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.

Seth Haye is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets since 2004. Outside of his advisory role, he serves in an oversight capacity at Pepperdine University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Jason Artof is a CFP® with 21 years of experience in the financial services industry. He has worked at LPL Financial since 2022 and previously spent 11 years with Wells Fargo Advisors Financial Network LLC. Artof also acts in a fiduciary capacity for a 401(k) business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a large network of investment adviser representatives.

Craig Johnson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 45 years of industry experience. He previously worked for Western International Securities, Inc. for 10 years before joining LPL Financial in 2025. He serves as a board member for the Tri-counties Regional Center, a nonprofit organization based in Santa Barbara, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Joel Chitiea is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 46 years of industry experience. He previously worked with Wells Fargo Advisors Financial Network LLC for 15 years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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 emergency medical services prior to his financial career. Outside of his advisory role, he serves as an elected board member of the Rotary Club of Westlake Village. Cetera Investment Advisers LLC provides advisory services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting both discretionary and non-discretionary account structures.

Michele Steinberg is a financial advisor with LPL Financial, holding a Series 66 designation and with 22 years of industry experience. She has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Brett Goldberg is a financial advisor with LPL Financial in Westlake Village, CA. He holds the Series 66 designation and has 25 years of industry experience, including nine years at Wells Fargo Advisors prior to joining LPL Financial in 2025. Outside of his advisory role, he is the owner of BG Concepts, LLC, which operates a wine storage business in Boise, ID. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management with access to model portfolios and third-party research.

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. Prior to joining LPL Financial in 2024, he spent 21 years with Commonwealth Financial Network. He is also president and co-owner of Wealth Advocates, Inc., a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, with access to model portfolios, third-party research, and various investment strategies.

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.

Alicia Stuart Chambers is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on understanding clients' individual needs to develop strategies that support their short-term, mid-term, and long-term financial goals. Alicia offers guidance on a range of financial topics, including investing, retirement planning, and preparing for unexpected events. She also facilitates access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Alicia holds a Bachelor's degree from Vanguard University of Southern California and a Master's degree from the University of Arizona. She is a Personal Investment Advisor (PIA) and utilizes her expertise to provide ongoing advice and guidance tailored to each client's evolving needs. Beyond her professional commitments, Alicia is involved with the Los Angeles Dodgers Foundation.

Natalie Soo Hoo is a financial advisor at LPL Enterprise with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Independent Financial Group, LLC. Outside of her advisory role, she receives trail commissions on fixed annuity and life insurance policies. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products.

Richard Ryan is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 45 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.