Justin Perez is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His work history includes roles at multiple Cetera entities since 2023 and earlier experience with Jeanne Gibson and other firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary strategies.

Ernest Cho is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank and JP Morgan Securities LLC. Cho has been with Morgan Stanley since 2022. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research-driven estimates in its financial planning process.

Phillip Lavalle is a CFP® professional with 32 years of industry experience. He is affiliated with Raymond James Financial Services Advisors INC. and is also owner of Reliant Wealth Solutions INC. He has been with these firms since 2016. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individual investors, pension plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and supports small businesses through its SIMPLE IRA Employer Advisory & Consulting Services program.

Patrick Lane is a CFP® with 16 years of industry experience and has been with Edward Jones since 2013. He is based in Long Beach, CA. Outside of his advisory role, Lane owns a rental property business in Evansville, IN. Edward Jones is a full-service wealth management firm serving individual and institutional clients nationwide, managing over $1 trillion in assets with a large network of advisors and branch offices.

Adam Zahn is a Senior Financial Advisor with the Zahn-Morris Team at Merrill Lynch Wealth Management. He focuses on asset allocation, values-based wealth management planning, and portfolio construction. Adam brings over a decade of experience in the financial services industry, having joined Merrill in 2019. Prior to his career in finance, he played professional basketball internationally and began his financial career in Real Estate Finance, specializing in lending solutions for real estate investors and homeowners. Adam holds a Bachelor of Arts degree in Political Science with a minor in Business Administration from the University of Oregon. He has expertise in corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, socially responsible and ESG investing, sports and entertainment, and tax minimization. Residing in Palos Verdes, California, Adam and his brother run a youth club basketball program. He is also involved in his community as a youth basketball coach. Adam holds the Personal Investment Advisor (PIA) professional designation.

Calyssa Frankel is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley entities and at Paolucci Salling and Martin. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Jacob Dax is a financial advisor with Ameriprise in Manhattan Beach, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Dallas Skyline Juniors Volleyball. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement recommendations in partnership with clients’ financial advisors.

John Acker is a financial advisor at UBS Financial Services in Manhattan Beach, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at UBS since 2006. Outside of his advisory role, Acker is co-president of the board for the Los Angeles Retarded Citizens Foundation, a nonprofit residence serving approximately 100 mentally challenged individuals, and he will serve as president of the Manhattan Beach Rotary Club from June 2024 to May 2025. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances.

Christopher Cataldi is a financial advisor with Ameriprise in Redondo Beach, CA, holding a Series 66 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in independent insurance brokering with Metropolitan Life. Ameriprise serves clients primarily through its retirement-income planning service designed for individuals with significant investable assets, offering tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to deliver these services, emphasizing managed accounts and algorithmic recommendation processes.

Elizabeth Corder is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has prior work history with First Republic Investment Management, Wells Fargo, and legal positions at Venable LLP and Duane Morris LLP. Corder is also a licensed attorney in California and Pennsylvania, maintaining her law licenses alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

Matthew Kim is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2008. He has been with Fidelity for over 20 years, working in various capacities including Financial Consultant, Investment Representative, and Financial Representative since 2000. Throughout his career, Matthew has assisted clients and families in creating wealth plans and implementing investment strategies tailored to their unique financial goals. Matthew holds a California Insurance License which supports his ability to provide comprehensive financial advice. His long tenure at Fidelity Investments reflects his commitment to financial consulting and client service.

Patricia Delk is a CFP® with 41 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2008. She is based in Manhattan Beach, CA, and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is the passive owner of a local bar and grill in Manhattan Beach. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to individual risk profiles.

Kyle Freitas is a financial professional with six years of industry experience, currently affiliated with Cetera. He holds a Series 66 credential and has prior work experience at Northrop Grumman. Outside of advisory services, he is involved in insurance sales and operates a financial services business, Freitas Harte Planning, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with a network of over 10,000 advisors and more than $256 billion in assets under management.

Duncan McPhee is a Financial Consultant currently with Fidelity Investments, a role he has held since 2022. He specializes in working with clients who have both simple and complex financial and wealth planning needs, utilizing principles of goals-based planning to provide confidence, clarity, and structure regarding their wealth. He brings over a decade of experience to his current position, having previously served as a Financial Advisor at Wells Fargo Advisors from 2015 to 2022, a Private Client Advisor at JPMorgan Chase from 2012 to 2015, and a Financial Advisor at Morgan Stanley Smith Barney from 2011 to 2012. Duncan holds a California Insurance License. Outside of his professional work, Duncan has interests that include cars, comedy, gardening, pets, photography, and traveling.

Patricia Piceno Mendez is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and JPMorgan Chase Bank prior to her current role. She also has a background spanning twelve years with G By Guess. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Greg Prahser is a financial advisor at Morgan Stanley with 24 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2025, with prior roles at City National Bank and RBC Capital Markets. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Kevin Goyan is a financial advisor with Morgan Stanley in El Segundo, CA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that uses firm-approved tools and employs the Global Investment Committee’s return estimates and Monte Carlo simulations in its planning process.

Mohamed Rafeek is a financial advisor with Primerica Advisors in Gardena, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1998. Outside of his advisory role, he is involved with Rafeek & Associates, Inc., a business formed for Primerica-related purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selectively managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on tiered percentage-based fees and ongoing oversight of its investment models.

Damon Dozier is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at notable firms including JP Morgan Chase Bank, Fidelity Investments, LPL Financial, and M&T Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Ramiro Carvajal is a financial advisor at Wells Fargo Clearing with four years of industry experience and holds the Series 66 designation. Prior to joining Wells Fargo in 2026, he worked at Merrill and Bank of America, N.A. Carvajal’s background also includes roles outside of finance, such as at AT&T Mobility from 2006 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.