Robert Oberlander is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank SSB since 2006 and 2012, respectively. Based in Woodland Hills, CA, he serves clients through Schwab’s extensive advisory platform. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset portfolios, periodic reviews, and due diligence on alternative investments.

Manuel Dermanuelian is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 license and bringing 19 years of industry experience. His career includes roles at Wells Fargo Clearing, J.P. Morgan Securities, and multiple positions within Morgan Stanley. Outside of finance, he works as a pilot and flight instructor and serves as an airline pilot for United Airlines. Morgan Stanley Wealth Management offers advisory programs and personalized financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process supported by advanced modeling tools and serves clients through both direct and employer-sponsored arrangements.

Wesley Dunn is a financial advisor at Raymond James Financial with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has authored five books, including financial education and children’s titles, as well as a religious book. His work includes licensing one of his books for video adaptation, generating residual fees. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and supports advisory programs with advanced analytical tools and specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Pablo Lozano is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2020. His prior experience includes roles at Snap-On Tools and Uber. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment due diligence process.

Sean Laverty is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior work includes roles at Wells Fargo Bank, Santa Cruz County Bank, and the Harvard Club of Santa Barbara. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative due diligence and incorporates ESG considerations, offering extensive derivatives and commodities capabilities.

Raffi Karageuzian is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he provides customized investment advice and financial services to high and ultra-high net worth clients. He focuses on developing tailored solutions that address clients’ risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. His services include investment management, retirement and estate planning, lending strategies, and life insurance within a comprehensive wealth management framework. Raffi began his financial services career with UBS in 2007, and he joined Merrill Lynch in downtown Los Angeles in 2009 before relocating to the Glendale office in 2011. Prior to this, he served as a Senior Economist with the United Nations Development Program in Lebanon from 1999 to 2005, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. During that time, he also lectured in Financial and Cost Accounting at Haigazian University. Raffi holds a Master's degree in Money and Banking from the American University of Beirut and a Bachelor's degree in Business Administration from Haigazian University. He holds the designations of Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional responsibilities, Raffi is actively involved in community organizations including Haigazian University Alumni USA, the Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. He speaks Arabic, Armenian, and English. Outside of work, he enjoys basketball, photography, traveling, and spending time with his family.

Monica Stempel is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, One Capital Management, LLC, and AssetMark Financial, Inc. Outside of advising, she owns and operates HLF Holdings, LLC, a real estate business focused on acquiring and managing rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor portfolio management and financial planning services. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Gurgen Vardanyan is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. He has worked at Cetera since 2025 and previously held roles at Avantax Advisory Services and AXA Advisors. In addition to his advisory work, he serves as a Wealth Management Associate at David A Lazar an Accountancy Corporation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Neil Scheinbart is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Morgan Stanley and Citigroup Global Markets. He is based in Woodland Hills, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and supports clients with a range of brokerage and advisory solutions.

Lawrence Myers is a financial advisor with Mass Mutual Investors Services in Westlake Village, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with MML Investors Services and Mass Mutual since 2002. In addition to his advisory role, Myers operates an independent insurance agency focused on life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management through structured, collaborative engagements using firm-approved analytical tools.

Richard Humphries III is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in wealth management in 1998 when he joined Merrill Lynch. He is a qualified portfolio manager who manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies, sometimes on a discretionary basis. His areas of expertise include college education planning, corporate executive services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, tax minimization, and retirement income. Richard holds multiple professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE). He earned a bachelor's degree from the University of California at Los Angeles. He is a member of professional organizations such as Bruin Professionals, Athletes Touch, North Ranch Country Club, and Oaks Christian School. Beyond his professional work, Richard is involved with the Oaks Christian School and Athletes Touch in the Los Angeles area. He enjoys participating in basketball, football, golfing, traveling, and yoga.

Edward Charton is a financial advisor with Ameriprise in Simi Valley, CA, holding 42 years of industry experience. His prior roles include positions at LPL Financial, Partners Securities, Inc., and Financial Network Investment Corporation. Outside of advisory work, he manages personal boating activities through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Downing is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include long tenures at Fiduciary Trust and various Avantax entities. He owns and operates a tax and accounting services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Nicole Megowan is a financial advisor at Morgan Stanley in Valencia, CA, holding Series 65 and Series 63 licenses with six years of industry experience. Her prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, First Republic Securities Company, and Wedbush Securities Inc. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Brian Fine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent three years with Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Richards is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with LPL Financial, formerly Linsco/Private Ledger Corp., for 39 years. Outside of his advisory work, he is an independent video and film producer with a YouTube channel where he creates and shares videos. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 institutional platforms, supporting advisors with research and technology tools.

Brynne Scalise is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser serving individual and institutional clients with advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and models as part of its structured financial planning process.

Milton Greenberg is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. and affiliated firms since 2016. In addition to his advisory work, he serves as an agent offering AFLAC insurance products and is an officer and treasurer at Jigsaw Wealth Management. 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, pension plans, corporations, and institutional clients. The firm employs tailored non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Brad Gore is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at American General Life Insurance and AIG Capital Services. Gore receives insurance residuals from John Hancock and OneAmerica Financial Partners. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Jasmina Lujan is a financial advisor with J.P. Morgan Securities in Northridge, CA, holding a Series 66 designation and 19 years of industry experience. Her work history includes multiple roles within J.P. Morgan and its affiliates dating back to 2007, as well as a two-year period at the University of Phoenix. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, and includes capabilities in derivatives and commodities through its broader regulatory registrations.