Leticia Perkins is a financial advisor with Morgan Stanley in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked within Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning services supported by structured discovery conversations and advanced planning tools.

Adam Mizrahi is a Financial Consultant at Fidelity Investments, where he focuses on financial planning and capacity-building to assist families and individuals in developing effective financial plans. He employs a structured approach that involves understanding clients' current situations, analyzing their financial status, and presenting tailored ideas to help bridge the gap between their present and future goals. Adam began his career at Fidelity Investments as an Investment Solutions Representative in 2021, progressed to Investment Consultant in 2022, and assumed his current role in 2024. He holds a California Insurance License, supporting his professional qualifications in the financial advisory field. Outside of his professional responsibilities, Adam engages in activities such as biking, football, movies, running, scuba diving, and swimming.

Pearl Huang is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with 10 years of industry experience. Her prior experience includes roles at Wells Fargo Bank and Wells Fargo Clearing Services from 2019 to 2024, JPMorgan Chase in 2018-2019, and Bank of America from 2006 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services through various planning tools and strategies.

Jeffrey Taylor is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-based recommendations that incorporate tax-efficiency and probability modeling, focusing on assets managed within Ameriprise.

Joseph Azpeitia is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Pasadena, California. He works primarily with successful first-generation wealth creators, including business owners and high-income families, providing structured, planning-focused financial guidance aimed at preserving and managing their wealth over the long term. His expertise includes portfolio strategy, retirement planning, tax-efficient investing, cash-flow planning, and coordinating with clients' CPAs and attorneys on estate and legacy planning. Joseph focuses on helping clients navigate key financial decisions, emphasizing a methodical and disciplined approach to wealth management that supports transitions from wealth-building to stewardship. Joseph holds a Personal Investment Advisor (PIA) designation. He completed his high school education at Upland High School and attended Mt San Antonio College without obtaining a degree. Outside of his professional work, Joseph enjoys cooking, traveling, and spending time with his family.

Steven Sanchez is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 35 years of experience in the financial industry, focusing on a comprehensive approach to wealth management that begins with understanding each client's individual needs and goals. Steven works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term objectives. He provides access to investment insights from Merrill and banking solutions from Bank of America to address various aspects of clients' financial lives. Steven earned a Bachelor's Degree from the University of Southern California and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses areas such as college education planning, family wealth management, retirement income, portfolio management, tax minimization, and services for endowments, foundations, and non-profits. In keeping with Merrill's tradition of community involvement, Steven dedicates time to volunteering with local organizations. Outside of work, his personal interests include football, golfing, ice hockey, surfing, swimming, and volleyball.

Oliver Alvarado Algarate is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Deluxe Media and The Cheesecake Factory. 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 individuals, high-net-worth clients, and institutional investors.

Juby Wang is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley since 2017, including a four-year period with Morgan Stanley Private Bank, N.A., as well as a year at UBS Financial Services. Outside of his advisory role, he is also a sole proprietor involved in property management. 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’s approach includes structured planning tools and scenario modeling without offering individual security recommendations within standalone plans.

Gavin Lee is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He has worked at Raymond James since 2019 and previously spent 15 years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved with Arroyo Capital Partners as an owner and dedicates significant time to this support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling, and supports specialized areas such as municipal finance and SIMPLE IRA advisory services.

William Barney is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. He serves as a member of the New York Stock Exchange Panels of Hearing Board and volunteers on the NYSE's Acceptability Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and analysis from its Global Investment Committee.

Eric Kozman is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and four years of industry experience. His prior firms include Stifel Financial, LPL Financial, and Northwest Bank. Charles Schwab serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

Lily Kam is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo firms since 2015. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets.

Judith Lind is a financial advisor with Primerica Advisors in Pasadena, CA, holding Series 63 and Series 65 licenses and having 23 years of industry experience. She has worked with Pfs Investments Inc and Primerica Financial Services since 2002. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and custodian services, operating under a tiered wrap-fee structure.

Canaan Knigge is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 designations and previously worked in engineering consulting roles at firms including Kimley-Horn and Advanced Engineering & Environmental Services. Outside of advising, he serves as an engineering consultant and civil analyst. Primerica Advisors is a large firm that provides 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 uses model-based strategies managed by third-party asset managers and supports trade execution and custody through Pershing.

Willow Lau is a Series 66-licensed financial advisor with Morgan Stanley in Pasadena, CA, with three years of industry experience. Prior to joining Morgan Stanley’s Wealth Management division in 2022, she worked for Morgan Stanley Bank Asia Limited from 2015 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and quantitative models to assist clients in developing financial plans.

Austin Heberger Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He worked at Wells Fargo Advisors LLC from 2003 to 2019 before joining Raymond James in 2019. He is also a partner at Arroyo Capital Partners, a financial advisory business based in Pasadena, CA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using advanced risk and outcome modeling, and supports its clients through a broad network with specialized services including municipal advisory and SIMPLE IRA employer consulting programs.

Kimberly Rico is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 credential. She has worked at Merrill since 2009 and has also been associated with Bank of America since 1993. Outside of her advisory role, she serves as a co-trustee of The B Family Trust. 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 clients including individuals, high-net-worth investors, and institutions.

Jonathan Dardashti is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His career includes roles at Bank of America, N.A. since 2018 and Axa Advisors, LLC in 2018. He also worked at California State University, Northridge from 2015 to 2017. 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, and institutional investors using model-based and discretionary strategies developed by internal and third-party managers.

Tiffney Chang is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Bank of the West and Bancwest Investment Services, Inc. since 2013. 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 with access to model portfolios, research, and various investment strategies.

Mark Hammond is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Hammond is also a self-employed musician. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a range of investment options such as money market funds, collective investment trusts, mutual funds, and group annuity contracts.