Kristopher Kasarjian is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to develop strategies for managing and preserving their wealth in alignment with their financial goals. Kris serves clients across multiple generations and has a particular focus on understanding the needs and strategies relevant to younger clients. He collaborates with colleagues to integrate his insights and applies meticulous attention to detail to address the comprehensive financial needs of his clients. Prior to joining Merrill Lynch in 2018, Kris was a wealth advisor at Raymond James & Associates and a regional consultant for MFS Investment Management. He holds multiple professional designations, including Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kris earned his bachelor’s degree from the University of California, Los Angeles (UCLA), where he was a scholarship athlete on the baseball team and was later drafted by the Seattle Mariners in Major League Baseball. Kris is originally from Westlake Village, California. He is a member of the UCLA Alumni Baseball Association and the Professional Baseball Players Association. Outside of his professional career, he enjoys golfing and volunteers as a baseball instructor at the Reggie Smith Youth Baseball Academy in Encino.

Jeffrey Goodrich is a CFP® and ChFC® with 42 years of industry experience, currently advising clients at LPL Financial since 2018. He previously worked at Bank of the West and BancWest Investment Services. Goodrich has teaching experience at UCLA and is also an author. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a wide range of advisory programs and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Julia Foerster is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. Before joining Edward Jones in 2022, she worked at Northwestern Mutual Investment Services LLC and Tektronix. 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 large nationwide network of financial advisors and branch offices.

Gloria Suard is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 credential and has previously worked at Morgan Stanley and OSAIC. Outside of her advisory role, she is involved with TA Law Group in a legal capacity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and offers advisory services for registered investment companies and charitable funds.

Troy Fletcher is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, he completed roles at the California Mid-State Fair and Thoughtful Media Group, and he attended California Polytechnic State University, San Luis Obispo. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Cerniga is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that help clients pursue their financial goals, including family wealth management, managing new wealth, personal retirement planning, portfolio management, and serving clients in sports and entertainment as well as women and wealth sectors. Michael holds an Associate's Degree from Moorpark College and is a Personal Investment Advisor (PIA). His approach centers on understanding each client's full financial picture to create flexible strategies aligned with their priorities and changing market conditions. He emphasizes trust and aims to be a reliable advisor dedicated to his clients' and their families' best interests. Outside of his professional role, Michael enjoys football, golfing, hiking, photography, pickleball, spending time with his family, and traveling.

Tyler Farrell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Prior to joining Wells Fargo in 2025, he worked at JP Morgan Securities LLC and JPMorgan Chase Bank NA for over a decade. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Ian Treacher is a Series 66 licensed financial advisor with 16 years of industry experience. He is currently with Wells Fargo Advisors and has held previous roles at Wells Fargo Clearing and Morgan Stanley, including Morgan Stanley Private Bank. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including cash-flow, retirement, and niche services such as business-owner transition and special-needs planning.

Owen Galipeau is a financial advisor with LPL Financial in Simi Valley, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, NA. He is associated with investment products and services offered through LPL Financial at Ventura County Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research and model portfolios from internal and third-party sources.

Nelly Garcia is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since joining the firm in 2017. She began her financial services career in 2004 and has experience assisting clients with significant life transitions such as retirement, inheritance, and business sales. Throughout her career, she has worked at JPMorgan Chase for eleven years, including five years at Chase Private Client, and at a boutique investment firm for two years. Nelly's approach to financial advising emphasizes understanding clients' values, visions, and what they find meaningful for themselves and their families. She collaborates with clients to build personalized plans aligned with their goals and aspirations, focusing on areas such as college education planning, family wealth management, retirement income, and socially responsible investing. She holds a Bachelor's degree in Business from the University of Redlands and the Personal Investment Advisor (PIA) designation. In addition to her professional work, Nelly is Co-director of Programming for Merrill's Greater Los Angeles Chapter of LEAD for Women, promoting education and professional development for women. She also volunteers with her high school's alumni association to support scholarships and student activities. Nelly and her husband, Lionell, enjoy spending time with their baby boy, two rescue dogs, and exploring the outdoors.

Edward Drake is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo in various capacities since 2003, including his current role at Wells Fargo Clearing since 2016. Outside of his advisory work, he serves as secretary for the Big Sky Home Owners Association and treasurer for the Ruth & Joseph C Reed Foundation for the Arts, which provides art education. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Darya Allen Attar is a Series 66-licensed financial advisor with Morgan Stanley, based in Santa Monica, CA, and has 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of her advisory work, Attar is involved in several community and entrepreneurial activities, including serving on the boards of the United Way Women Leaders and West Side YMCA, and leading initiatives such as Chick Launcher, a network and competition supporting women entrepreneurs. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment programs and financial planning strategies.

Parinaz Toohidlou is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank N.A. since 2023. Outside of her advisory role, she has experience as a caregiver with IHSS, providing assisted living support. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services.

Ryan Myers serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 2005, progressing through positions including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, Ryan worked at JP Morgan Chase as a Relationship Manager and Financial Advisor, and began his financial services career as a Personal Banker at Bank of America. Ryan holds a California Insurance License. He focuses on building trust with clients through personalized financial planning approaches aimed at aligning with their individual objectives.

Alexandar Ruzich is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Primerica Financial Services and Primerica Advisors since the late 1980s and early 1990s. Outside of advisory services, he is involved in business activities related to the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and select discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Lauren Mobley is a financial advisor with Morgan Stanley in Santa Monica, California, holding a Series 66 designation and 18 years of industry experience. She previously worked for RBC Capital Markets for 15 years before joining Morgan Stanley Smith Barney LLC in 2023. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Nick Pantuso is a financial advisor with OSAIC in Thousand Oaks, CA, holding Series 63, 65, and 66 credentials and eight years of industry experience. He previously worked at Woodbury Financial Services Inc. for six years and Wholesale Capital Corporation for 16 years. Outside of his advisory role, Pantuso is a licensed real estate broker and loan officer, arranging financing for real estate transactions. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios managed on discretionary or non-discretionary bases.

Robert Schott Jr is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Charles Schwab and its affiliated bank since 2014 and 2015, respectively. 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 advisory recommendations alongside access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Diana Fusco is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and 21 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Ethel Lopez is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with Wells Fargo Clearing and previously worked at First Republic Investment Management and Merrill. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.