Philip Fried is a financial advisor with LPL Enterprise holding Series 65 and Series 63 credentials and 39 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 1987 before joining LPL Enterprise in 2024. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management arrangements, and a broad selection of brokerage and insurance products.

Michael Ramirez is a financial advisor with Ameriprise in Buena Park, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise since 2016, including his current role since 2020. His other business activities include fiduciary services and acting as a personal representative. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Jacob Kawahara is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and Asset Living: Younion. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and third-party sources.

Larry Aguayo is a financial advisor with Ameriprise in Huntington Beach, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Penney Gagne is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Suzanne Chai is a financial advisor with Fidelity Investments in Torrance, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include positions at Bank of America, Merrill, Waddell & Reed, and various insurance carriers. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, managing portfolios across mutual funds, ETFs, and ETPs with oversight and sub-adviser delegation.

Mark MacLachlan is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to implement investment strategies aimed at growing, protecting, and transferring their wealth. He has been with Fidelity Investments since 2013, progressing through several roles including Financial Representative Intern, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2020. His experience spans client relationship management and investment consulting. Mark holds a California Insurance License. Outside of his professional work, he has interests in fitness and traveling.

Dawn Strachan is a financial advisor at OSAIC with 25 years of industry experience and holds the Series 66 designation. She has worked previously with Woodbury Financial Services and Questar Asset Management. Outside her advisory role, she is a certified divorce financial analyst and serves as Treasurer for Collaborative Practice California, a statewide collaborative divorce organization. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios.

Eric Smutko is a financial advisor with Ameriprise in Simi Valley, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he is a co-owner of A-1G Skyraider, LLC. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports that incorporate tax-efficient strategies and Social Security analysis. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kevin Ta is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at JPMorgan Chase Bank, Merrill, Wells Fargo, and Bank of America/Merrill Lynch. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers non-discretionary services through select Wealth Advisors, offering customized investment solutions supported by its broader broker-dealer and banking organization.

Alex Ganapolsky is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to support portfolio construction, offering a range of services including non-discretionary consulting and discretionary Plan Level Investment Selection.

Stephen Meyers is a financial advisor with LPL Financial, based in Fountain Valley, CA. He holds Series 63 and Series 66 designations and has 37 years of industry experience, including 19 years at Linsco Private Ledger. Outside of advisory work, he is involved in a non-variable insurance business focusing on whole life, universal life, and term insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Ty Ospring is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC and Capital Resources since 2020. His background also includes roles at Costco and Compulocks Brands, as well as experience at Cal State Fullerton University. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs asset-allocation tools, risk-assessment questionnaires, and automated rebalancing to create diversified portfolios across various asset classes.

John Elliott is a financial advisor with J.P. Morgan Securities in Huntington Beach, CA, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Morgan Stanley for two years. Outside of finance, he has experience in the food service industry, including roles at Domino's Pizza and In-N-Out. 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. As a subsidiary of J.P. Morgan, the firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Kathleen Adams Brosterman is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding a Series 66 designation and 39 years of industry experience. She has worked with MML Investors Services, LLC and MassMutual Life Insurance Co since 1989. Additionally, she maintains a sales agent role in the health and long-term care insurance sector. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to develop investment strategies without discretionary authority.

Khoi Nguyen is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments in 2024 and as a Financial Advisor at Edward Jones from 2023 to 2024. His financial services career also includes positions at JPMorgan Chase & Co., Morgan Stanley, and Northwestern Mutual Insurance Company. Nguyen holds a California Insurance License. He focuses on developing strong relationships with clients, assisting them in aligning their finances with their personal goals to create tailored financial plans. His approach emphasizes prioritizing clients' needs, wants, and wishes to help them find confidence and balance in their financial journey. Outside of his professional life, Nguyen enjoys boating, family activities, fitness, food, hiking, and photography.

Seth Wensel is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. He previously worked at Citibank and TD Bank before joining Merrill in 2021. 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 strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Ruiz is a financial advisor at Fidelity with 26 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC, where Hector works, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds structures.

Jonathan Izquierdo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Wells Fargo, and positions in higher education. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Murphy is a financial advisor with OSAIC in Cypress, California, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. Prior to joining OSAIC in 2024, he worked with Linsco/Private Ledger Corp. He is a partner in the CPA firm Murphy, Murphy & Murphy and serves on the boards of several nonprofit organizations, including the Haynes Fund and Orange Catholic Foundation. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, and corporations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm uses asset-allocation tools and automated rebalancing to manage portfolios with a range of investment products and supports various third-party managed-account solutions.