Vincent Villa is a CFA® charterholder affiliated with Wells Fargo Clearing and has 17 years of industry experience. He previously worked for Morgan Stanley Smith Barney LLC for 14 years before joining Wells Fargo in 2023. Outside of his advisory role, he serves as a trustee for a family trust. 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 uses research and analytics to evaluate investment options, offering both brokerage and advisory solutions across a broad range of financial products.

Robert Olson Jr. is a financial advisor at Merrill with Series 63 and Series 65 designations and 41 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2009. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Brittain is a financial advisor with Equitable Advisors in Valencia, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at Axa Advisors. Brittain is a member of the California Association of Bilingual Education. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm operates a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to implement client recommendations.

John Deluca is a financial advisor with LPL Financial in Encino, CA, holding a Series 63 designation and 43 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he has been involved in real estate brokerage through DSA Inc. 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 advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Lance Marcus is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He has been with Merrill since 1980 and concurrently affiliated with Bank of America since 2009. Outside of his advisory role, he serves as a co-trustee for several family trusts. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Erhart is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at several firms including First Republic Investment Management and Mass Mutual Life Insurance Company. 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, distribution, and investment management capabilities.

Jeffrey Newitt is a CFP® with 19 years of industry experience, currently serving at LPL Enterprise since 2024. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Newitt also operates Independent Services Consultants LLC, a business involved in financial and insurance services. LPL Enterprise serves a broad mix of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, utilizing an integrated platform that combines adviser programs with other financial products and services.

Sarah Reznick is a CFP® professional with 17 years of industry experience. She is currently with Ameriprise and previously worked at Edward Jones for 12 years. Reznick serves on the board of directors for Carden Conejo, a nonprofit organization. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement, with a focus on personalized, tax-smart withdrawal strategies and income planning. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary recommendations.

Thomas Kim is a financial advisor with OSAIC based in Woodland Hills, CA, holding a Series 63 designation and 32 years of industry experience. He has been affiliated with Regal Advisory Services, Inc. since 1997, where he provides financial planning and investment advice. Outside his advisory role, he is the owner of two corporations involved in employee health care benefits and fee flow-through arrangements. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing a range of investment vehicles and portfolio construction tools, with support for discretionary and non-discretionary accounts.

Viridiana Rojas is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with J.P. Morgan since 2014. Outside of her advisory role, she is a co-owner of Red Coast Swim, a family business specializing in handmade swimwear sold online. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence to inform its recommendations.

Fred Escobedo is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 credentials. His work history includes positions at Bank of America, N.A. since 2010 and Merrill since 2010. Merrill, together 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ferial Shamsian is a financial advisor at Ameriprise in Beverly Hills, CA, holding a Series 63 designation with 30 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she has interests in multi-family real estate ownership. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. The firm emphasizes managed accounts and uses algorithmic automation overseen by a dedicated committee to support its advisory process.

Anthony Culazzo is a financial advisor with Morgan Stanley in Westlake Village, CA, holding a Series 66 license and 20 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with 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 proprietary investment models in its advisory services.

Erica Vasques is a CFP® with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to Edward Jones, she worked at Scorpion for three years. Outside of her advisory role, she has experience working as a server at Wood Ranch BBQ and Grill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment strategies through a large nationwide network of advisors and branch offices.

Alexander Tate is a financial advisor with Fidelity in Thousand Oaks, CA, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Wells Fargo and various educational institutions, including Westfield State University and Middlesex Community College. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of proprietary research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and a formal advisory role to multiple registered investment companies.

Daniel Short is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and has been with UBS since 2014, including a prior role at California Lutheran University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm integrates institutional trading capabilities with wealth management, offering a variety of financial planning, portfolio management, and capital markets services.

Kunpeng Wang is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, LPL Financial, Wells Fargo Bank, and Information Forecast, Inc. Wang is also a commissioned notary in the state of California. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process, supported by a large client base and centralized operational infrastructure.

Michael Blank is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Advisors since 2011 through various affiliated entities. Outside of his role at Wells Fargo, he owns MVB Wealth Management, Inc. and has a minority ownership in Westlake Private Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds.

Anthony Benedicto is a financial advisor with Equitable Advisors in Los Angeles, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2015 and previously at Axa Advisors, LLC. Outside of his advisory role, he has been involved with DJ BlindsSide and serves as a contingent power of attorney for his parents. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Rakhi Pritchard is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds a Series 66 designation and has worked previously at Farmers Financial Solutions, LPL Financial, and Kinecta Financial & Insurance Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and consulting services supported by a range of portfolio management styles, firm research, and affiliated sub-advisers.