Joseph Gitto is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. His prior experience includes roles at Transamerica Financial Advisors, Woodbury Financial Services, and operating his own consulting firm, JCG Consulting Corp. Additionally, he teaches adult financial literacy classes at the Burbank Adult School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate entities, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a large network of advisors and branches nationwide.

Joshua Radford is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Jonathan Rowsey is a CFP®-certified financial advisor with Ameriprise, based in Calabasas, CA, and has 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Community Association of Saratoga Hills and co-owns two businesses, including a legal entity that supports his financial practice operations. Ameriprise offers specialized retirement-income planning services for clients typically holding at least $1 million in investable assets, combining research, modeling, and tax-efficiency strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Shayan Savoji is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2008. Outside of his advisory role, he is involved in entrepreneurial ventures including ownership of a specialty exotic car business and co-ownership of a pharmacy company. 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 advisory services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Robert Oberlander is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank SSB since 2006 and 2012, respectively. Based in Woodland Hills, CA, he serves clients through Schwab’s extensive advisory platform. Charles Schwab & Co., Inc. primarily serves 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 affiliated discretionary separately managed accounts, utilizing multi-asset portfolios, periodic reviews, and due diligence on alternative investments.

Manuel Dermanuelian is a Series 66-credentialed financial advisor with 18 years of industry experience, currently with Morgan Stanley. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his financial career, he is also an airline pilot and flight instructor. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both individual and employer-sponsored financial planning services.

Wesley Dunn is a financial advisor with Raymond James Financial Services Advisors, Inc. in Encino, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He is also an author of five books, including financial education and children’s books, and his financial education book has been adapted into a video series with residual royalties. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients, offering tailored non-discretionary planning supported by advanced analytical tools and specialized consulting programs.

Pablo Lozano is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2020. His prior experience includes roles at Snap-On Tools and Uber. Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment due diligence process.

Raffi Karageuzian is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he provides customized investment advice and financial services to high and ultra-high net worth clients. He focuses on developing tailored solutions that address clients’ risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. His services include investment management, retirement and estate planning, lending strategies, and life insurance within a comprehensive wealth management framework. Raffi began his financial services career with UBS in 2007, and he joined Merrill Lynch in downtown Los Angeles in 2009 before relocating to the Glendale office in 2011. Prior to this, he served as a Senior Economist with the United Nations Development Program in Lebanon from 1999 to 2005, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. During that time, he also lectured in Financial and Cost Accounting at Haigazian University. Raffi holds a Master's degree in Money and Banking from the American University of Beirut and a Bachelor's degree in Business Administration from Haigazian University. He holds the designations of Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional responsibilities, Raffi is actively involved in community organizations including Haigazian University Alumni USA, the Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. He speaks Arabic, Armenian, and English. Outside of work, he enjoys basketball, photography, traveling, and spending time with his family.

Gurgen Vardanyan is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. He has worked at Cetera since 2025 and previously held roles at Avantax Advisory Services and AXA Advisors. In addition to his advisory work, he serves as a Wealth Management Associate at David A Lazar an Accountancy Corporation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Neil Scheinbart is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Richard Humphries III is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he offers guidance on a range of financial matters including college education planning, family wealth management strategies, retirement income, and tax minimization. He also specializes in services tailored to corporate executives, women and wealth, sports and entertainment clients, and managing new wealth. He began his career in wealth management in 1998 when he joined Merrill Lynch. Richard is a qualified portfolio manager, enabling him to create and manage personalized investment strategies that may include individual stocks and bonds, firm model portfolios, and third-party strategies. He holds multiple professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE) certification. Richard earned a bachelor's degree in economics from the University of California at Los Angeles. He is involved in several organizations including Bruin Professionals, Athletes Touch, North Ranch Country Club, and Oaks Christian School. In his personal time, he enjoys activities such as basketball, football, golfing, traveling, and yoga.

Raymond Mathieu is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2017. Prior to this, he spent nine years with National Planning Corporation and has been associated with Gilson Financial Group for over two decades. Mathieu also teaches accounting at LA Valley Community College and engages in tax preparation through Gilson Financial Group. 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 and financial planning services supported by research, model portfolios, and technology-driven solutions.

Edward Charton is a financial advisor with Ameriprise in Simi Valley, CA, holding 42 years of industry experience. His prior roles include positions at LPL Financial, Partners Securities, Inc., and Financial Network Investment Corporation. Outside of advisory work, he manages personal boating activities through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Downing is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include long tenures at Fiduciary Trust and various Avantax entities. He owns and operates a tax and accounting services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Nicole Megowan is a financial advisor at Morgan Stanley in Valencia, CA, with six years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at firms including J.P. Morgan Chase Bank, First Republic Investment Management, and Wedbush Securities. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Brian Fine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

John Richards is a financial advisor with LPL Financial in Valley Village, CA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with LPL Financial (formerly Linsco/Private Ledger Corp.) since 1987. Outside of finance, he is involved in acting and produces independent videos for his YouTube channel, jarichards99utube. 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 various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research supported by multiple sources, including LPL Research and third-party subadvisors.

Milton Greenberg is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has held roles at Aflac since 2019 and previously worked at D.A. Davidson & Co. from 2013 to 2016. Greenberg also serves as an officer and treasurer at Jigsaw Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary investment consulting using analytical tools such as risk profiling and probability modeling and supports municipal and public finance through a unique affiliation with a municipal advisor.

Brad Gore is a financial advisor at Edward Jones with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Edward Jones since 2017. Prior to that, he was with American General Life Insurance and AIG Capital Services, Inc. from 2015 to 2016. He also receives insurance residuals from John Hancock and OneAmerica Financial Partners. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and operates a nationwide network of more than 23,700 advisors offering a range of advisory strategies under a fiduciary standard.