Jared Carter is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. His prior experience includes roles at Equitable Advisors and Northwestern Mutual. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research and quantitative analysis to develop systematic, model-based portfolio strategies including multi-manager and fund-of-funds structures.

Michael Darley is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in property management as a sole proprietor of rental real estate in California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a wide range of investment and planning services.

Afshin Safavi is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers plans directly as well as through Corporate Financial Planning agreements.

Jason Griffin is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. He has worked at Royal Alliance Associates and Regal Advisory Services, Inc. since 2002. Outside of advisory roles, he owns and operates tax preparation services under both a sole proprietorship and an S-corporation. OSAIC serves a diverse range of retail and institutional clients through a wide network of affiliated advisers, offering integrated brokerage and advisory services along with access to various investment platforms and third-party managers. The firm employs asset-allocation tools and automated portfolio rebalancing to manage accounts that include stocks, bonds, mutual funds, ETFs, and alternative investments.

Kardia Pinckney is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2004. Pinckney also serves as President of Ideal Youth Inc., a nonprofit organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating model implementation to BNY Mellon Advisors.

Jaime Ocon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 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. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Tammy Hospodar is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and offering 33 years of industry experience. Her work history includes roles at Cetera Wealth Services, OSAIC, Park Wealth West, Park Wealth Advisors, FSC Securities Corp, and Unionbanc Investment Services. She is also the Chief Investment Officer of Park Wealth Advisors, where she discusses long-term care, life insurance, health insurance, and fixed annuities as part of financial planning. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple investment strategies and third-party managers.

Victor Luke is a Series 66-registered financial advisor with Cetera, bringing six years of industry experience. Prior to joining Cetera in 2025, he worked at Avantax Advisory Services and Avantax Investment Services from 2023 to 2025. In addition to his financial advisory role, he maintains a part-time legal practice focused on estate planning and small business advice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Jordan Justman is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding a Series 66 designation and having 21 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Grant Khechumyan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a range of client focus areas including college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, socially responsible, values based, and ESG investing, individual and corporate investment strategy, and retirement income. Grant holds a Bachelor's Degree from the University of Southern California and has earned the Professional Investment Advisor (PIA) designation. Outside of his professional role, he has interests in basketball, music, and reading.

Cory Bloom is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee’s analyses.

Angel Aguinaldo Jr. is a financial advisor at OSAIC with 44 years of industry experience. He holds the ChFC® designation and has previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. Aguinaldo has served as an insurance agent and is active in community service as a board director of the LA True-Blue Lions Club and a 4th Degree Knight of the Knights of Columbus. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple advisory platforms and third-party money managers.

Charlene Pemstein is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has 13 years of industry experience. She has been associated with Raymond James and Monument Associates since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm utilizes fact-finding, risk profiling, and analytical tools to offer tailored, non-discretionary planning and investment consulting.

David Paller is a financial advisor with Raymond James & Associates in Woodland Hills, CA, holding the Series 63 and Series 66 credentials and bringing 34 years of industry experience. Prior to joining Raymond James in 2020, he worked at UBS Financial Services Inc. for 12 years and Sentra Securities Corporation for 23 years. He serves as Treasurer and Director for the nonprofit Friends of Roots. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional advisory services.

Judith Chipps is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been advising clients since 1979. She leads The Chipps Group, a team dedicated to providing the extensive resources of a large wealth management firm combined with the personalized service of a boutique practice. Judith and her team primarily serve wealthy individuals and families, many referred by clients or external professionals, focusing on a holistic approach to wealth management, preservation, and transfer. With over four decades of experience, Judith specializes in helping clients navigate major financial decisions and life events while coordinating closely with their external advisors to align tax and estate planning with their personal and financial goals. Her expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, and tailored strategies for women and wealth. Judith holds a Bachelor's degree in Chemistry from Smith College and an MBA in Finance from UCLA. She is a CERTIFIED FINANCIAL PLANNER® certificant, Chartered Financial Consultant® (ChFC®), and Certified Plan Fiduciary Advisor® (CPFA®). She resides in Sherman Oaks, where she enjoys kickboxing. Judith is a mother of two, including her daughter Jessie, who works with her at Merrill.

Lydia Lee is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In this role, she partners with clients to develop tailored financial plans that align with their goals, values, and vision. Lydia focuses on building strong, lasting relationships based on trust, dedication, and competence to provide confident guidance throughout the financial planning process. Her experience at Fidelity Investments includes serving as a Relationship Manager from 2023 to 2025 and as a Financial Representative from 2022 to 2023. Lydia holds a California Insurance License, which supports her work in providing comprehensive financial advice. Outside of her professional responsibilities, Lydia enjoys activities such as comedy, attending concerts, cooking and baking, watching movies, and playing tennis.

Kenneth Ulrich is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Taylor Johnson is a financial advisor with Ameriprise in Calabasas, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise since 2018, following prior roles at Scottrade. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a Premier Retirement Income service that provides customized written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Thomas Roche is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience in providing individually tailored financial and wealth management strategies. Thomas is a CERTIFIED FINANCIAL PLANNER® certificant and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Thomas advises clients on wealth accumulation, preservation, and transfer through a defined process that includes portfolio development, liability management, tax minimization, and asset preservation. He works closely with clients' other trusted advisors such as attorneys and accountants to address tax, trust, philanthropic, and estate issues, including wealth transfer strategies. His client focus areas include Divorce Transition Planning, Family Wealth Management Strategies, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Tax Minimization, and Retirement Income. He holds a Bachelor's Degree from the University of Southern California and is a member of the USC Alumni Association. Outside of his professional work, Thomas volunteers with community organizations and enjoys golfing, hiking, pickleball, and skiing.

Ruben Cavada is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has worked at Merrill and Bank of America since 2018 and held prior roles at Wells Fargo Clearing and WELLS FARGO Advisors. 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, and institutional investors.