Michael Darley is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in property management as a sole proprietor of rental real estate in California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a wide range of investment and planning services.

Afshin Safavi is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers plans directly as well as through Corporate Financial Planning agreements.

Jason Griffin is a financial advisor with OSAIC, holding a Series 66 designation and bringing 24 years of industry experience. He has been affiliated with Royal Alliance Associates and Regal Advisory Services, Inc. since 2002. Outside of his advisory work, Griffin owns and operates tax preparation services through Griffin and Associates, Inc. OSAIC Wealth serves a broad client base including retail and institutional investors, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports a wide range of account types and programs through a complex network of affiliates and a multi-advisor platform.

Kardia Pinckney is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2004. Pinckney also serves as President of Ideal Youth Inc., a nonprofit organization. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and limited discretionary separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating model implementation to BNY Mellon Advisors.

Jaime Ocon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Prudential Equity Group and Morgan Stanley Dw Inc. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Tammy Hospodar is a financial advisor at Cetera with 33 years of industry experience and holds the Series 63 and Series 65 designations. She has worked at firms including Park Wealth Advisors, Unionbanc Investment Services, and OSAIC. She is also the Chief Investment Officer of Park Wealth Advisors, where she advises on long-term care, life insurance, health insurance, and fixed annuities as part of comprehensive financial planning. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures and custodial relationships.

Victor Luke is a Series 66-registered financial advisor with Cetera, bringing six years of industry experience. Prior to joining Cetera in 2025, he worked at Avantax Advisory Services and Avantax Investment Services from 2023 to 2025. In addition to his financial advisory role, he maintains a part-time legal practice focused on estate planning and small business advice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Victor De Lucie is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Western International Securities, Inc. and Financial West Group. Outside of finance, he is active as an actor and musician and has worked as a broadcaster. 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 and access to third-party asset management, supported by advisor-facing technology tools.

Jordan Justman is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding a Series 66 designation and having 21 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Grant Khechumyan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a range of client focus areas including college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, socially responsible, values based, and ESG investing, individual and corporate investment strategy, and retirement income. Grant holds a Bachelor's Degree from the University of Southern California and has earned the Professional Investment Advisor (PIA) designation. Outside of his professional role, he has interests in basketball, music, and reading.

Cory Bloom is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee’s analyses.

Angel Aguinaldo Jr. is a financial advisor at OSAIC with 44 years of industry experience. He holds the ChFC® designation and has worked previously at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. Aguinaldo is also involved in community service as a board director of the LA True-Blue Lions Club and is a 4th Degree member of the Knights of Columbus. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with various portfolio management options and is notable for its scale and complex affiliate network.

Charlene Pemstein is a financial advisor with Raymond James Financial, holding a Series 66 designation and 13 years of industry experience. She has worked with JIGSAW Wealth Management since 2020 and has been affiliated with Monument Associates and Raymond James Financial Services Advisors, Inc. since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and utilizes advanced analytical tools, supporting clients through its extensive advisor network and specialized advisory programs.

Mina Ghavamian is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Citibank and Wells Fargo Bank. 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. The firm combines quantitative and qualitative research to support recommendations, which may include ESG considerations, and offers a broad range of derivatives and commodities capabilities.

David Paller is a financial advisor with Raymond James & Associates in Woodland Hills, CA, holding the Series 63 and Series 66 credentials and bringing 34 years of industry experience. Prior to joining Raymond James in 2020, he worked at UBS Financial Services Inc. for 12 years and Sentra Securities Corporation for 23 years. He serves as Treasurer and Director for the nonprofit Friends of Roots. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional advisory services.

Judith Chipps is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been advising clients since 1979. She leads The Chipps Group, a team dedicated to providing the extensive resources of a large wealth management firm combined with the personalized service of a boutique practice. Judith and her team primarily serve wealthy individuals and families, many referred by clients or external professionals, focusing on a holistic approach to wealth management, preservation, and transfer. With over four decades of experience, Judith specializes in helping clients navigate major financial decisions and life events while coordinating closely with their external advisors to align tax and estate planning with their personal and financial goals. Her expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, and tailored strategies for women and wealth. Judith holds a Bachelor's degree in Chemistry from Smith College and an MBA in Finance from UCLA. She is a CERTIFIED FINANCIAL PLANNER® certificant, Chartered Financial Consultant® (ChFC®), and Certified Plan Fiduciary Advisor® (CPFA®). She resides in Sherman Oaks, where she enjoys kickboxing. Judith is a mother of two, including her daughter Jessie, who works with her at Merrill.

Lydia Lee is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In this role, she partners with clients to develop tailored financial plans that align with their goals, values, and vision. Lydia focuses on building strong, lasting relationships based on trust, dedication, and competence to provide confident guidance throughout the financial planning process. Her experience at Fidelity Investments includes serving as a Relationship Manager from 2023 to 2025 and as a Financial Representative from 2022 to 2023. Lydia holds a California Insurance License, which supports her work in providing comprehensive financial advice. Outside of her professional responsibilities, Lydia enjoys activities such as comedy, attending concerts, cooking and baking, watching movies, and playing tennis.

Kenneth Ulrich is a financial advisor with LPL Financial in Glendale, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2010, following prior roles at NRP Advisors, Inc., NRP Financial, Inc., and Walnut Street Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, including model portfolios, third-party asset management, and institutional platforms.

Taylor Johnson is a financial advisor with Ameriprise in Calabasas, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise since 2018, following prior roles at Scottrade. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a Premier Retirement Income service that provides customized written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Jacob Aytayan is a CFP® and holds a Series 65 license, with one year of industry experience. He is currently with Ameriprise in Calabasas, CA, having previously worked at Confidence Wealth Management and Favor Wealth Advisors. Outside of financial advising, he has experience working in education and business ventures unrelated to finance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.