Nancy Chappell is Vice President and Financial Consultant at Fidelity Investments. She works with high net worth individuals to develop customized and comprehensive financial plans that support informed decision-making. Nancy collaborates with clients to gain insight and clarity regarding their priorities and the financial tools and resources available through Fidelity. Nancy has been a Financial Consultant at Fidelity Investments since 2018. Prior to that, she worked as a Financial Advisor at Morgan Stanley from 2015 to 2018. She holds a California Insurance License.

Patrick Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 44 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 and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a broader set of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Arifa Forbes is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2004, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Peter Rosenberg is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following five years at HSBC Securities (USA) Inc. and HSBC Private Bank. Outside of his advisory role, he is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and methodologies.

Lillian Appleby is a financial advisor with LPL Financial in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with LPL Financial since 2006. Outside of her advisory role, she is co-founder and COO of Cryztal Prizm, a family business focused on e-commerce, innovative internet projects, and real estate development. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research, third-party subadvisors, and TAMP sponsors.

Brian Smithers is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America, N.A. since 2011. 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 constructed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elaine Habif is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves on the board of The Seeds of Change, a nonprofit focused on disaster relief and humanitarian efforts for children and youth. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and comprehensive asset management.

David Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He serves as president and part owner of Richardson & Co CPAs, a tax and accounting firm, and is involved in real estate sales and mortgage loan origination. Additionally, he acts as treasurer for the Los Robles Estates Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment program options, including model portfolios, third-party managers, and bespoke strategies.

Vanessa Manquero is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JP Morgan Chase Bank and JP Morgan Securities LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Kiesel is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior experience including roles at Ripcurl and academic positions at Pepperdine University and its Caruso School of Law. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning advice focused on income stability and tax-efficient withdrawal strategies.

Joseph Lavitt is a financial advisor with Ameriprise in Westlake Village, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients near or in retirement.

Christopher Soulios is a financial advisor with LPL Financial in Westlake Village, CA, holding a Series 66 designation and bringing 20 years of industry experience. He worked at Ameriprise Financial Services, Inc. for 14 years before joining LPL Financial in 2019. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research, model portfolios, and various technology-driven investment options.

Sandra Courser is a Series 66-licensed financial advisor with Merrill in Woodland Hills, CA, where she has worked since 2000. She has 21 years of industry experience. Outside of her advisory role, she serves as a notary, dedicating a few hours monthly to this activity. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Sylvia Flores is a Series 66 licensed financial advisor at UBS Financial Services in Westlake Village, CA, with six years of industry experience. She has worked at UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. Its advisors use proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Nicholas Scottrussell is a financial advisor with Fidelity, holding Series 66 and Series 63 licenses and 12 years of industry experience. He has been with Fidelity Investments since 2016 and has worked with FIDELITY Personal and Workplace Advisors since 2018. Outside of his financial career, he performs as a guitarist and vocalist in a live band. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios. The firm provides discretionary portfolio management, fund advisory, and delivers model portfolios to intermediary platforms.

Lucy Lu is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she works closely with clients to understand their personal financial goals and develop strategies to pursue those objectives. Her areas of expertise include general investing, retirement planning, and saving for unexpected expenses. Lucy holds professional designations including Accredited Portfolio Management Advisor (APMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of California Irvine. She communicates with clients in English, Mandarin, and Yue (Cantonese).

Patrick Lowe 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. His prior experience includes roles at Wells Fargo Advisors from 2011 to 2022 and Morgan Stanley Private Bank since 2022. Outside of finance, he is involved as an actor in the entertainment industry through the Quantum Leap TV series. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Anastasia Ciudinovschih is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds the Series 66 designation and has worked at Merrill, UBS Financial Services, and Morgan Stanley. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Gianluca Vitagliano is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Napeague Capital. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and access to a broad range of financial products.

Brian Austria is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. 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 advisory process is IPS-driven, grounded in modern portfolio theory, and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.