Gina Lapiner is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2025. She previously worked at Edward Jones for 17 years. Lapiner is also the owner of Calabasas Wealth Management Inc., through which she manages her Ameriprise business. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with clients’ advisors.

Sait Saraci is Vice President Private Wealth Management Advisor at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Management Consultant at Fidelity Investments from 2023 to 2024. His previous experience includes managing member at Bellwether Investment Advisors (2020-2023), investment consultant at Fisher Investments (2019-2020), and wealth advisor at Morgan Stanley (2012-2018). Sait holds a California Insurance License. His approach to wealth management emphasizes building long-term relationships based on trust, accountability, and transparency. He focuses on understanding clients' priorities, the role of wealth in their families, and any existing financial planning to provide tailored advice. His team leverages the resources of Fidelity to assist clients with complex financial decisions. Outside of his professional work, Sait enjoys golf, outdoor adventures, reading, tennis, and traveling.

Roy Schilder is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Fidelity Investments, TD Ameritrade, and various Charles Schwab entities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed accounts and financial planning services. The firm offers both non-discretionary guidance and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Gilbert Tong is a Senior Vice President and Senior Resident Director who leads the Merrill office in Santa Monica. With over 30 years of experience, he specializes in advising ultra high net worth individuals, multigenerational families, senior corporate executives, entrepreneurs, financial professionals, and institutional clients with complex financial needs. His practice focuses on delivering customized, objective-driven wealth strategies aimed at preserving, growing, and transitioning capital across market cycles and generations. Holding a Certified Private Wealth Advisor® (CPWA®) designation, Gilbert provides counsel in liquidity and exit planning, business valuation and monetization strategies, estate and legacy planning, asset protection, charitable foundation structures, and tax-efficient wealth transfer. Additionally, he serves as a Retirement Benefits Consultant to institutional plan sponsors, offering fiduciary guidance for corporate and nonprofit retirement plans including 401(k), 403(b), defined benefit, and cash balance plans. His institutional expertise includes plan design, investment oversight, governance, and executive benefits. Gilbert is a graduate of the University of California, Los Angeles. He resides in Southern California with his wife and three children. Outside of his professional work, he is an accomplished endurance athlete participating in long-distance triathlons and serves as the Malibu Triathlon Team Captain. He is also involved with the Los Angeles Chamber Orchestra.

Fred McNeely is a financial advisor with Raymond James Financial in Northridge, CA, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services, Inc. since 2009. He also owned and operated MCNEELY FINANCIAL STRATEGIES, LLC dba LIFESTONE WEALTH MGMT. from 2009 to 2019. Outside of his advisory work, McNeely owns and manages a support company, Fred B McNeely dba Legend Wealth Management. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and public entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and uses various implementation strategies, with a significant portion of its advisory business conducted on a non-discretionary basis.

John Byers is a financial advisor with Wells Fargo Clearing in Santa Monica, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Wells Fargo Bank, as well as experience in real estate and self-employment. Outside of advising, he owns a shoe dressing business based in Los Angeles. 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 advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary while offering a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Todd Melillo is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. His prior roles include positions at Western International Securities, Inc. and Ladenburg Thalmann Asset Management Inc. Melillo is also involved in family business entities for tax and investment purposes outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement consulting, supported by in-house and third-party research and advanced portfolio management technologies.

Dennis Magaldi is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 22 years of industry experience. His prior firms include Western International Securities and Financial West Group. Outside of advising, he serves as treasurer on the board of E*Central Credit Union and is president and treasurer of the Ridgecrest Thousand Oaks HOA board. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced portfolio management technologies.

Darwin Perez De Pablo is a financial advisor with Fidelity and holds the Series 66 designation. He has less than one year of industry experience and prior work includes roles at Wilson Sporting Goods, the UC Berkeley Athletics Department, and EY. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and uses algorithmic portfolio construction across a broad investable universe.

Spencer Williams is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients identify their priorities and develop strategies to achieve their financial objectives. Spencer's approach centers on uncovering what matters most to clients and their families to inform tailored financial planning. He holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Spencer earned his Bachelor's Degree from Harvard University.

Valerie D'addona is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 47 years of industry experience. She has been with Raymond James since 2011. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports institutional consulting and public finance activities.

Richard Stevens is a financial advisor with Wells Fargo Clearing in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Robert Carrington III is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Wells Fargo Clearing Services and Bank of the West. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Anterias Nerses Hindoyan is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked at Bank of America and BLOM Bank. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, and institutional investors.

Edgar Perez is a financial advisor at Merrill in Santa Monica, CA, holding a Series 66 designation with five years of industry experience. His career includes roles at Bank of America N.A., Wells Fargo Clearing, and Wells Fargo Bank, N.A. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, and institutional investors with a range of model-based and discretionary investment strategies. The firm leverages its integration within Bank of America to provide access to a broad set of financial products and services.

Michelle Kamrany is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with J.P. Morgan Securities since 2017 and worked at JPMorgan Chase Bank, N.A. from 2015 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Barry Laufman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked with Cetera since 2013 and operates an independent insurance agency focusing on fixed insurance products, including disability, life, accident, health, and long-term care. He also serves as a power of attorney for a family member. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures to accommodate diverse client needs.

Dana Goldfarb is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James since 2010. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a focus on public finance and municipal work.

Alex Mathis is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked for Western International Securities, Inc. for 14 years before joining LPL Financial in 2025. Outside of his advisory role, Mathis serves as president and board member of the Camarillo Pony Baseball Association, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology to support diversified investment strategies.

Jennifer Curry is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has held positions at JPMorgan Chase Bank, N.A. since 2019 and at J.P. Morgan Securities from 2016 to 2019. She holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.