Richard Gilliland Jr. is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with LPL Financial, where he has worked since 2025, following a 26-year tenure at Western International Securities, Inc. Outside of his advisory role, he is also a licensed non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker‑dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options, supported by extensive research and a variety of investment strategies.

Chase Johnson is a financial advisor with Ameriprise in Los Angeles, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked with Pacific Crest Consultants and has a background that includes roles outside finance, such as co-owning a personal driver business and working as an Uber driver. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that utilizes a centralized team to provide non-discretionary, tax-aware recommendations focused on dependable income sources.

Steven Lott is a financial advisor with Merrill in Torrance, CA. He holds a Series 66 designation and has five years of industry experience. His background includes roles at Bank of America, N.A., where he has worked since 2019, as well as a brief position at Anda's Wellness in 2019. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Olmos is a CFP® with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he acts as co-trustee of his father's trust. 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 incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Justin Perez is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His work history includes roles at multiple Cetera entities since 2023 and earlier experience with Jeanne Gibson and other firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary strategies.

Sandy Hernandez is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2017. Prior to that, she worked at Merrill from 2014 to 2017. Outside of her advisory role, she is employed as an operations associate in retail at Crate & Barrel in Seal Beach, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Stephen Sullaway is a financial advisor at Wells Fargo Advisors in Long Beach, CA, holding Series 63 and Series 65 licenses with 46 years of industry experience. He has worked within various Wells Fargo entities since 2009. He also serves as co-trustee for a family trust. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and specialized services. Advisors use Wells Fargo research and tools to develop tailored recommendations, with clients choosing how to implement them.

Ernest Cho is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank and JP Morgan Securities LLC. Cho has been with Morgan Stanley since 2022. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research-driven estimates in its financial planning process.

Phillip Lavalle is a CFP® with 32 years of industry experience, currently affiliated with Raymond James Financial in El Segundo, CA. He has been associated with Raymond James Financial Services Advisors, Inc. and related entities since 2016. Lavalle is also the owner of Reliant Wealth Solutions INC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs for municipal finance and SIMPLE IRA employer advisory services.

Soonhee Cho is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2025, Cho worked at H. Beck, Inc. for 12 years and has been involved with Grove Point Investments and Grove Point Advisors since 2021. Outside of advisory work, Cho serves as president of an insurance sales business focused on United Healthcare products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Patrick Lane is a CFP®-certified financial advisor with Edward Jones, based in Long Beach, CA, with 17 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory work, Lane owns a rental property business. Edward Jones is a full-service wealth management firm serving a broad client base that includes individual and institutional investors. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Adam Zahn is a Senior Financial Advisor with the Zahn-Morris Team at Merrill Lynch Wealth Management. He focuses on asset allocation, values-based wealth management planning, and portfolio construction. Adam brings over a decade of experience in the financial services industry, having joined Merrill in 2019. Prior to his career in finance, he played professional basketball internationally and began his financial career in Real Estate Finance, specializing in lending solutions for real estate investors and homeowners. Adam holds a Bachelor of Arts degree in Political Science with a minor in Business Administration from the University of Oregon. He has expertise in corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, socially responsible and ESG investing, sports and entertainment, and tax minimization. Residing in Palos Verdes, California, Adam and his brother run a youth club basketball program. He is also involved in his community as a youth basketball coach. Adam holds the Personal Investment Advisor (PIA) professional designation.

Myriam Padilla is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with Raymond James Financial Services Advisors since 2009 and was a 50% owner of Padilla & Hofland Financial Services from 2009 to 2020. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and uses analytical tools such as probability modeling, supporting its clients through advisory programs and other providers.

Calyssa Frankel is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley entities and at Paolucci Salling and Martin. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Jacob Dax is a financial advisor with Ameriprise in Manhattan Beach, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Dallas Skyline Juniors Volleyball. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement recommendations in partnership with clients’ financial advisors.

John Acker is a financial advisor at UBS Financial Services in Manhattan Beach, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at UBS since 2006. Outside of his advisory role, Acker is co-president of the board for the Los Angeles Retarded Citizens Foundation, a nonprofit residence serving approximately 100 mentally challenged individuals, and he will serve as president of the Manhattan Beach Rotary Club from June 2024 to May 2025. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances.

Christopher Cataldi is a financial advisor with Ameriprise in Redondo Beach, CA, holding a Series 66 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in independent insurance brokering with Metropolitan Life. Ameriprise serves clients primarily through its retirement-income planning service designed for individuals with significant investable assets, offering tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to deliver these services, emphasizing managed accounts and algorithmic recommendation processes.

Elizabeth Corder is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has prior work history with First Republic Investment Management, Wells Fargo, and legal positions at Venable LLP and Duane Morris LLP. Corder is also a licensed attorney in California and Pennsylvania, maintaining her law licenses alongside her advisory role. 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 applies an ESG eligibility framework when making recommendations.

Matthew Kim is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2008. He has been with Fidelity for over 20 years, working in various capacities including Financial Consultant, Investment Representative, and Financial Representative since 2000. Throughout his career, Matthew has assisted clients and families in creating wealth plans and implementing investment strategies tailored to their unique financial goals. Matthew holds a California Insurance License which supports his ability to provide comprehensive financial advice. His long tenure at Fidelity Investments reflects his commitment to financial consulting and client service.

Patricia Delk is a CFP® with 41 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2008. She is based in Manhattan Beach, CA, and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is the passive owner of a local bar and grill in Manhattan Beach. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to individual risk profiles.