Jorge Ragde Jr. 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. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of finance, he consults on manufacturing, product design, and quality control for several companies and serves as a board member and state advisor for youth shooting sports organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm‑approved tools and models, and manages approximately $2.74 trillion in client assets.

Derek Giacomazzi is a financial advisor with Equitable Advisors in Northridge, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he serves as a board member of Call On Jesus.com and is part of the Eternity Sports Advisory Team. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Jason Wolsefer is a financial advisor with UBS Financial Services in Pacific Palisades, CA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he manages an occasional vacation rental property in Lake Arrowhead, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Aaron White is a financial advisor with Wells Fargo Advisors, holding a Series 66 license and three years of industry experience. Prior to joining Wells Fargo Clearing Services in 2022, he worked at Musick, Peeler & Garrett LLP and served as an adjunct professor at Pepperdine University, where he teaches federal estate and gift taxation. He is also licensed to practice law in California and Michigan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports and entertainment planning, using Wells Fargo's research and tools to develop tailored client recommendations.

Miregi Huma is a financial advisor at Merrill with 22 years of industry experience, including 14 years at Merrill. He holds the Series 63 and Series 65 credentials. Outside of his advisory role, he is involved in a family-run consulting firm, MSI, LLC, and owns Huma Hideaway Ranch, an agricultural business focused on lemon and avocado production with plans to expand into event hosting. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations, with investment strategies implemented by Managed Account Advisors LLC and Merrill’s Chief Investment Office.

Matthew Mcgraw is a financial advisor at OSAIC with five years of industry experience and holds the Series 66 designation. He previously worked at Securities America Advisors and SECURITIES AMERICA, Inc. Mcgraw’s experience includes a variety of roles across different firms in the financial services sector. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing multiple platforms and third-party solutions to construct portfolios tailored to client risk tolerance and investment restrictions.

Daniel Davis is a Financial Consultant at Fidelity Investments, a position he has held since 2017. He assists clients and families in building and maintaining their wealth by developing and implementing comprehensive financial plans. Prior to his current role, Daniel worked as a Financial Planner at Ayco, a Goldman Sachs Company, from 2015 to 2017. He also has experience as a Tax Resolution Attorney at Omni Financial from 2014 to 2015 and as a Tax Accountant at KPMG (formerly Rothstein Kass & Co.) from 2007 to 2009. Daniel holds a California Insurance License and is a Certified Financial Planner. His approach to financial consulting is grounded in reliability, trust, and providing excellent customer service while fostering long-term relationships with clients.

Raffi Kardzair is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he provides customized investment advice and financial services to high and ultra high-net-worth clients. Drawing from experience that began with UBS in 2007, Raffi joined Merrill Lynch in 2009 and has since focused on tailored wealth management solutions that consider clients’ risk tolerance, time horizons, liquidity needs, and overall investment goals. His areas of expertise include sound investment management, retirement and estate planning, real estate lending, and life insurance strategies. Before transitioning to financial services, Raffi served as a Senior Economist with the United Nations Development Program in Beirut, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. Concurrently, he lectured in Financial and Cost Accounting at Haigazian University. Raffi holds a Master’s degree in Money and Banking (now Financial Economics) from the American University of Beirut and a Bachelor’s degree in Business Administration from Haigazian University. He is a Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raffi is involved in several professional and community organizations, including Haigazian University Alumni USA, the Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. He speaks Arabic, Armenian, and English. Outside of work, Raffi enjoys basketball, photography, traveling, and spending time with his family.

Pamela Riet is a CFP® professional with 28 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She previously worked at 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 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.

Jose Barrera is a Financial Advisor at Merrill Lynch Wealth Management. He collaborates with clients to understand their financial goals and develops strategies tailored to their unique needs. Jose focuses on areas including managing new wealth, socially responsible and ESG investing, sports and entertainment, and retirement income planning. He provides resources for investing, retirement planning, and saving for unexpected expenses, as well as access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jose maintains ongoing communication with clients to adjust strategies as their needs evolve. Jose holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a High School Diploma from Newbury Park High School and attended Moorpark College without obtaining a degree. Jose is proficient in English and Spanish. Outside of his professional role, Jose is involved with the community organization Friends of Fieldworkers. His personal interests include adventure sports, basketball, boxing, reading, skiing, and soccer.

Jackson Fogarty is a financial advisor at Raymond James & Associates with four years of industry experience. He holds a Series 66 designation and previously worked at AllianceBernstein and Calton & Associates. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with more than 5,400 advisors. The firm offers wealth advisory planning, investment consulting, and institutional consulting services to a broad client base, including individuals, high-net-worth clients, corporations, and government entities, delivering advice on a non-discretionary basis.

Fredrick Levy is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as a board member at Deerlake Ranch HOA in Valencia, California. 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 IPS-driven process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Dominick Stillo II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 36 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. Outside of his advisory role, he is a silent partner in his spouse’s yoga instruction business, La Femme Boheme. 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 IPS-driven approach incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and risk tolerances.

Christopher Goodenough is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Outside of his advisory role, he is involved with Konsulting by Kamerman, providing meeting preparation services for Ameriprise financial advisors. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to provide non-discretionary recommendations, emphasizing the use of Ameriprise managed accounts and algorithmic tools overseen by a Retirement Income Oversight Committee.

Charlotte Lowe is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as the chapter head for The W Source, a women's networking group in Santa Barbara. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and research.

Michael Drews is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He previously worked at Avantax Advisory Services and related entities for 13 years. Outside of his advisory role, Drews owns and operates multiple tax and accounting firms where he provides tax preparation, bookkeeping, and investment advice. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Henry Liang is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes positions at Wilmington Trust and Zen Private Wealth Advisors, 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 and offers both brokerage and advisory solutions.

Lukas Richards is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Gelfand, Rennert & Feldman, Monarch Plan Advisors, and Cal State University Northridge, among other roles. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and emphasizes an advisory role in financial planning.

Megan Lermer is a financial advisor with UBS Financial Services, holding a Series 63 designation and bringing 27 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for two years and Stifel for eleven years. Outside of her advisory role, she has been involved in data entry work for a San Francisco-based company. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm operates with institutional trading capabilities alongside wealth management, offering services such as fee-based financial planning, portfolio management, and access to capital markets.

David Dupre is a financial advisor with Primerica Advisors in Northridge, CA, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, offering a tiered wrap-fee structure and maintaining oversight of model selection and management.