Jimmy Kim is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 credential and one year of industry experience. His prior work includes positions at Bank of America and self-employment ventures focused on e-commerce related to Korean fashion brands. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rajesh Gulrajani is a financial advisor with Wells Fargo Clearing in North Hills, CA, holding a Series 66 designation and 21 years of industry experience. His prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Scottrade Inc. 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 through a network of more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Charles Isaacs is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. Prior to joining Raymond James in 2020, he worked at UBS Financial Services for 12 years. Outside of advising, he is involved in managing rental real estate investments. 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, institutions, and municipal entities—and offers financial planning and consulting with a range of portfolio management styles supported by affiliated research and sub-advisers.

Michael Chibidakis is a CFP® professional with 30 years of experience in the financial services industry. He has worked with Raymond James Financial Services Advisors Inc. since 2013 and previously operated McNeely Financial Strategies Inc. DBA Lifestyle Wealth Management for six years. Outside of his primary role, he also works as an independent contractor providing financial advisory and wealth management services for Legend Wealth Management. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and supports client implementation through its advisory programs or other providers.

Andrew Kasney is a financial advisor with Merrill in West Hollywood, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2006. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

William Mai is a financial advisor with LPL Enterprise holding Series 65 and Series 63 licenses and 12 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Foresters Financial. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.

Tim Britten is a Wealth Management Senior Relationship Manager at Fidelity Investments. In his role, he acts as a primary point of contact for clients, focusing on facilitating conversations about wealth and investment planning while delivering personalized service tailored to individual needs and preferences. Tim has been with Fidelity Investments since 2004, progressing through roles including Trading and Service Representative from 2004 to 2008, Financial Representative from 2008 to 2013, and Wealth Management Relationship Manager since 2013. This extensive experience has equipped him with a comprehensive understanding of wealth management and client service within the financial industry.

Nicole Bain is a Financial Consultant at Fidelity Investments, a position she has held since 2021. She began her career at Fidelity in 2018, progressing through roles including Financial Representative, Investment Consultant, and Investor Center Intern. In her role, Nicole focuses on constructing customized financial plans that align with her clients' unique needs and goals, emphasizing transparency and collaboration. She aims to develop wealth planning strategies that benefit clients and their families both now and in the future. Nicole holds a California Insurance License. Outside of work, she has interests in beach activities, family, fitness, parenthood, pets, and Pilates.

Natalie Pavia is a financial advisor at Thrivent Investment Management with four years of industry experience. She holds a Series 66 designation and has prior experience at Action VC and Global Entertainment Securities. Outside of her advisory role, she owns Jefita Design Co., an Etsy business that sells digital art prints. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive goal-based financial plans without portfolio management or discretionary trading authority.

Timothy Fitzgerald is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at LPL Financial since 2020 and previously spent eight years at SagePoint Financial. Outside of his advisory work, Fitzgerald is involved in life, health, and long-term care insurance sales through Fitzgerald Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Deegan is a CFP® professional based in Westlake Village, CA, with 45 years of industry experience. He has worked at OSAIC Wealth, Inc. since 2023 and previously spent 34 years at Royal Alliance Associates, Inc. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of advisors. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios that include a broad range of investment products.

Susanne Costantini is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill Lynch and Bank of America prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a diverse range of investment products and strategies.

Dewi Tan is a Series 66 licensed financial advisor with Merrill, based in Calabasas, CA, and has three years of industry experience. Dewi previously worked at T-Mobile from 2005 to 2022 before joining Merrill and Bank of America, N.A. in 2022. Merrill, in partnership 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Thomas Miller is a CFP®-certified financial advisor with 44 years of industry experience. He has worked at LPL Financial since 2021 and previously held roles at Miller Manocchio Inc, John Miller, various insurance carriers for W&R Insurance Agencies, and Waddell & Reed, Inc. His activities include acting in a fiduciary capacity through The Miller Trust and managing several investment-related business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Sterling Lane is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2020, Lane worked at Wells Fargo Advisors and Wells Fargo Clearing Services, as well as TIAA. Lane serves as a board member of The 62nd & 65th Regiments Legacy Foundation, a nonprofit focused on awarding scholarships to Lincoln University students. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Jesus Andrade is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, and Bank of America. Andrade is based in Encino, CA. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers multi-asset model portfolios supported by research and a formal alternative investment program.

Ronald Rubin is a CFP® professional with 37 years of experience in financial advising. He is currently with LPL Financial and has previously worked at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. In addition to his advisory work, he operates a certified public accounting firm focused on tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Christian Iurato is a financial advisor at Osaic with nine years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Cetera Advisors LLC, First Allied Advisory Services, and David Lerner Associates. In addition to his advisory role, he is licensed as an insurance agent with National Life Group, offering life insurance and annuity products. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, institutions, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with an investment approach that employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing across various asset classes.

Larry Zuckerman is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TCFG Investment Advisors, LLC, TCFG Wealth Management, LLC, and National Planning Corporation. Outside of advising, he is involved in insurance-related businesses, including the Zuckerman Insurance Agency and the Zuckerman Senior Benefit Group. 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 advisers. The firm offers financial planning, advisory programs, retirement plan consulting, and various brokerage services, utilizing model portfolios, third-party research, and a broad range of investment strategies.

Katherine Toth is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing Services, LLC since 2011. Outside of her advisory role, she owns and operates Emotional Support Turtles, a business that creates and sells crocheted crafts online. 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 modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.