Steven Hornstein is a CFP® with 36 years of industry experience, currently serving at Cetera since 2025. Prior to joining Cetera, he spent nine years at Avantax Advisory Services and has operated Hornstein Law Offices since 2002. Outside of advising, he practices law with a focus on estate planning, serves on various nonprofit boards including the Rotary Club of Woodland Hills, and is the author of a book on estate planning documents. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm provides access to multiple investment strategies through a large network of independent advisors and offers portfolio management, financial planning, and third-party manager selection across diverse program structures.

Carlos Gil Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Rockel is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2020, following four years at UBS Financial Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Artono Budhiman 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 and worked at WELLS FARGO Advisors, LLC from 2012 to 2016. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Ari Brozki is a financial advisor with Morgan Stanley in Sherman Oaks, CA. He holds Series 63 and Series 66 licenses and has recently started his career in the financial industry, joining Morgan Stanley in 2026 after roles at NYLIFE Securities LLC, New York Life Insurance Company, and several other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jonathan Arreguin Valencia is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked with Merrill since 2020 and Bank of America since 2024. Prior to his financial services career, he held positions at CSU, Fresno and Bj's Restaurant & Brewhouse. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Masino is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding a Series 63 designation and 32 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services directly to individuals as well as through Corporate Financial Planning agreements.

Jacob Yashar is a financial advisor with LPL Enterprise, holding the CFP® and ChFC® designations and possessing 44 years of industry experience. His prior roles include positions at California Health Benefit Exchange and The Prudential Insurance Company of America, where he has worked since 1981. He is also involved in marketing individual medical insurance outside of his advisory duties. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment programs. The firm combines advisory programs with brokerage and insurance product offerings through an integrated platform.

Ming Tam is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Bank of America and Merrill since 2018 and previously was with Rogerson Kratos. Merrill, along 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 individuals, high-net-worth clients, and institutional investors.

Glenn Palamides is a financial advisor with Merrill in West Hollywood, CA, holding a Series 66 designation and one year of industry experience. His career includes roles at Merrill and Bank of America. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Felten is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch for over 10 years and brings experience in helping clients develop personalized wealth management strategies that reflect their priorities and the dynamic market environment. Paul focuses on areas including education planning, family wealth management, legacy planning, retirement income, tax minimization, and portfolio management, among others. Beginning his career in financial services in 2010, Paul is the third generation of Felten family financial advisors. He holds a Bachelor's Degree from the University of California Santa Barbara and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Paul also actively participates in community volunteer work, reflecting the Merrill tradition of community involvement. Outside of his professional responsibilities, Paul enjoys baseball, cooking, and spending time with his family. His approach centers on connecting all aspects of a client’s financial life to help prioritize and pursue their most important goals.

Laura Garcia is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding Series 65 and Series 66 licenses and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Jaspreet Puri is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds the Series 66 designation and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocation to tailor client strategies.

Nairi Agabaian is a financial advisor with Edward Jones in Valencia, CA, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Edward Jones in 2024, Agabaian worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, among other firms. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a variety of investment advisory programs and strategies, supported by a nationwide network of financial advisors and branch offices.

Graham Peek is a financial advisor at UBS Financial Services with six years of industry experience. He previously worked at U.S. Trust, Bank of America Private Wealth Management for six years before joining UBS in 2019. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides a range of capital markets and research resources to support client strategies.

Kyle Winther is a financial advisor at Cetera with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Avantax Investment Services, Inc. and Avantax Advisory Services prior to joining Cetera. From 2008 to 2018, he was involved with Vapor Hub Inc. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and customized strategies.

Joanna Sheffron is a CFP® professional with 32 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors, LLC from 2014 to 2016. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options in its investment offerings.

Ryan Alatorre is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2015. 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 multiple market-facing registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Yvonne Redmond is a financial advisor with Equitable Advisors, holding a Series 63 designation and bringing 48 years of industry experience. She previously worked at LPL Financial for 27 years and Kinecta Financial & Insurance Services for 34 years. Redmond also operates as an independent agent specializing in fixed insurance sales. Equitable Advisors serves individual investors, retirement plan sponsors and participants, 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.

Connie Winokur is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with LPL Financial since 2013 and also operates Winokur & Winokur LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by proprietary and third-party research.