Johanna Lee is a financial advisor at Cambridge Investment Research Advisors with a Series 66 credential and one year of industry experience. Her prior work includes roles at King’s Hawaiian Holding Company and nearly two decades as a self-employed professional. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals.

Adam Bedrossian is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with high-net-worth individuals, multigenerational families, entrepreneurs, professional athletes and actors, nonprofit organizations, and endowments to develop customized financial plans. His services include investment management, estate planning, generational wealth transfer, philanthropic giving, and pre- and post-liquidity event planning. Adam has particular expertise advising entrepreneurs throughout the business cycle and collaborates with strategic professionals such as M&A attorneys and CPAs. Adam began his career as a financial analyst, focusing on developing and implementing investment strategies for nonprofits, private foundations, and ultra-high-net-worth families. He holds a bachelor's degree in business administration from the Marshall School of Business at the University of Southern California and serves as a guest lecturer at USC on business communications strategy. His professional designations include Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Born and raised in Los Angeles, Adam lives locally with his fiancé and their two dogs. He volunteers with the Challenger League, an adaptive baseball program for children with physical and intellectual challenges, and also coaches baseball and basketball. Additionally, he is an avid golfer.

Daniel Giuffrida is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent four years at Morgan Stanley DW Inc. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Kyle Lundberg is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones in Westlake Village, CA. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Alan Tores is a CFP® with 31 years of experience in the financial services industry. He has worked at UBS Financial Services since 2011, following eight years at Wells Fargo Clearing and two years at Prudential Equity Group. In addition to his advisory role, he is also a health agent for Claire Dexter. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor client plans and offers both fiduciary financial planning and principal trading activities.

David Racusin is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials, and has 28 years of industry experience. His career includes roles at Merrill from 1999 to 2009 before joining Ameriprise in 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides customized written recommendation reports and ongoing retirement-income planning focused on income reliability and tax-aware withdrawal strategies.

Edward Kepple is a financial advisor with Ameriprise in Simi Valley, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise since 2011, including its affiliated entities. Outside of his advisory role, he owns and operates a tax preparation business under Edward H Kepple, CPA. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm delivers customized, written recommendations through a centralized consulting team, emphasizing managed accounts and algorithm-assisted planning.

Stephen Minihan is a CFP® professional with 20 years of industry experience, currently with Cambridge Investment Research Advisors. He previously worked for United Planners' Financial Services for 12 years and has been involved with Westlake Financial Advisors, LLC and his own advisory practice since 2013 and 2008, respectively. He volunteers as a tax preparer with the AARP Tax-Aide Program. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm offers both discretionary and non-discretionary management using multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Dennis Fox is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding a Series 66 license and 21 years of industry experience. He has been with Wells Fargo Advisors since 2012. Fox also owns Archer Strategies, Inc., an investment-related business, and holds a partial ownership in Westlake Private Wealth Management LP. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Hrant Kargayan is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Securities, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than is typical for large institutional advisers.

Matthew Miles is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Tidemark Financial Partners and Playfair Planning Services. Outside of finance, he has experience working in the hospitality and retail sectors. 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 advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative screening, qualitative research, and an ESG eligibility framework to support client decision making.

Robert Chow is a financial advisor at OSAIC with 34 years of industry experience. He holds a Series 63 designation and previously worked at Royal Alliance Associates, Inc. for 32 years. Outside of his advisory role, he owns a sole proprietorship involved in insurance sales. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach involves model-based asset allocation and portfolio optimization, with options for discretionary management and third-party strategies.

John Bell is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, while also working with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct agreements and employer-sponsored plans.

Donna Herme is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and market outcome simulations.

Paul San is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2022. He previously worked for J.P. Morgan Securities LLC for nine years. Outside of his advisory role, he co-owns a rental property with his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes an expanded investment menu featuring insurance-related products and bank deposit sweep options.

Austin Hwang is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2008 and Bank of America, N.A. since 2011. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Lawrence Solomon is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney LLC since 2012. Prior to that, he spent ten years at RBC Capital Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

January Johnson is a financial advisor at Fidelity with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. Her prior experience includes positions at LPL Financial and Fifth Third Securities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and advisor to multiple registered investment companies, using systematic methodologies and AI-driven research tools.

Griselda Hernandez is a Series 66 licensed financial advisor with Morgan Stanley in Westlake Village, CA, where she has worked since 2014. She has 11 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Ernestine Martinez is a financial advisor with Ameriprise in Thousand Oaks, CA, holding a Series 66 designation and one year of industry experience. She previously worked at Ameriprise Financial from 2007 to 2017 and returned to the firm in 2022 after several years in other roles. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides tailored, algorithm-supported recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies through a centralized consulting team.