Sean Laverty is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has worked at multiple firms, including Wells Fargo and Santa Cruz County Bank, and was involved with the Harvard Club of Santa Barbara from 2023 to 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Raffi Karageuzian is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he provides customized investment advice and financial services to high and ultra-high net worth clients. He focuses on developing tailored solutions that address clients’ risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. His services include investment management, retirement and estate planning, lending strategies, and life insurance within a comprehensive wealth management framework. Raffi began his financial services career with UBS in 2007, and he joined Merrill Lynch in downtown Los Angeles in 2009 before relocating to the Glendale office in 2011. Prior to this, he served as a Senior Economist with the United Nations Development Program in Lebanon from 1999 to 2005, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. During that time, he also lectured in Financial and Cost Accounting at Haigazian University. Raffi holds a Master's degree in Money and Banking from the American University of Beirut and a Bachelor's degree in Business Administration from Haigazian University. He holds the designations of Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional responsibilities, Raffi is actively involved in community organizations including Haigazian University Alumni USA, the Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. He speaks Arabic, Armenian, and English. Outside of work, he enjoys basketball, photography, traveling, and spending time with his family.

Monica Stempel is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, One Capital Management, LLC, and AssetMark Financial, Inc. Outside of advising, she owns and operates HLF Holdings, LLC, a real estate business focused on acquiring and managing rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor portfolio management and financial planning services. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Gurgen Vardanyan is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. He has worked at Cetera since 2025 and previously held roles at Avantax Advisory Services and AXA Advisors. In addition to his advisory work, he serves as a Wealth Management Associate at David A Lazar an Accountancy Corporation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Neil Scheinbart is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 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. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lawrence Myers is a financial advisor with Mass Mutual Investors Services in Westlake Village, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with MML Investors Services and Mass Mutual since 2002. In addition to his advisory role, Myers operates an independent insurance agency focused on life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management through structured, collaborative engagements using firm-approved analytical tools.

Richard Humphries III is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he offers guidance on a range of financial matters including college education planning, family wealth management strategies, retirement income, and tax minimization. He also specializes in services tailored to corporate executives, women and wealth, sports and entertainment clients, and managing new wealth. He began his career in wealth management in 1998 when he joined Merrill Lynch. Richard is a qualified portfolio manager, enabling him to create and manage personalized investment strategies that may include individual stocks and bonds, firm model portfolios, and third-party strategies. He holds multiple professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE) certification. Richard earned a bachelor's degree in economics from the University of California at Los Angeles. He is involved in several organizations including Bruin Professionals, Athletes Touch, North Ranch Country Club, and Oaks Christian School. In his personal time, he enjoys activities such as basketball, football, golfing, traveling, and yoga.

Edward Charton is a financial advisor with Ameriprise in Simi Valley, CA, holding 42 years of industry experience. His prior roles include positions at LPL Financial, Partners Securities, Inc., and Financial Network Investment Corporation. Outside of advisory work, he manages personal boating activities through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Downing is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include long tenures at Fiduciary Trust and various Avantax entities. He owns and operates a tax and accounting services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Nicole Megowan is a financial advisor at Morgan Stanley in Valencia, CA, with six years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at firms including J.P. Morgan Chase Bank, First Republic Investment Management, and Wedbush Securities. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Brian Fine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Brynne Scalise is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured tools and modeling techniques to support client goals.

Milton Greenberg is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has held roles at Aflac since 2019 and previously worked at D.A. Davidson & Co. from 2013 to 2016. Greenberg also serves as an officer and treasurer at Jigsaw Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary investment consulting using analytical tools such as risk profiling and probability modeling and supports municipal and public finance through a unique affiliation with a municipal advisor.

Brad Gore is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at American General Life Insurance and AIG Capital Services. Gore receives insurance residuals from John Hancock and OneAmerica Financial Partners. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Jasmina Lujan is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and 19 years of industry experience. She has worked at various J.P. Morgan entities since 2009 and has also been affiliated with the University of Phoenix since 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework.

Benjamin Hale is a financial advisor with Thrivent Investment Management in Simi Valley, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of his advisory role, he serves as a board member of the Adventist Health Foundation supporting Simi Valley Hospital. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary trading authority. The firm’s “WealthPlan” combines planning and managed-account services under a consolidated billing system while maintaining them as separate engagements.

David Sinensky is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment insights developed by its Global Investment Committee.

Mahsa Pour Lotfi is a financial advisor at Equitable Advisors with five years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Stifel Independent Advisors, Wells Fargo Clearing Services, and Wells Fargo Bank. Outside of her advisory role, Mahsa is active as a realtor with Bevery & Company and manages an online retail website, Chemimed.com, in addition to authoring financial and educational content. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and emphasizes both advisory and brokerage solutions with a significant portion of assets managed on a non-discretionary basis.

Steven Barrus is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked with FSC Securities Corporation and Fidelity Investments. Barrus serves as a board member of the Young Investors Society, an organization focused on financial literacy for high school students, and coaches boys volleyball in the Conejo Valley Unified School District. OSAIC serves a broad mix of retail and institutional clients, offering brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a range of investment products managed on discretionary or non-discretionary bases.

Amir Rad is a CFP®-certified financial advisor with J.P. Morgan Securities, based in Woodland Hills, CA. He has 13 years of industry experience, including 10 years with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. 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 in its investment approach.