Jennifer Wolfslau is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked in various roles at Morgan Stanley entities since 2016. Her background includes a year at the Segerstrom Center for the Arts and four years at Chapman University. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment modeling techniques in its planning process, providing advisory services without individual security recommendations as part of standalone plans.

Kiley Schmit is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. She has worked at Charles Schwab since 2007, including 15 years at Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, 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 offers a blend of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Khaled Younes is a financial advisor with Morgan Stanley in Long Beach, CA. He holds a Series 66 credential and has been in the industry since 2025. His prior work experience includes roles at the City of La Habra and Kay Jewelers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services ranging from retail and institutional offerings to private funds and principal trading activities.

Paul Pitchess is a financial advisor with Cetera in El Segundo, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at Avantax Investment Services, INC. for 12 years and has been involved with his own tax preparation and accounting business, Pitchess & Pitchess, LLP, since 2005. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via a multi-manager platform, with over $256 billion in assets under management and more than 10,000 advisors.

Josiah Wilson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His work history includes roles at JPMorgan Chase Bank, Morgan Stanley, and Primerica. Outside of finance, he has experience working in the food service industry and education. J.P. Morgan Securities 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 and investment management capabilities, delivering recommendations on a non-discretionary basis.

Dylan Bright is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior work history with SCRE Financing Corp, where he originated loans, and Fidelity Bancorp Funding. In addition to his advisory role, he is licensed as an insurance producer to provide life insurance options for financial planning clients. OSAIC serves a broad range of retail and institutional clients, including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction through asset-allocation tools and third-party managed-account solutions.

Austin Kennedy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2011 to 2016. Outside of his advisory role, he is an author of a fictional adventure book titled *The Wendals*. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Benjamin Angotti is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to his advisory role, he held positions at Chapman University and Coach, among other organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and scenario modeling.

Eric Calderon is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and four years of industry experience. His career includes roles within various divisions of Wells Fargo since 2018 and prior academic positions at the University of California, Riverside. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, with a focus on discrete planning engagements across various specialized areas.

Ryan Fisher is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management and Fidelity Brokerage Services. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored financial planning agreements.

Byron Holmes is a financial advisor at Ameriprise with 29 years of industry experience. He holds the Series 63 designation and has been with Ameriprise since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Richard Gilliland Jr. is a CFP®-certified financial advisor with 42 years of experience, currently with LPL Financial since 2025. He previously worked for Western International Securities, Inc. for 26 years. Outside of his advisory role, he is involved as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers various advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Steven Lott is a financial advisor with Merrill in Torrance, CA. He holds a Series 66 designation and has five years of industry experience. His background includes roles at Bank of America, N.A., where he has worked since 2019, as well as a brief position at Anda's Wellness in 2019. 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.

Michael Olmos is a CFP® with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he acts as co-trustee of his father's trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

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.

Sandy Hernandez is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2017. Prior to that, she worked at Merrill from 2014 to 2017. Outside of her advisory role, she is employed as an operations associate in retail at Crate & Barrel in Seal Beach, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Stephen Sullaway is a financial advisor at Wells Fargo Advisors in Long Beach, CA, holding Series 63 and Series 65 licenses with 46 years of industry experience. He has worked within various Wells Fargo entities since 2009. He also serves as co-trustee for a family trust. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and specialized services. Advisors use Wells Fargo research and tools to develop tailored recommendations, with clients choosing how to implement them.

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® with 32 years of industry experience, currently affiliated with Raymond James Financial in El Segundo, CA. He has been associated with Raymond James Financial Services Advisors, Inc. and related entities since 2016. Lavalle is also the owner of Reliant Wealth Solutions INC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs for municipal finance and SIMPLE IRA employer advisory services.

Patrick Lane is a CFP®-certified financial advisor with Edward Jones, based in Long Beach, CA, with 17 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory work, Lane owns a rental property business. Edward Jones is a full-service wealth management firm serving a broad client base that includes individual and institutional investors. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.