David Kamholtz is a financial advisor at Ameriprise with 35 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise is an institutional firm that offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports, with an emphasis on managing assets within Ameriprise-managed accounts.

Gary Hersch is a CFP® with 20 years of industry experience, currently affiliated with Equitable Advisors. His prior experience includes roles at Valic Financial Advisors, Morgan Stanley, and UBS Financial Services. Outside of his advisory work, he owns Chefworx Instruments, where he builds guitars and other stringed instruments by hand. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory models and third-party managers to deliver tailored investment solutions.

Stacy Zurita is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 29 years of industry experience. She has worked at Wells Fargo Clearing since 2019 and previously spent ten years at Merrill. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

John Ter Oganesyan is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He previously held roles at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he has partial ownership in Threestone Holdings, LLC, which is involved in investment-related activities. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Drew Skelly is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is a partner in a check printing business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models.

Simon Rawlinson is a CFP® professional with 17 years of industry experience currently with Raymond James & Associates. He previously worked at Unionbanc Investment Services and MUFG Union Bank from 2015 to 2022. Outside of his advisory role, he holds a minority equity stake in a private equity technology start-up, The Quantum Storey Company, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, including high-net-worth clients, institutions, pension plans, and charitable organizations. The firm provides tailored financial planning and consulting, offering a range of portfolio management styles supported by affiliated research and model managers.

Thomas Taylor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, using Wells Fargo research and tools to develop tailored recommendations.

Robert Estepanian is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is a co-owner and trustee of the Robert Estepanian and Suzanna Estepanian Revocable Family Trust, which manages rental property. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Lisa Lyons is a financial advisor with Osaic Wealth, Inc., holding a Series 63 designation and 36 years of industry experience. She has worked at Regal Advisory Service, Inc. since 1997 and Royal Alliance Associates, Inc. since 1992. Lyons owns Regal Advisory Services, Inc., where she provides investment advisory advice and life insurance services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of portfolio management options utilizing asset-allocation tools, automated rebalancing, and third-party solutions.

Michael Mirolla is a Planning Consultant who develops engagement strategies tailored to each client's unique planning needs. He collaborates closely with clients to build financial plans aimed at supporting their financial goals. Prior to his current role, Michael worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm from 2024 to 2025. He holds a California Insurance License.

Steven Kerstein is a financial advisor at Stifel with 45 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. He serves as a FINRA arbitrator in addition to his advisory role. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm’s investment approach incorporates proprietary methodologies developed by its Investment Strategy Group, supporting asset allocation and financial planning analyses.

Trevor Lowe is a financial advisor at Morgan Stanley in Sherman Oaks, CA, holding Series 65 and Series 63 licenses with five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. from 2021 to 2025, along with roles at Thrivent Financial and AFlac. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies.

Ethan Peterson is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Union Bank, and Wells Fargo. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Vallercamp is a financial advisor at Thrivent Investment Management with seven years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Azusa Pacific University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, delivering written recommendations on a broad range of financial planning topics. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option.

Howard Abrams is a financial advisor with UBS Financial Services in Sherman Oaks, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocation to tailor client solutions.

Derek Butler is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His career includes roles at firms such as Waddell & Reed, HD Vest, and National Life. Butler also manages the Derek Butler Family Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Peter Urrutia is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Wells Fargo Clearing and Primerica Advisors. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Evan Press is a financial advisor with Equitable Advisors, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003 and previously worked with Axa Advisors. Outside of his advisory role, he serves as a volunteer tennis coach and holds leadership positions on the Chatsworth High School Site Council and PTSA, as well as serving on the board of Connextions, an organization focused on youth sports camps and wellness education. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutions, and charitable organizations. The firm’s approach involves matching clients to program models or discretionary managers, often utilizing third-party asset managers and advisory programs.

Juliette Benshaw is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Her spouse owns a business called Turtle Cloud, based in Woodland Hills, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs within its offerings.

Karen Kline is a Financial Consultant at Fidelity Investments, where she has been working since 2024. Prior to this role, she held positions as an Investment Consultant and Financial Representative at Fidelity Investments from 2021 to 2024. She also has experience as a Financial Market Analyst at ThetaRay from 2020 to 2021. Karen works with clients to understand their unique needs and create holistic financial plans. She assists clients with a range of investment experience, from those who have never invested to experienced self-directed investors, emphasizing the importance of long-term financial planning. She holds insurance licenses in Arkansas and California. Outside of work, Karen enjoys attending concerts, exploring culinary experiences, hiking, practicing Pilates and yoga, and traveling.