Cole Northrop is a Financial Consultant currently working at Fidelity Investments since 2025. In this role, he collaborates with families to enhance their financial confidence and control, focusing on retirement planning, smarter investing, and providing clarity on their financial situations. Cole emphasizes tailoring financial tools to meet each client's unique goals and building trusting, long-term relationships. Prior to his current position, Cole served as an Investment Consultant at Fidelity Investments from 2024 to 2025. His earlier experience includes roles in client relationship service and client service specialist positions at Charles Schwab and TD Ameritrade between 2021 and 2024. Cole holds a California Insurance License. Outside of his professional work, Cole engages in activities such as family activities, fitness, social events with friends, snowboarding, and traveling.

Joseph Dallape is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He focuses on creating personalized financial strategies tailored to each client's unique goals and financial situation, leveraging the investment insights of Merrill and the banking and lending services of Bank of America. Joseph holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Southern California. Committed to community involvement, Joseph participates in volunteer activities within the communities he serves.

Harshal Doshi is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services from 2003 to 2020 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and analyses.

Richard Van Horn is a financial advisor with Morgan Stanley in Torrance, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a range of advisory programs to both individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools to support client goals.

Richard Moon III is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Advisory Services and RMA Wealth Advisors. He is also a partner and manager of Richard Moon & Associates Accountancy Corp, an accounting services firm. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Stacy Thatcher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of experience at the firm. She is based in El Segundo, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Brianna Mackie is a financial advisor with Charles Schwab, holding a Series 66 credential and beginning her industry career in 2024. Her prior experience includes roles at Gabelli Funds and educational positions at Chapman University. She has also worked with the Borough of Avon by the Sea and the Spring Lake Bath & Tennis Club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment advisory services supported by multi-asset model portfolios and centralized operational infrastructure.

Sergio Garcia is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2008. Outside of finance, he is the owner of Quality Furniture Inc., a furniture manufacturing and sales business. 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 broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis.

Joseph D'arrigo is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 66 and Series 63 licenses and having 11 years of industry experience. His work history includes roles at JP Morgan Chase Bank and JP Morgan Securities LLC, as well as positions in academia at San Jose State University and the University of California, Santa Cruz. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

William Dramis is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan firms since 2011, including roles at JPMORGAN Securities LLC and JPMorgan Chase Bank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Brian Beldham is a financial advisor at Cetera with 26 years of industry experience and holds a Series 66 designation. His prior roles include positions at Ares Management Capital Markets and City National Bank. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and custodial relationships.

Nora Nosaka is a financial advisor with Primerica Advisors in Long Beach, CA, holding Series 63 and Series 65 licenses and having seven years of industry experience. She has been with Primerica Advisors since 2019 and has been associated with Primerica Financial Services since 2016. Outside of investment advising, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Kyle Tarver is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at MML Investors Services LLC and MassMutual Life Insurance Company, as well as positions outside the financial industry. He is also engaged in insurance brokerage, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers through collaborative, annual planning engagements.

Arielle Jaffe is a financial advisor at Cetera with 24 years of industry experience. She holds Series 63 and Series 65 designations. Her work history includes roles at Investacorp Advisory Services, Ladenburg Thalmann & Co. Inc., Securities America, and multiple entities within the Cetera network. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers portfolio management, financial planning, and access to various program platforms, managing over $256 billion in assets through a large network of independent advisors.

Curtis Kurtz is a financial advisor with Ameriprise in Lakewood, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its predecessor entities since 1982. Outside of his advisory work, Kurtz serves on the Board of Directors for the YMCA of Greater Long Beach, chairs its Finance Committee, and participates in community organizations including the Rotary Club of Lakewood and Los Altos United Methodist Church. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Robert Dominik is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.

Oscar Izaguirre is a financial advisor with Merrill based in El Segundo, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill Lynch since 2006 and joined Bank of America, N.A. in 2025. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s broader corporate platform.

Kelly Kohagura is a financial advisor at Merrill with 24 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 1999. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Ian Riley is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 designations and has 28 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A. and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved planning tools.

Edward Rakosky is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to the unique financial goals of his clients. His expertise spans a variety of areas including education planning, family wealth management, legacy planning, personal retirement planning, portfolio management, socially responsible and ESG investing, as well as services for endowments, foundations, non-profits, defined benefit plans, small business strategies, and sports and entertainment sectors. Edward holds several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the State University of New York and a Master's Degree from Pepperdine University. Outside of his professional duties, Edward is involved in his community and currently serves as President of the Saint John Bosco Homerun Club. His personal interests include a wide range of outdoor and athletic activities such as baseball, basketball, biking, football, golfing, racquetball, rock climbing, running, and yoga, as well as spending time with his family.