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.

Ogden Page is a CFP® and PFS™ credentialed advisor with 36 years of industry experience, currently practicing at Cetera since 2025. He previously worked for Avantax Advisory Services and related entities for 21 years and has been the sole principal of Ogden Page Accountancy Corporation, a tax preparation and accounting firm, for over 30 years. He is the founder and president of the Bulgarian-American Chamber of Commerce and the U.S. Financial Education Foundation, a 501(c)(3) nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Phillip Lehman is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. His work history includes roles at Bank of America and Advanced Energy Solutions, as well as experience at the University of Arizona. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Deborah Lee is a financial advisor with LPL Financial in Sherman Oaks, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has worked at LPL Financial since 2007 and was previously with UBS Financial Services from 2001 to 2007. Outside of her advisory role, she has engaged in bartending for private parties and allowed her home to be used for small film projects. 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 financial planning and asset management services delivered through a large network of investment adviser representatives using model portfolios, third-party subadvisors, and customized strategies.

Glenn Crawford is a financial advisor with Mass Mutual Investors Services in Newhall, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Signature Resources Capital Management and Taylor Insurance and Financial Services. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative relationships, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Terry Gordy Jr. is a financial advisor at Osaic Wealth, Inc. with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for SagePoint Financial, Inc. for 14 years. Gordy also has been affiliated with Pepperdine University since 2007 and is involved with Independent Capital Management Corp. in roles related to investment relations and trust services. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a broad network of financial advisers. The firm provides integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk assessments, and access to third-party money managers and managed accounts.

Jennifer Meneshian is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Robert Arshagouni is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He is co-partner at Jackson & Arshagouni, a tax and accounting firm, and serves as president of the Marilyn Arshagouni Scholarship Fund, which administers scholarship awards. He also holds leadership roles in a youth soccer volunteer organization and is CFO of a manufacturing business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.