Ricardo Ramirez is a Series 66-licensed financial advisor with Merrill, based in Lakewood, CA. He has 19 years of industry experience, including 14 years at Bank of America and Merrill. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates its investment offerings with Bank of America’s broader platform, providing access to a wide array of products and services.

Daniel Pagilagan is a financial advisor with Wells Fargo Clearing in Compton, CA, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Daniel Osorio is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab in various roles since 2018, as well as at Fidelity Brokerage Services and Wells Fargo. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment options, and integrated custody and brokerage services.

Carmen Davison is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo Clearing in 2025, she worked at Bank of America and Merrill. Outside of finance, she is involved with House of Carmen, LLC, where she works as a designer, wholesale manufacturer, and consultant. 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 combines research from its own investment institute and third-party sources and offers a range of brokerage and advisory solutions.

Marc Myers is a financial advisor with Charles Schwab in Torrance, CA, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2010. Outside of financial advising, Myers works as a ski instructor at Mountain High Ski Resort, where he designs and implements individualized learning programs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated services, offering a combination of non-discretionary advice and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized supervision, custody, and a distinctive approach combining strategic asset allocation and alternative investment due diligence.

James Vogel is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and two years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and Parcion Private Wealth, among other roles. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s approach includes an ESG eligibility framework and offers a range of services delivered on a non-discretionary basis.

Bryan Casserly is a financial advisor with Cetera, holding a Series 66 credential and 22 years of industry experience. He has been with various entities under the Cetera umbrella since 2012, including Cetera Wealth Services, LLC, and Cetera ADVISORS LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, integrating affiliated and third-party managers across various program structures and custodians.

Reece Anderson is a financial advisor at Fidelity with one year of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at TSG Wealth Management and has diverse work experience including roles at Fitness 19 and Trader Joe's. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients through a combination of fundamental research and quantitative analysis, utilizing algorithmic portfolio construction and long-term asset allocation benchmarks.

Jacob Lowry is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and nine years of industry experience. He has been with various Cetera entities since 2019 and previously worked at Fisher Investments from 2016 to 2019. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers across multiple program structures.

Patrick Severo is a financial advisor at RBC Capital Markets with 39 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining RBC Capital Markets in 2008, he worked at City National Bank from 2017 to 2025. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering a range of advisory programs and tailored investment strategies implemented through both in-house and third-party managers.

Philip Kavesh is a financial advisor at LPL Financial with 39 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Kavesh is also the sole owner of the Law Firm of Kavesh, Minor & Otis, Inc., which specializes in tax and estate planning, and is involved with Ultimate Estate Planner, Inc., a company providing training and materials to estate planning professionals. 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 a range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, supported by model portfolios, third-party subadvisors, and various investment strategies.

Saeideh Mahinfar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 1999. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both non-discretionary and discretionary management, including unique offerings like insurance-related vehicles and bank deposit sweep programs.

Barbara Fleming is a financial advisor at Morgan Stanley with 38 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2009. Fleming currently works out of Long Beach, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling to assist clients, offering both direct individual plans and corporate financial planning agreements.

Blair Maley is a financial advisor at Morgan Stanley in Long Beach, CA, holding a Series 66 designation. Blair joined Morgan Stanley in 2025 and has prior experience in the hospitality and education sectors, including roles at Naples Rib Company and California State University Long Beach. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services supported by structured tools and research from its Global Investment Committee.

Yutaka Anegawa is a financial advisor at LPL Financial with five years of industry experience. He holds Series 63 and Series 66 licenses. In addition to his advisory role, he has operated AHTKY Insurance Agency, LLC since 2002, focusing on non-variable insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research support.

Conrad Badillo is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ivan Arzate is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan entities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Eric Schwartz is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Kinecta Financial & Insurance Services LLC and LPL Financial for 15 years. Schwartz is also employed at Kinecta Wealth Management. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria. The firm provides tailored, research-driven recommendations that incorporate tax-efficient strategies and asset management through a centralized consulting team.

Charles Scheel is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, he worked at Marist College and held various roles including positions at Mohonk Mountain House and Lowes. He has a background in education and customer service spanning several years. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base and maintains distinctive roles including advisory services to registered investment companies and development of model portfolios using systematic methodologies.

Steven Azer is a financial advisor with LPL Financial in Torrance, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. His prior roles include positions at BMO Harris Bank, Wells Fargo, and JPMorgan Chase. 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. The firm offers a wide range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management and providing access to model portfolios and research from multiple sources.