Elton Villanueva is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked at PFS Investments Inc. since 2017 and has been affiliated with Primerica Financial Services since 2012. Outside of his advisory role, he is a self-employed notary and has experience in home security and automation product referrals. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies managed by third-party asset managers and offers discretionary separately managed accounts supported by custodial and trade execution services.

Fred Khalil is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining J.P. Morgan Securities in 2021, he worked at the Qatar Finance and Business Academy from 2015 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Deyanira Gutierrez is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan since 2013. Outside of her advisory role, she was involved with DJA Investment LLC DBA Ciao Pizzeria Bar from 2023 to 2024. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Anthony Akhverdyan is a financial advisor at Ameriprise with Series 66 credentials and two years of industry experience. His background includes roles at California State University, Northridge, and Berolina Bakery. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Anthony Velarde Jr. is a CFP®-certified financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Premier America Credit Union and LPL Financial. Velarde also operates Velarde Wealth Partners, a non-investment-related business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

Daniel Tauberg is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and is also involved with Tauberg Holdings, LLC as a general partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and centralized due diligence with an ESG eligibility framework.

Jill Kasen is a CFP® and ChFC® with over 40 years of experience in the financial services industry. She has been with Ameriprise since 2016, following prior roles at 1st Global Insurance Services and related entities. Outside of advising, she owns CentsSense.com, a consulting business. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm uses a centralized consulting team and combines research, modeling, and tax-efficient strategies to deliver tailored recommendation reports, emphasizing managed accounts and algorithmic support.

Jeannette Harris is a Financial Advisor at Merrill Lynch Wealth Management, where she works with individuals and families who have built meaningful wealth and seek clarity on their financial future. She focuses on providing thoughtful financial planning and investment guidance to help clients make informed decisions about retirement, tax-aware planning, and investing. Her areas of expertise include college education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Jeannette holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeannette earned an Executive MBA and a Master of Science in Finance from Saint Mary's College of California, and a Bachelor of Science in Business Administration with a concentration in Management from San Jose State University. She is also involved in the Junior League of Los Angeles. Outside of work, her interests include dancing, gardening, horseback riding, pickleball, reading, spending time with her family, and traveling.

John Herrera is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 16 years of industry experience. His career includes roles at JP Morgan Chase Bank, Wells Fargo, and CUSO Financial Services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and advisory services supported by a large nationwide network of independent advisors.

James Frew is a financial advisor with LPL Financial in Woodland Hills, CA, holding a Series 63 designation and over 40 years of industry experience. His prior roles include positions at Western International Securities, Inc. and Financial West Group. He is also involved in managing his own investment and non-investment business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management with access to model portfolios, third-party subadvisors, and advanced research capabilities.

Alexander Burum is a financial advisor with LPL Enterprise LLC, holding Series 65 and Series 63 designations and bringing eight years of industry experience. His prior roles include eight years at PlanMember Securities Corporation and over a decade of self-employment, including fixed insurance sales and caregiving. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management programs, and insurance products, delivering investment advice primarily through its network of investment adviser representatives.

David Belkin is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Western International Securities, Inc. and Financial West Group. Outside of his advisory role, he serves as CFO and business owner of a chemical company. 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 advisory programs and financial planning services with both discretionary and non-discretionary management options.

Hratch Agazaryan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high-net-worth individuals, retirees, business owners, and foundations, focusing on a comprehensive range of wealth management strategies. These include investment guidance and risk management, lending and liability management, retirement income planning, asset preservation, wealth transfer and tax minimization, as well as charitable and estate planning. With over 21 years of experience, Hratch brings a seasoned perspective as a qualified Portfolio Manager. He leverages the resources and services of a large investment firm to provide a customized approach tailored to each client’s financial objectives. Committed to lifelong learning, he holds multiple advanced professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), and Retirement Management Advisor® (RMA®). Hratch earned a Master’s degree with a concentration in finance and completes continuing professional education annually. Hratch resides in Glendale, California, with his wife Olga and their three children. Outside of his professional pursuits, he enjoys spending time with his family and engaging in activities such as yoga, cycling, golfing, skiing, and photography. He is fluent in Armenian, Russian, and English.

Juan Hoke is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and one year of industry experience. Before joining J.P. Morgan Securities in 2025, he worked at The Vanguard Group, Inc. and held positions in various companies including QuikTrip and Carvana. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Scott Hansen is a CFP® certified financial advisor with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank. Outside of his advisory role, he serves as a baseball umpire for Little League District 63 in Ventura, 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 management grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment menus, serving institutional clients with tailored solutions.

Steve Felsen is a financial advisor at Equitable Advisors with 12 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at Axa Advisors, Transamerica Financial Advisors, and World Financial Group. Outside of his advisory role, he teaches financial literacy to students through local recreation districts and a nonprofit organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to clients’ goals and risk tolerances.

Ivan Gonzalez is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and Series 65 licenses. He has 29 years of industry experience, including tenures at Cetera Advisors LLC and Investors Capital Corporation. Outside of his advisory role, he owns a financial services business that includes selling securities and fixed insurance products. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party investment options.

Oscar Alvarenga Menjivar is a financial advisor at Merrill with Series 66 and Series 63 designations and three years of industry experience. He has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory roles, he has experience working at Wilmington University and College of the Canyons. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Johnson is a financial advisor with LPL Enterprise holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Equitable Advisors, and AXA Advisors, LLC. From 2014 to 2018, he was associated with Laughing Buddha. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning and consulting, model wealth portfolio programs, third-party asset management, and access to various brokerage and insurance products via its integrated platform.

Bobbi Barbera is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Waddell & Reed, various insurance carriers, and involvement with Women In Insurance & Financial Services and Naifa. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.