Virginia Ferrer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked at various Wells Fargo entities since 2005, including Wells Fargo Bank, Wells Fargo Advisors, and Wells Fargo Clearing. Outside of her advisory role, she is a co-owner and treasurer of Fresh Prints & Design Inc. and serves as treasurer for the St. Lukes Preschool Booster Club. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Anderson is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and tailors recommendations using proprietary research and tools, with planning engagements typically discrete and fees negotiated based on scope and complexity.

Steven Parker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2013. Outside of his advisory role, he is an owner and partner in SpaceX. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Jonathan Gragg is a financial advisor at Cetera with 13 years of industry experience. He holds the Series 66 designation and previously operated under his own advisory business, Jonathan Gragg, from 2016 to 2021. Outside of advisory services, he is also an insurance agent who sells life, health, annuities, and long-term care products. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored 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 access to affiliated and third-party managers, supporting various program structures and investment strategies.

Andrew Davis is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Hristo Stefanov is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at Cetera. He has held various roles within Cetera and its affiliated entities since 2013 and has been associated with Tower Square Investment Management LLC since 2015. Outside of his advisory work, he participates as a member of a homeowners association board, where he attends meetings and reviews budgets. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with diverse investment program options and oversight.

Vincent Woo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior positions include roles at City National Bank and RBC Capital Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations, to assist clients in developing financial plans.

James Mercier is a financial advisor with Ameriprise in Long Beach, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm serves clients through a centralized consulting team and emphasizes use of Ameriprise-managed accounts and affiliated products.

Julianne Oshinomi is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the firm for over 20 years, providing clients with tailored financial advice and wealth management strategies. Julianne works alongside her team in Boca Raton, Florida, collaborating with multiple generations of affluent families to help identify their financial goals and implement strategies to meet their needs. Her role supports a disciplined approach to investing and personalized service. She holds a Bachelor's Degree from the University of Florida and carries professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Nicole Novales is a financial advisor at Charles Schwab with 11 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2019. Prior to that, she worked at LPL Financial and LBS Financial Credit Union. 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, using multi-asset model portfolios, strategic asset allocation, and alternative investment options.

Jerry Dillon is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities for 10 years. Outside of his advisory role, he owns and manages a rental property in St. Gardenia, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Diederich Rivas is a Financial Advisor at Merrill Lynch Wealth Management, where he leads a team dedicated to assisting families, individuals, and successful business owners in developing comprehensive, long-term financial strategies. His approach connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most. Diederich and his team guide clients through a detailed discovery process to articulate and prioritize short- and long-term financial objectives, providing personalized attention supported by the global resources of one of the world's largest financial services firms. He offers expertise in various financial areas, including personal retirement planning, portfolio management services, and tax minimization. Diederich and his team help clients prepare for retirement lifestyles, education funding for children and grandchildren, wealth transfer, legacy establishment through family foundations and philanthropy, diversifying business interests, lending through Bank of America, and investment strategies. He emphasizes understanding clients' life priorities to create personalized plans aligned with their goals and aspirations. Diederich holds several professional designations, including Accredited Portfolio Management Advisor (APMA), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned his Bachelor's Degree from the California State University System. Outside of his professional role, Diederich enjoys cooking, golfing, and traveling, and communicates fluently in English and Spanish.

Peter Alliegro is a CFA® charterholder with 16 years of industry experience, currently affiliated with Mass Mutual Investors Services in El Segundo, CA. His prior roles include positions at Steel Peak Wealth, Morgan Stanley, and U.S. Trust. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software tools to analyze client goals and deliver written recommendations.

Larry Takahashi is a CFP® with 18 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at Grove Point Advisors, LLC, and Grove Point Investments, LLC. Outside of his advisory work, he teaches at a local school or university. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Mc Gough is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His prior work includes roles at Wells Fargo Advisors and involvement with Onyx Indoor Golf & Cafe, as well as teaching positions at Westwood Public Schools and UC Irvine. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment modeling but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

Roger Conde is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 32 years of industry experience, having worked previously at firms including Founders Financial Securities, JLife Wealth Management, Ira Wealth Management, First Allied Securities, and Pacific Retirement Advisors. In addition to his advisory role, he is an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals utilizing a range of portfolio management and model-based solutions.

Tom Kim is a financial advisor with Wells Fargo Clearing in Whittier, CA, holding Series 63 and Series 66 licenses and 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Tom holds a real estate license in California, which he uses for personal real estate transactions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is guided by investment policy statements and modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Nikesh Kadakia is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 26 years of industry experience. He has worked at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to develop financial plans.

Leif Quinlan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. 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 solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

John Fleishman is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 credential and 14 years of industry experience. He previously worked at Raymond James & Associates before joining Morgan Stanley and Morgan Stanley Private Bank, N.A. in 2018. Outside of his advisory role, Fleishman is active in music as a keyboard player and band member, and he serves on the board of the charity Team 100 / Food For Kids. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment programs alongside estate planning strategies.