Adam Jolivet is a financial advisor with Ameriprise in Woodland Hills, CA, holding a Series 66 credential and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2012. Outside of his advisory work, he owns a small business focused on buying and selling sports cards and memorabilia. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports delivered in partnership with financial advisors.

Jeffrey Taylor is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-based recommendations that incorporate tax-efficiency and probability modeling, focusing on assets managed within Ameriprise.

Leon Smith is a CFP® with 31 years of industry experience and is currently affiliated with Cetera. He has worked in various capacities within Avantax and related firms for over three decades. In addition to his advisory role, he provides tax preparation and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers comprehensive portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Michael Gattuso is a financial advisor with OSAIC in Santa Clarita, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked for American Portfolios Financial Services, Inc. for 16 years before joining OSAIC in 2024. Outside of his advisory role, he owns and operates Gattuso Financial Services, an insurance business. OSAIC serves a broad range of retail and institutional clients, providing integrated brokerage, investment advisory services, and access to multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across various asset classes and offers both discretionary and non-discretionary account management options.

Jennifer Despain is a CFP® professional with 15 years of industry experience, currently advising at Cetera since 2021. She previously worked with Avantax Advisory Services and its related entities for nearly a decade. In addition to her advisory role, she owns and operates Canyon Oak Financial, where she prepares tax returns, develops tax planning strategies, and manages bookkeeping and payroll services for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, financial planning, and access to third-party money managers.

Riley Welles is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and has previously worked at Canyon Oak Financial, California State University of Northridge, and King's Seafood Company. In addition to his advisory role, he provides bookkeeping and accounting services as a staff accountant at Canyon Oak Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with access to affiliated and third-party investment managers.

Oliver Alvarado Algarate is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Deluxe Media and The Cheesecake Factory. 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, and institutional investors.

Juby Wang is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley since 2017, including a four-year period with Morgan Stanley Private Bank, N.A., as well as a year at UBS Financial Services. Outside of his advisory role, he is also a sole proprietor involved in property management. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and scenario modeling without offering individual security recommendations within standalone plans.

Ronald Sera is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at firms including Cetera and Financial West Group. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary consulting through various advisory programs and institutional solutions.

Ali Rad is a financial advisor at LPL Financial with 25 years of industry experience. He has previously worked at Western International Securities, Inc. and Financial West Group. Rad holds Series 63 and Series 65 licenses and is also involved as an agent in accident and health, life, and variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and providing model portfolios and research from internal and third-party sources.

Lucy Viado is a financial advisor with Equitable Advisors and holds Series 63 and Series 66 licenses. She has 27 years of industry experience, including roles at Copper Financial, Edward Jones, and AllState Insurance Company. Outside of her advisory work, she serves as CEO and President of the LVFS Education Foundation, which promotes financial literacy and volunteers with Junior Achievement to provide financial education to nonprofits. Equitable Advisors serves a wide range of clients, including individuals, high-net-worth investors, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, often working through LPL-sponsored solutions and third-party managers.

Blake Ribnick is a financial advisor with Osaic Wealth, Inc. based in Woodland Hills, CA, holding a Series 66 designation and 15 years of industry experience. He previously worked at Securities America Advisors, Inc. from 2011 to 2024. Ribnick is also involved in insurance sales, including annuities. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to various managed account solutions through multiple advisory platforms and third-party providers.

Matthew Denny is a financial advisor at Cetera with 27 years of industry experience. He holds the PFS™ designation and Series 66 license. His prior experience includes roles at Avantax and 1st Global Advisors, as well as longstanding involvement as a partner at Denny & Company, LLP, a certified public accounting firm. He previously served on the Measure SA Oversight Committee for the William S Hart Union High School District. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Eric Kozman is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and four years of industry experience. His prior firms include Stifel Financial, LPL Financial, and Northwest Bank. Charles Schwab serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

Judith Lind is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and having 23 years of industry experience. She has worked with Pfs Investments Inc and Primerica Financial Services since 2002. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and custodian services, operating under a tiered wrap-fee structure.

Canaan Knigge is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 designations and previously worked in engineering consulting roles at firms including Kimley-Horn and Advanced Engineering & Environmental Services. Outside of advising, he serves as an engineering consultant and civil analyst. Primerica Advisors is a large firm that provides a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by third-party asset managers and supports trade execution and custody through Pershing.

Jonathan Dardashti is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His career includes roles at Bank of America, N.A. since 2018 and Axa Advisors, LLC in 2018. He also worked at California State University, Northridge from 2015 to 2017. 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 serves individuals, high-net-worth clients, and institutional investors using model-based and discretionary strategies developed by internal and third-party managers.

Ronald Thomas is a financial advisor with Thrivent Investment Management in Glendale, CA, holding a Series 66 designation and having one year of industry experience. Prior to entering the financial sector, he worked in the automotive and electronics industries with companies such as Toyota Motors North America, Faraday Future, and Samsung Electronics. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial analyses and written recommendations across various planning topics without discretionary trading authority. The firm combines planning services with managed-account options under a consolidated billing arrangement called “WealthPlan.”

Jennifer Atienza is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2013. Outside of her advisory role, she is involved in medical writing consulting through Fletcher Scientific LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client plans and Corporate Financial Planning agreements.

Mark Avner is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad 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 simulations to model potential outcomes.