl Roundtree is a CFP®-designated financial advisor with nine years of industry experience. She is currently with Equitable Advisors and previously worked for Lincoln Financial Advisors and Lincoln Financial. Additionally, she has experience as an independent agent outside fixed insurance. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through multiple program sponsors and third-party managers, offering both discretionary and non-discretionary advisory solutions.

Brandon Fleming is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he worked at MyCorporation and Kash Chandani & Company. Outside of finance, he has experience in acting. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

David Hughes is a financial advisor with LPL Financial in Thousand Oaks, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His prior roles include positions at NBC Securities Inc, SagePoint Financial, The Ameriflex Group, and OSAIC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and institutional services.

Kevin Fusco is a financial advisor at Morgan Stanley with a Series 66 credential and five years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018, following earlier roles at TransPerfect. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Cyrus Towliat is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2016. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Debbini is a financial advisor with Cetera, holding a Series 66 designation and bringing 24 years of industry experience. He has previously worked at Avantax Advisory Services and operates his own tax preparation and accounting practice as a CPA. In addition to his advisory work, he serves as a fiduciary trustee and provides insurance sales through his independent agency. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary accounts.

Kirk Lombard is a Certified Financial Planner® with 19 years of industry experience. He has been with LPL Financial since 2011. Lombard is also involved in life, disability, long-term care, and health insurance activities alongside 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. The firm offers a range of financial planning and advisory programs with discretionary and non-discretionary management supported by research and model portfolios.

Steven Bailin is a financial advisor with LPL Financial in Westlake Village, CA, holding a Series 63 designation and bringing 39 years of industry experience. His prior career includes roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank between 2009 and 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Narayan Pallavur is a Series 66 licensed financial advisor with 12 years of industry experience. He is currently with UBS Financial Services, where he has worked since 2023, following a decade at Bank of America and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Mercedes Guevara is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 66 designation. Prior to joining Morgan Stanley in 2023, she spent time at California State University Northridge. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Chase Walian is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Third Bridge US Inc. from 2022 to 2023. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager and fund searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michaela Rauscher is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 66 designation and previously worked for Western International Securities, Inc. for 13 years. In addition to her advisory role, she operates Michaela Rauscher Insurance Services as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Ruthi Hymes is currently the Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. Prior to this position, she worked as a Financial Consultant at Fidelity Investments from 2021 to 2023. Earlier in her career, she was a Financial Advisor at Northwestern Mutual from 2018 to 2020. She holds a California Insurance License. In her role, Ruthi focuses on developing comprehensive financial plans tailored to individual client needs, emphasizing honesty, integrity, and transparency. She is committed to working closely with clients to achieve their financial goals through careful planning and implementation. Outside of her professional responsibilities, Ruthi enjoys skiing, theater, and traveling.

Christian Ridout is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial plans that align with their unique goals and priorities, helping them navigate complex investment and wealth management decisions. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, socially responsible and ESG investing, as well as serving clients in sports and entertainment sectors. Christian holds a Bachelor’s Degree from Villanova University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional role, he enjoys baseball, cooking, gardening, skiing, surfing, and spending time with his family.

Russell Suede is a CFP® and PFS™ with 37 years of experience in the financial services industry. He has been associated with LPL Financial since 2002 and has also worked at The SRA Group since 2009. Outside of advisory work, he is involved in tax preparation and accounting services through the KAS Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning services, and access to model portfolios and research to support diversified investment strategies.