Sandy Devich is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory work, she is involved in rental property management. 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 financial planning services.

Esther Moon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 registrations and bringing 19 years of industry experience. She has worked at J.P. Morgan since 2019 and previously held roles at Morgan Stanley and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. The firm’s program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Taylor Marrone is a financial advisor at Merrill with five years of industry experience and a Series 66 designation. He has worked at Merrill since 2019 and has held roles outside finance, including clerical work at his family’s plumbing business and tutoring. 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 investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Madina Boland is a financial advisor with J.P. Morgan Securities in San Marino, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank for 18 years, and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2018. In addition to her financial advisory role, she serves as a language consultant for the U.S. Department of Defense. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research supported by centralized due diligence and incorporates ESG criteria, with implementation facilitated by affiliated investment-management entities.

Jared Goldman is a CFP® professional with seven years of industry experience, currently affiliated with J.P. Morgan Securities in Los Angeles, CA. His prior experience includes roles at First Investment Management, Inc, First Republic Securities Company, LLC, and UBS Financial Services. He also played baseball for UCLA Athletics during his college years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Stanley Diliberto is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 34 years of industry experience. He has been with LPL Financial since 1997 and has operated his own CPA and financial planning firm, Stan Diliberto, CPA, CFP, Inc., since 1980. In addition to his advisory work, he provides tax preparation and limited small business accounting services through his CPA practice. 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, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Diane Doyle is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2017, previously spending three years at DWS Investments Distributors, Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bakha Komak is a financial advisor at Fidelity with 14 years of industry experience and holds the Series 63 and Series 66 designations. Komak has worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC prior to joining Fidelity Investments. Fidelity’s subsidiary Strategic Advisers LLC delivers investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, multi-manager fund advisory, and model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies.

Rajesh Upadhyaya is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with LPL Financial since 1999. Outside of advisory work, his SEC filings indicate involvement in non-variable insurance and mortgage origination activities. 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 portfolio management solutions and supports advisors with research and operational tools.

Marshall Conrad is a Financial Consultant at Fidelity Investments. He has held various roles at Fidelity since 2016, including Investment Consultant and Relationship Manager. His approach to financial planning emphasizes listening and simplifying complex decisions to help clients focus on their priorities. Marshall holds a California Insurance License. Outside of his professional work, he has interests in comedy, fitness, golf, surfing, traveling, and volunteering.

Donny Nguyen is a financial advisor with Charles Schwab in Brea, CA, holding a Series 66 designation and one year of industry experience. His background includes roles at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as time spent in full-time education and a position at Quantumvest. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm’s scale and integrated structure enable it to provide centralized custody and order-routing services alongside multi-asset model portfolios and alternative investment options.

Christopher George is a financial advisor at Cetera with 30 years of industry experience. He holds a Series 63 designation and has held roles at Cetera since 2013, including his current position since 2023, as well as prior experience at Quantum Econometrics, LLC. Outside of advising, he serves as a voluntary board member of the Credit Union of Southern California and owns George's Collectibles LLC, a business focused on selling die cast cars. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services across multiple program structures, combining scale and diverse product affiliations.

John Cleator is a financial advisor at Morgan Stanley with 54 years of industry experience. He holds the Series 63 designation and has worked at various Morgan Stanley entities since 2007. Outside of his advisory role, he is involved as a fundraiser for the Doheny Eye Institute. 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 methodologies.

Lori Sherman is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. She has worked at various firms including Purshe Kaplan Sterling Investments and Thrivent Advisor Network. In addition to her advisory role, she is a senior events specialist at Kitces.com, where she runs internal personal retreats and produces virtual content. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

William Johnson is a financial advisor with Morgan Stanley in Los Angeles, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC, he worked at UBS Financial Services Inc. and Civic Financial Services. Outside of his advisory role, he is involved with Vice Elite Basketball LLC in a contractor capacity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis methods.

Louis Santoro is a financial advisor with LPL Financial in Long Beach, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2009 and also operates Certified Tax & Financial Service, a tax preparation and accounting firm. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Lisa Jung Hwa An is a financial advisor with LPL Enterprise LLC, holding Series 63, 65, and 66 licenses and nine years of industry experience. She previously worked at Prudential/Melany Qu and SchoolsFirst Credit Union. Outside of her advisory role, she is the business owner of Babies N Kids Essentials. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm uses a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Maxim Gorlov is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, GreenShields Capital, Cambridge Investment Research, and Questar Capital Corporation. Maxim is based in Orange, CA. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Reece Roubic is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise and the Fund Evaluation Group. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on a range of topics including retirement, tax, and estate planning. The firm emphasizes goal-based analyses and periodic reviews, delivering planning and managed-account services separately.

Wai Cheung is a financial advisor at Merrill with six years of industry experience. He holds Series 66 and Series 63 licenses. His prior work includes roles at Bank of America and JPMorgan Chase Bank. 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.