Jaclyn Hong is a financial advisor at Cetera with five years of industry experience. She holds a Series 66 designation and has worked at Cetera Investment Advisers LLC and Cetera Financial Specialists LLC since 2023, following prior roles at Avantax Advisory Services and other firms. Outside of her advisory work, she assists with physical labor and repairs at family-owned properties. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Brenda Guzman is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 16 years of industry experience. She has been with Thrivent and its affiliated entities since 2009. Outside of her advisory role, she assists with a family cleaning business that provides office and home cleaning services. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm supports clients with a range of planning topics and allows integration with managed-account programs under a consolidated billing system.

Robert Stenzel is a financial advisor with Equitable Advisors in Woodland Hills, CA, holding a Series 66 designation and 16 years of industry experience. He has worked with Equitable Advisors since 2010 and previously with Axa Advisors, LLC. His other business activities include serving as co-trustee of a family trust and as an estate administrator. Equitable Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through various advisory models and third-party managers.

Hasan Najmuddin is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, TD Ameritrade, Merrill, and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

Oswaldo Ramos is a financial advisor with LPL Financial in Northridge, CA, holding Series 63 and Series 65 credentials and 31 years of industry experience. He previously worked at Citigroup Global Markets for 11 years and Western International Securities, Inc. for 7 years. Ramos is involved with the Oswaldo H Ramos Corporation and provides non-variable insurance services in his other business activities. 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, and third-party asset management, supported by a network of over 22,800 advisors.

Joshua Cummins is a CFA® charterholder and holds a Series 66 license, with 27 years of experience in the financial services industry. He has worked at UBS Financial Services since 2005, including his current role since 2024, and previously held positions at Bank of America, Merrill, Credit Suisse Securities, and Pershing. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant operations and affiliated banking programs.

Ryan Burke is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 14 years of industry experience. His prior roles include positions at Ameriprise, JPMorgan Chase Bank, N.A., and JP Morgan Securities LLC. He also operated Burkeekrub Inc. for 14 years. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of strategies including discretionary and non-discretionary management.

David Olnick is a financial advisor at Raymond James Financial Services Advisors, Inc. with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2012. He was also affiliated with A & T Wealth Strategies during part of his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique advisory affiliation.

Diana Santana is a financial advisor at Merrill with 29 years of industry experience. She has been with Merrill since 2005 and holds a Series 63 designation. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Philip Byrne is a financial advisor with Morgan Stanley in Westlake Village, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning using structured discovery and advanced modeling tools, managing approximately $2.74 trillion in client assets.

David Norton is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he serves as an executor for trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, including customized 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.

Robert Clark is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America, N.A. since 2011. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-focused investment strategies, supported by deep integration with Bank of America affiliates and a comprehensive capital-markets platform.

Duncan Hizzey is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, following three years at Bellevue Healthcare. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process using firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Eric Wiltfang is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Merrill prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and Corporate Financial Planning agreements.

Sonia Culazzo is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 66 designation and 12 years of industry experience. She has been with UBS since 2007. Outside of her advisory work, Sonia is the owner of Crimson Bordeaux, a dog breeding and exhibiting business she has operated since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor strategies to client goals and risk tolerances.

Yassine Zahlane is a financial advisor at Edelman Financial Engines with nine years of industry experience. He holds Series 63 and Series 65 designations. Zahlane has worked at multiple affiliated firms within the Edelman Financial Engines organization since 2012. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven portfolio modeling with planner delivery and online tools, offering both discretionary and non-discretionary investment management across a broad range of account types.

Jeffrey Blum is a financial advisor with Raymond James & Associates in Westlake Village, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2009. Outside of his advisory role, he dedicates time to the Conejo Las Virgenes Future Foundation, a community think tank organization. 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 diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles and institutional solutions.

Amna Altaf is a financial advisor at LPL Enterprise with six years of industry experience and holds a Series 66 designation. Prior to joining LPL Enterprise in 2024, she worked with The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm primarily utilizes model-driven investment strategies and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Andy Gitipityapon is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Western International Securities, Citigroup Global Markets, and Wamu Investments. He also operates AG Wealth, an investment-related business connected to his LPL 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 portfolios, and institutional platforms, supported by extensive technology tools and a broad array of non-advisory financial products.

Colin Danahy is a financial advisor with Primerica Advisors based in Woodland Hills, CA, holding Series 63 and Series 65 credentials and with six years of industry experience. His work history includes roles at multiple firms such as PFS Investments Inc. and Applied Companies. He is also involved in sales of loan products and home-related services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and provides advisory services primarily to individual investors through a large network of financial advisors.