Ali Rad is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior work includes roles at Western International Securities, Financial West Group, Oppenheimer, and Morgan Stanley. He is also involved as an agent in accident and health, life, and variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Lucy Viado is a financial advisor at Equitable Advisors with 27 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Copper Financial, Edward Jones, Viado Insurance & Financial Services, and AllState Insurance Company. Outside of her advisory role, she serves as CEO and President of the LVFS Education Foundation, a nonprofit focused on promoting financial literacy, and volunteers with Junior Achievement to provide financial education to nonprofit organizations. Equitable Advisors serves individuals ranging from non‑high-net-worth to high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and employs a range of third-party advisory models and asset management solutions.

Blake Ribnick is a financial advisor at Osaic with 15 years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors, Inc. from 2011 to 2024. Ribnick is also involved in insurance sales, including annuities. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers multiple program options through affiliated broker-dealer and RIA relationships.

Matthew Denny is a financial advisor at Cetera with 27 years of industry experience. He holds the PFS™ designation and Series 66 license. His prior experience includes roles at Avantax and 1st Global Advisors, as well as longstanding involvement as a partner at Denny & Company, LLP, a certified public accounting firm. He previously served on the Measure SA Oversight Committee for the William S Hart Union High School District. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Eric Kozman is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Stifel Financial, LPL Financial, and Northwest Bank. Charles Schwab & Co., Inc. serves primarily 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 discretionary separately managed accounts and offers integrated brokerage, custody, and advisory services.

Betty Ma is a financial advisor at Merrill with 25 years of industry experience and holds a Series 66 credential. She has been with Merrill since 1999. Outside of her advisory role, she serves as the treasurer for her daughter’s Girl Scouts troop, a volunteer position involving financial recordkeeping and account management. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Canaan Knigge is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 designations and previously worked in engineering consulting roles at firms including Kimley-Horn and Advanced Engineering & Environmental Services. Outside of advising, he serves as an engineering consultant and civil analyst. Primerica Advisors is a large firm that provides a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by third-party asset managers and supports trade execution and custody through Pershing.

Mark Hammond is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. Outside of finance, he is a self-employed musician. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a nationwide network of over 14,000 advisors.

Yao Tang is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Wells Fargo, Tang worked at Bank of America, Merrill, HSBC Securities, and HSBC Bank USA, and served in the Army from 2015 to 2021. Outside of finance, Tang assists with the e-commerce operations of a family-owned business, Dynasty Art & Frame, which sells oil paintings and provides custom framing services. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ronald Thomas is a financial advisor with Thrivent Investment Management in Glendale, CA, holding a Series 66 designation and having one year of industry experience. Prior to entering the financial sector, he worked in the automotive and electronics industries with companies such as Toyota Motors North America, Faraday Future, and Samsung Electronics. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial analyses and written recommendations across various planning topics without discretionary trading authority. The firm combines planning services with managed-account options under a consolidated billing arrangement called “WealthPlan.”

Jennifer Atienza is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2013. Outside of her advisory role, she is involved in medical writing consulting through Fletcher Scientific LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client plans and Corporate Financial Planning agreements.

Mark Avner is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations to model potential outcomes.

Adrian Sondhi is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations in its recommendations.

Areen Minasian is an Investment Consultant currently working at Fidelity Investments since 2024. She specializes in assisting clients with financial planning and investment decisions, focusing on developing strategies to meet various financial goals. Prior to her current role, Areen held positions as a Financial Solutions Advisor at Merrill Lynch from 2023 to 2024, Wealth Advisor Associate at First Republic Bank from 2022 to 2023, and Senior Preferred Banker Associate at First Republic Bank from 2019 to 2022. She holds a California Insurance License. Outside of her professional career, Areen enjoys activities such as hiking, soccer, tennis, traveling, attending social events with friends, and exploring culinary experiences.

Jorge Ragde Jr. is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of finance, he consults on manufacturing, product design, and quality control for several companies and serves as a board member and state advisor for youth shooting sports organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm‑approved tools and models, and manages approximately $2.74 trillion in client assets.

Robert Albert is a financial advisor with LPL Financial in Pasadena, CA, holding a Series 66 designation and four years of industry experience. He has previously worked at Cadaret Grant & Co, Inc. and Morgan Stanley Smith Barney LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services through a large network of advisors and utilizes various investment strategies, including model portfolios, third-party subadvisors, and customized allocations.

Derek Giacomazzi is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Equitable Advisors since 1999 and previously with AXA Advisors. Outside of his advisory role, he serves as a board member of CallOnJesus.com and is part of the Eternity Sports Advisory Team. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a variety of advisory models and third-party asset managers to tailor investment solutions based on client risk tolerance and objectives.

Jorge Cabrera is a financial advisor at Wells Fargo Clearing in Pasadena, CA, with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, after a tenure at Wells Fargo Bank, N.A. beginning in 2006. Outside of his advisory role, he owns a party and event planning business called Sincerely By Me. 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 offers both brokerage and advisory solutions.

Lauro Braganza is a financial advisor at LPL Enterprise with 37 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior experience includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program, while also facilitating insurance product sales through affiliated entities.

Tanya Sanchez is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021. Prior to this, she was employed at Bank of America, N.A. and has experience in education with PUC Schools and the University of California, Santa Cruz. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.