Larry Bernstein is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked for Wells Fargo Advisors for 13 years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to extensive research and model portfolios.

Daniel Shuler is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and also works with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm‑approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through employer-sponsored agreements.

David Krupp Jr. is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with LPL Financial since 2018 and has worked concurrently at INVEST Financial Corp since 2009. Outside of his advisory role, he serves as Scholarship Chairman for the Far West Ski Association, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and provides research and model portfolios through an extensive network of investment adviser representatives.

James Hawkins is a ChFC® with 32 years of industry experience, currently affiliated with LPL Financial in Agoura Hills, CA. He has been with LPL Financial and its predecessor entities since 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Joshua Radford is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Jonathan Rowsey is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Ameriprise in Calabasas, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns TRLT Ventures LLC and Big Mike LLC, with involvement in managing his advisory business, and serves on the Board of Directors for the Community Association of Saratoga Hills. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Richard Smith is a financial advisor at Osaic with 36 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 27 years before joining Osaic in 2025. In addition to his advisory work, he is an insurance agent offering disability insurance, fixed and indexed annuities, traditional life insurance, long-term care insurance, life settlements analysis, and premium financing. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing firm-provided asset-allocation tools and automated rebalancing to construct portfolios tailored to client needs.

Shayan Savoji is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2008. Outside of his advisory role, he is involved in entrepreneurial ventures including ownership of a specialty exotic car business and co-ownership of a pharmacy company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Janielle Swayne is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. She has been with Morgan Stanley and its predecessor, Morgan Stanley Smith Barney, since 2009. Outside of her advisory role, she serves as a trustee for a trust in Newbury Park, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to support its financial planning services.

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 Series 66-credentialed financial advisor with 18 years of industry experience, currently with Morgan Stanley. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his financial career, he is also an airline pilot and flight instructor. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both individual and employer-sponsored financial planning services.

Wesley Dunn is a financial advisor with Raymond James Financial Services Advisors, Inc. in Encino, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He is also an author of five books, including financial education and children’s books, and his financial education book has been adapted into a video series with residual royalties. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients, offering tailored non-discretionary planning supported by advanced analytical tools and specialized consulting programs.

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 has worked at multiple firms, including Wells Fargo and Santa Cruz County Bank, and was involved with the Harvard Club of Santa Barbara from 2023 to 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

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 with Merrill Lynch Wealth Management. In his role, he offers guidance on a range of financial matters including college education planning, family wealth management strategies, retirement income, and tax minimization. He also specializes in services tailored to corporate executives, women and wealth, sports and entertainment clients, and managing new wealth. He began his career in wealth management in 1998 when he joined Merrill Lynch. Richard is a qualified portfolio manager, enabling him to create and manage personalized investment strategies that may include individual stocks and bonds, firm model portfolios, and third-party strategies. He holds multiple professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE) certification. Richard earned a bachelor's degree in economics from the University of California at Los Angeles. He is involved in several organizations including Bruin Professionals, Athletes Touch, North Ranch Country Club, and Oaks Christian School. In his personal time, he enjoys activities such as basketball, football, golfing, traveling, and yoga.