Eric Epstein is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides services under various financial planning and investment arrangements.

Maxine Morgan is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2023. She leads a team of associates dedicated to understanding clients' needs and guiding them through the financial planning process. Prior to her current role, Maxine served as Assistant Branch Leader from 2021 to 2022, Senior Relationship Manager from 2014 to 2020, and Financial Representative from 2011 to 2014, all within Fidelity Investments. Maxine holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, participating in family activities, and traveling.

Taehoon Gang is a financial advisor at Cetera with 17 years of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Investors Services, MassMutual Life Insurance Co, and MetLife Securities Inc. Outside of advising, he serves as a board member for the Los Angeles chapter of the Asian Real Estate Association of America and is a silent partner in a restaurant. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients with a variety of investment strategies and program platforms.

Natalya Fikhman is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 license and bringing 23 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 providing advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and proprietary tools, emphasizing advisory services without individual security recommendations as part of standalone plans.

Peter Shu is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. His career in financial services spans over a decade, including roles as Investment Consultant and Senior Relationship Manager at Fidelity Investments, as well as Financial Advisor positions at Bank of the West and Merrill Lynch. Prior to these roles, he worked as a Personal Banker at Bank of America. Peter holds certifications as a Certified Financial Planner® and Chartered Financial Consultant®, and he has earned an MBA. He is licensed to sell insurance in California. Peter emphasizes understanding each client's unique financial situation and views financial planning as a core component of a balanced life.

Derek Mitsuuchi is a financial advisor at Cetera with four years of industry experience and holds the Series 66 designation. He previously worked at Avantax Investment Services and Avantax Advisory Services, and he also assists with wealth management tasks at Lazar and Company Certified Public Accountants. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers and various program structures.

Sharif Ahmed is a financial advisor with LPL Financial who holds the Series 63 and Series 66 designations and has nine years of industry experience. He has worked at various firms, including LOGIX Federal Credit Union and Kinecta Federal Credit Union. 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, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Fadwa Dahhan is a financial advisor with LPL Financial in Woodland Hills, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has been with LPL Financial since 1998. Outside of her advisory role, she has worked as a travel agent with America Travel Companies. 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 variety of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Ernest Osorio is a financial advisor at Merrill with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase Bank, and U.S. Bank. He also has experience in marketing and college-level education. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Andrew Kim is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley since 2022, following several years at E*TRADE and Fidelity. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Donna Niemann is a financial advisor with Charles Schwab in Encino, CA, holding a Series 63 designation and 29 years of industry experience. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. 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 using multi-asset model portfolios and centralized supervisory, custody, and order-routing arrangements.

Blazy Aldana is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of industry experience. Her work history includes roles at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., Wells Fargo, and Citi Bank. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment options, supported by centralized custody and comprehensive operational infrastructure.

Elizabeth Gettinger is a financial advisor with Morgan Stanley, holding a Series 66 designation and 16 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Mark Deakins is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Prior to joining Cetera, he worked eight years at LPL Financial. Outside of finance, he is also an actor, performing on stage, on camera, and with voice work. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to various program structures and third-party money managers.

Richard Emmons is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and modeling techniques.

Jonathan Israel is a financial advisor with Raymond James & Associates in Woodland Hills, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Raymond James in 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and advisory services with a range of portfolio management styles and affiliated research options.

Nicolas Blatsiotis is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. 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 employs a structured planning process utilizing firm-approved tools and market analysis.

John Andraos is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He has been with LPL Financial since 2015. Outside his advisory role, he serves as CEO and general agent of Southwestern Financial Network and Insurance Services, an insurance agency offering auto, workers compensation, business liability insurance, fixed annuities, and life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions and operates extensive advisory and non-advisory services through a large network of investment adviser representatives.

Carlos Cabrera is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He previously worked at Wells Fargo for 14 years before joining J.P. Morgan and JPMorgan Chase Bank, N.A. Outside of his advisory role, Cabrera owns businesses related to boxing news and apparel, catering, and shoe trading, and also works as an Uber driver. 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.

Edward Hawrylo is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Bank of America and Merrill for the past 15 years. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.