David Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He serves as president and part owner of Richardson & Co CPAs, a tax and accounting firm, and is involved in real estate sales and mortgage loan origination. Additionally, he acts as treasurer for the Los Robles Estates Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment program options, including model portfolios, third-party managers, and bespoke strategies.

Sierra Lindman Marshall is a financial advisor at OSAIC with three years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation and The Resource Group. Outside of her advisory role, she offers long-term care and traditional life insurance along with life settlements through Marshall Wealth Advisors. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

Vanessa Manquero is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JP Morgan Chase Bank and JP Morgan Securities LLC. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sandra Courser is a Series 66-licensed financial advisor with Merrill in Woodland Hills, CA, where she has worked since 2000. She has 21 years of industry experience. Outside of her advisory role, she serves as a notary, dedicating a few hours monthly to this activity. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Nicholas Scottrussell is a financial advisor with Fidelity, holding Series 66 and Series 63 licenses and 12 years of industry experience. He has been with Fidelity Investments since 2016 and has worked with FIDELITY Personal and Workplace Advisors since 2018. Outside of his financial career, he performs as a guitarist and vocalist in a live band. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios. The firm provides discretionary portfolio management, fund advisory, and delivers model portfolios to intermediary platforms.

Lucy Lu is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she works closely with clients to understand their personal financial goals and develop strategies to pursue those objectives. Her areas of expertise include general investing, retirement planning, and saving for unexpected expenses. Lucy holds professional designations including Accredited Portfolio Management Advisor (APMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of California Irvine. She communicates with clients in English, Mandarin, and Yue (Cantonese).

Patrick Lowe is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior experience includes roles at Wells Fargo Advisors from 2011 to 2022 and Morgan Stanley Private Bank since 2022. Outside of finance, he is involved as an actor in the entertainment industry through the Quantum Leap TV series. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Gianluca Vitagliano is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Napeague Capital. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and access to a broad range of financial products.

Andrea Rudison is a financial advisor at Fidelity with 18 years of industry experience and holds a Series 66 designation. Her prior work includes roles at Charles Schwab and operating Bona Fide Moments Photography. Outside of finance, she is the chef and operator of Soul Island Eats, a food service business based in Tarzana, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research and quantitative analysis with algorithmic portfolio construction. The firm is noted for its registration as a commodity pool operator and its advisory roles for multiple registered investment companies and fund-of-funds.

Quentin R. Stella is a Wealth Management Advisor and Senior Portfolio Advisor, and the founder and partner of Stella, Gold & Associates, a wealth management team at Merrill Lynch Wealth Management. He began his career in financial services in 2009, joining his father, a retired financial advisor, and subsequently joined Merrill Lynch Wealth Management in 2017. He holds the CERTIFIED FINANCIAL PLANNER® and Chartered Retirement Planning Counselor™ designations. Quentin focuses on comprehensive wealth management that starts with understanding clients' needs and goals. He and his team serve affluent families, professional athletes, corporate executives, and business owners. Quentin has particular experience addressing the financial needs and concerns of professional athletes, designing strategies tailored to their unique circumstances. His services utilize the investment insights of Merrill and the banking services of Bank of America to address various client financial needs. He holds a bachelor's degree in Finance and Economics from the University of Nevada, Reno. Quentin resides in Chatsworth with his wife, Jennifer, and their two children. His family is involved with the Juvenile Diabetes Research Foundation and the American Diabetes Association due to his daughter's Type 1 Diabetes diagnosis. Quentin's personal interests include camping, cooking, fishing, football, golfing, spending time with family, and swimming.

Stephanie Seng is a financial advisor at Merrill with Series 66 designation and four years of industry experience. She has worked at Merrill since 2021 and previously was employed at Jonathan M Davidorf M D Inc. from 2020 to 2021 and spent five years in Hokkaido Prefecture from 2015 to 2020. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

William Pare is a financial advisor at OSAIC with four years of industry experience. He holds the Series 66 designation and has worked at firms including Securities America Advisors and KGE Wealth Management, where he also has operational responsibilities. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios across a broad spectrum of investment types.

Evelyn Vallarta is a financial advisor at Merrill with seven years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Merrill since 2019. Prior to that, she was with Wells Fargo Clearing Services and Wells Fargo Bank. Merrill, together 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Harout Khatchoyan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC. from 2011 to 2016. Outside of his advisory role, he co-owns a rental property in Glendale, California. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Angelo is a financial advisor with Ameriprise in Newbury Park, CA, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he subleases office space in Woodland Hills, CA. Ameriprise offers a retirement-income planning service focused on clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide comprehensive, non-discretionary recommendations delivered in partnership with their financial advisors.

Serge Akopyan is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 66 and Series 63 designations and has worked at firms including Masterworks Advisers, Citi, TD Ameritrade, UBS Financial Services, and Prudential. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Fernando Bonada is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has been with Primerica Advisors since 2010 and has worked with Primerica Financial Services since 2005. In addition to his advisory role, he has operated Playa Digital Media since 2002. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure while maintaining oversight of its investment offerings.

Sergio Tirado is a financial advisor with J.P. Morgan Securities in Mission Hills, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Target Corporation. J.P. Morgan Securities LLC 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 to inform their recommendations.

Lizbeth Landey is an International Wealth Advisor with Merrill Lynch Wealth Management. She focuses on providing wealth management services tailored to high net worth and ultra-high net worth clients, including families and institutions. Lizbeth’s approach emphasizes a goals-based wealth management process that integrates all aspects of a client’s financial life, aiming to help clients prioritize and achieve their most important financial objectives through ongoing collaboration and strategy adjustments. Her expertise covers a range of areas including divorce transition planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Lizbeth holds the Personal Investment Advisor (PIA) designation and is bilingual in English and Spanish. Lizbeth completed her high school education at Academia del Perpetuo Socorro and earned a Bachelor’s Degree from the University of Miami. Outside of her professional work, she enjoys boating, fishing, and spending time with her family.

Rances Sainz is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory services, utilizing firm-approved planning tools and investment committees to support client strategies.