Karen Roberts is a financial advisor with Edward Jones in Santa Clarita, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds.

Scott Michalek is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory work, he maintains a corporation for tax purposes but does not engage in business activities outside of LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios and research from multiple sources.

Nina Decheva is a financial advisor with Ameriprise in Calabasas, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Stopanska Banka AD Skopje, Euronews, and Deloitte, as well as academic involvement with EDHEC Business School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Eric Sheffron is a CFP® professional with 25 years of experience in the financial industry. He is currently with Wells Fargo Clearing, where he has worked since 2022, following an 11-year tenure at U.S. Bancorp Investments, Inc. located in Encino, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, tailoring services to plan objectives, demographics, and risk tolerances while acting as an ERISA fiduciary when providing investment advice.

Esteban Gonzalez is a Series 66 licensed financial advisor with Edward Jones in Valencia, CA, where he has worked since 2006. He has 21 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies.

Michael Sutherland is a CFP®-designated financial advisor with 23 years of industry experience. He has worked at LPL Financial since 2017 and previously spent 15 years with National Planning Corporation. Outside of his advisory role, he serves as trustee and power of attorney for the Sutherland Family Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Richard Bertain Jr. is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds the CFP® and ChFC® designations, as well as Series 63 and Series 65 licenses. Prior to joining Wells Fargo Advisors in 2023, he spent 15 years with UBS Financial Services Inc. Outside of his advisory work, he owns and operates a classic car restoration and trading business. 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 tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and planning tools to develop customized recommendations.

Lisa Morrow is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 12 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services that use firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Leticia Meza Guerrero is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at LPL Financial since 2018. Prior to that, she was affiliated with LOGIX Federal Credit Union, INVEST Financial Corp, Glendale Securities Inc, and Mundial Financial Group, LLC. 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, various advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

Alan Krone is a CFP® with nine years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior firms include AXA-Advisors, LLC, LPL Financial, and The Wealth Consulting Group. Outside of his advisory work, he also works as a freelance softball umpire in Southern California. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through its Institutional Consulting Services program. The firm employs a quantitative asset‑allocation approach combined with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Armand Fraidany is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has previously worked at Thrivent Financial and Thrivent Investment Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

John Ullen is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves as a Successor Trustee in West Hills, California. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, combining tailored financial planning with a variety of investment services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Michelle Elliot is a financial advisor at LPL Financial with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2018, following an 11-year tenure at INVEST Financial Corp. Additionally, she has been affiliated with Logix Federal Credit Union since 1992. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 both discretionary and non-discretionary management supported by in-house and third-party research.

Mikhail Hess is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding a Series 66 credential and 19 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers access to various investment products through its extensive institutional and retail platforms.

Chien Chen Huang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, Huang worked at East West Bank and has been associated with Primerica Financial Services and 99 Ranch Market. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-driven strategies and select separately managed accounts for individual and high-net-worth clients, primarily structured as a wrap-fee solution rather than institutional plan management.

Kathryn Lynch is a financial advisor at LPL Financial with two years of industry experience. She holds a Series 66 designation and has worked previously at Logix Federal Credit Union, Chase Bank, and Spirit Airlines. Kathryn is also involved with Logix Financial Services, a business related to her LPL activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Roberto Garcia Leon is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes positions at Bank of America, Chase Bank, Spectrum, and several colleges in the Los Angeles area. 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 a range of individual and institutional clients.

Courtney Demars is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2006, with a recent affiliation at Bank of America, N.A. starting in 2025. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Hua Jien Ting is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has previously worked at Merrill, UBS Financial Services, and Edward Jones. Hua is based in Woodland Hills, CA. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and research from LPL and third-party subadvisors.

Ronald Mann is a financial advisor with Edward Jones in Granada Hills, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.