Charles Curtin is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with OSAIC since 2023 and has served at Sagepoint Financial, Inc. since 2009. In addition to his advisory roles, he operates Curtin Wealth Management, a sole proprietorship focused on insurance-related products including fixed annuities and life and long-term care insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage and investment advisory services. The firm employs various tools and third-party solutions to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Oscar Murillo Cabrera is a CFP® professional with three years of industry experience. He is currently with Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, having joined in 2025. His prior experience includes roles at Fidelity Investments and Paul Cashman State Farm. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by a multi-asset model portfolio approach.

Michael Bernardo is a financial advisor with LPL Financial in Calabasas, CA, holding Series 63 and Series 66 licenses and with 30 years of industry experience. He has worked at LPL Financial since 2018 and has been associated with Logix Federal Credit Union since 2000. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors.

Jeannette Comulada is a financial advisor with Primerica Advisors in Woodland Hills, CA, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. She has worked at PFS Investments Inc. since 2009 and has been with Primerica Financial Services since 2007. Outside of advisory services, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm utilizes third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap-fee structure.

Jason Barba is a financial advisor with LPL Financial in Burbank, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2025, he worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2021 to 2024, and Equitable Advisors from 2019 to 2021. Outside of his advisory role, he has been employed at Taco Bell since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options through a large network of advisors, emphasizing customizable strategies supported by research and technology.

Steve Lee is a financial advisor with Cetera based in Pasadena, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at East West Bank, Citigroup, JP Morgan Chase Bank, U.S. Bancorp Investments, and Bank of the West. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management solutions, including discretionary and non-discretionary strategies, model portfolios, and access to third-party money managers.

Emil Babayans is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following his work with Axa Advisors. He is involved in an outside fixed business under the DBA Emil Babayans and Associates. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a combination of in-house and third-party programs.

David Weible is a CFP® professional affiliated with LPL Financial, with 37 years of industry experience. He has been associated with LPL Financial since 1998 and founded Envision Wealth Management, Inc., where he has worked for 24 years. His background includes non-variable insurance activities connected to his independent wealth management work. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies, supported by technology tools for operational and research purposes.

Joshua Saber is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked with multiple firms including Avantax and David J. Fender & Associates Inc. In addition to his advisory role, he is the CEO of Saber CPAs Inc., where he manages tax preparation, compilations, and business planning. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supporting both discretionary and non-discretionary account structures.

Nicolette Kaldi is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has five years of industry experience and previously worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, she is involved in direct sales for a cosmetics company, creating content and customizing makeup palettes. LPL Enterprise provides advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Duc Tran is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise and its affiliated entities since 2012. Tran serves as secretary on the board of directors for the Arrow Heights Homeowners Association. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Nicholas Green is a financial advisor with OSAIC based in Santa Clarita, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining OSAIC in 2023, he worked at Royal Alliance Associates and Sii. He is also the owner of Green Tax & Financial, a sole proprietorship providing both tax preparation and insurance sales related to fixed annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm combines brokerage and investment advisory services with financial planning and utilizes a range of tools and third-party solutions to construct and manage portfolios.

Antoine Abi Nader is a financial advisor with LPL Financial, holding a Series 66 designation and over 22 years of industry experience. His prior roles include positions at Western International Securities, J.P. Morgan Securities, Chase Investment Services, Wamu Investments, and Wells Fargo Investments. He is also the owner of a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, model portfolio programs, third-party asset management, and institutional platforms for individuals, retirement plan participants, banks, and trust companies. The firm supports a large network of over 22,800 advisors and manages more than $819 billion in discretionary assets.

Pheap Chev is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services, LLC since 2021, with prior experience at TD Ameritrade from 2016 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator while advising multiple registered investment companies.

Sean Hetherington is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials. He has recently transitioned into the financial industry with experience beginning in 2025. Prior to his current role, he was involved in media and creative ventures, including founding Sean Hetherington Creative, Inc. and working with MGM - Evolution Media and Glitter & Sparkles Media. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary advisory relationships and discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment due diligence, and a highly integrated client service model.

John Marshall is a financial advisor at OSAIC with 29 years of industry experience. He held a long tenure at Lincoln Financial Advisors Corporation before joining OSAIC in 2025. In addition to his advisory role, he owns and operates an insurance agency offering various life and health insurance products and is involved in managing legal entities related to his business interests. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services. The firm employs asset-allocation tools and risk-tolerance analyses to construct diversified portfolios across multiple asset classes, managing accounts on both discretionary and non-discretionary bases.

Joy Brannan is a CFP®-certified financial advisor with Edward Jones, based in Northridge, CA, and has 30 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

John Ta is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Prior to this, he worked with Ameriprise Financial Services, Inc. for 10 years. Outside of his advisory role, he is a co-owner of RGAA, LLC, which supports his practice operations, and he also works as an advisor for Insperity PEO Services, LP. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets and offers a range of advisory, brokerage, and insurance solutions through its affiliated entities. The firm employs a centralized consulting team that delivers detailed, algorithm-supported retirement income recommendations tailored to clients’ needs.

Trevor Cole is a financial advisor at Cetera with 23 years of industry experience. He holds the CFP® and Series 66 designations and has worked with several firms, including Cetera Wealth Services, CTA Wealth Advisors, and Cameron Thornton Associates. Cole is also an investment advisory representative at CTA Wealth Advisors, where he provides financial planning and asset management services. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, blending discretionary and non-discretionary authorities across multiple program structures.

James Spach is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 credential and has been with Ameriprise since 2006, including a prior year at Financial West Group. Outside of advising, he owns a tax preparation service and co-owns a management business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which combines written Recommendations and ongoing annual advice focused on income stability and tax-aware withdrawal strategies.