John Botrous is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Ameriprise. He previously worked at Edward Jones, Independent Financial Group, TD Ameritrade, and Scottrade. Botrous is also involved with EPIC Operations LLC as an associate financial advisor managing an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering tailored written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and technology-driven processes to offer non-discretionary retirement advice through a centralized consulting team.

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.

Deji Spencer Walters is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JP Morgan Chase Bank. He is also the owner of Reunites International Corporation, which has been involved in exporting essential goods to countries in Africa. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

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.

Michael Goldberg is a financial advisor with LPL Financial in Westlake Village, CA. He holds a Series 66 designation and has one year of industry experience. Prior to his advisory role, he spent ten years at The Vault Pro Scooters. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset managers, and customized strategies.

Kay Bowers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 20 years of industry experience. Her prior work includes nearly a decade at J.P. Morgan Securities and JPMorgan Chase Bank. She is based in West Hills, CA. 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 vehicles and bank deposit sweep options among its investment offerings.

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.

Daryl Kibota is a financial advisor with Morgan Stanley in El Segundo, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Mina Ghavamian is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 66 and Series 63 licenses and has worked previously at Citibank and Wells Fargo Bank. 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 applying an ESG eligibility framework in its recommendations.

Karl Orlowski is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions with Avantax Investment Services, Triad Advisors, and Summit Financial Consultants. Outside of Cetera, he is also a financial advisor with Concierge Wealth Management Services Inc., focusing on wealth management and financial planning. Cetera Investment Advisers LLC operates a nationwide network of independent advisors, serving a diverse client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various investment strategies and program structures.

Weber Wang is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Oppenheimer & Co., Inc., Wells Fargo Clearing, and Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in property management as the sole proprietor of a rental property business in Honolulu, Hawaii. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and advanced modeling tools but typically acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

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.

John Maquar is a financial advisor with J.P. Morgan Securities in Westlake Village, CA, holding a Series 66 designation and 26 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has prior experience with MKPF Investments LLC, JMJR Enterprises LLC, and related entities from 2012 to 2017. Maquar also has a concurrent role with JPMorgan Chase Bank, N.A. since 2009. 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 applying an ESG eligibility framework in its process.

Robin Liebes is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 31 years of industry experience. Prior to joining LPL in 2020, Robin worked at Morgan Stanley in various capacities from 1998 to 2020 and at Gold Coast Securities from 2003 to 2009. Outside of advisory work, Robin acts in a fiduciary capacity for the Estate of Clayton and Betty Bailey. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Richard Frank is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. His prior experience includes 14 years at Sagepoint Financial, Inc. He is also involved in community service through volunteer roles with the Boy Scouts of America and the American Youth Soccer Organization, where he holds board and committee positions. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services. The firm employs various asset-allocation tools and supports multiple advisory platforms, with portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

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.

Ena Gillin is an Investment Consultant at Fidelity Investments, a position she has held since 2025. In this role, she collaborates with clients to help them stay on track toward their personal financial goals by reviewing current strategies, understanding individual client needs, and identifying new approaches to improve overall financial plans. Prior to her current role, Ena held several positions at Fidelity Investments, including Planning Consultant from 2023 to 2025, Relationship Manager from 2022 to 2023, and Financial Representative from 2021 to 2022. She holds a California Insurance License. Outside of her professional work, Ena enjoys activities such as biking, fitness, gardening, hiking, puzzles, and yoga.

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.

Janet Burnett is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Wells Fargo Advisors since 2016 and is the sole owner of JB Financial Management, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services that address areas such as retirement, education, risk, and wealth-transfer planning. The firm utilizes proprietary research and planning tools to develop tailored recommendations, with clients having flexibility in how to implement them.

Jennifer Brown is a CFP®-credentialed financial advisor with 34 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Based in Newbury Park, CA, she holds Series 63 and Series 66 licenses. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based financial analyses and written recommendations across various planning areas without managing client portfolios directly.