Anthony Akhverdyan is a financial advisor at Ameriprise with Series 66 credentials and two years of industry experience. His background includes roles at California State University, Northridge, and Berolina Bakery. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Anthony Velarde Jr. is a CFP®-certified financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Premier America Credit Union and LPL Financial. Velarde also operates Velarde Wealth Partners, a non-investment-related business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

Jill Kasen is a CFP® and ChFC® with over 40 years of experience in the financial services industry. She has been with Ameriprise since 2016, following prior roles at 1st Global Insurance Services and related entities. Outside of advising, she owns CentsSense.com, a consulting business. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm uses a centralized consulting team and combines research, modeling, and tax-efficient strategies to deliver tailored recommendation reports, emphasizing managed accounts and algorithmic support.

Jeannette Harris is a Financial Advisor at Merrill Lynch Wealth Management, where she works with individuals and families who have built meaningful wealth and seek clarity on their financial future. She focuses on providing thoughtful financial planning and investment guidance to help clients make informed decisions about retirement, tax-aware planning, and investing. Her areas of expertise include college education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Jeannette holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeannette earned an Executive MBA and a Master of Science in Finance from Saint Mary's College of California, and a Bachelor of Science in Business Administration with a concentration in Management from San Jose State University. She is also involved in the Junior League of Los Angeles. Outside of work, her interests include dancing, gardening, horseback riding, pickleball, reading, spending time with her family, and traveling.

Kathleen Roshay is a financial advisor at Raymond James & Associates with 19 years of industry experience. She has worked at Raymond James since 2017 and previously was with D.A. Davidson & Co. from 2013 to 2017. She holds a Series 66 designation. Roshay co-owns and manages rental real estate properties with her daughter. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers comprehensive financial planning and advisory services utilizing various portfolio management styles and extensive affiliated research resources.

James Frew is a financial advisor with LPL Financial, holding a Series 63 designation and over 41 years of industry experience. His prior firms include Western International Securities and Financial West Group. He maintains involvement in small business entities related to investment and insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Alexander Burum is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. He previously worked at PlanMember Securities Corporation for eight years and has been self-employed since 2015. Outside of advising, he provides caregiving support to his father. LPL Enterprise serves a broad client base including individuals, high-net-worth investors, and institutional entities, offering financial planning, consulting, and access to third-party asset managers through model-driven portfolios and affiliated services such as insurance and trust custody.

David Belkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for nine years. Outside of his advisory role, he serves as CFO and business owner of Continental Chemical. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Hratch Agazaryan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high-net-worth individuals, retirees, business owners, and foundations, focusing on a comprehensive range of wealth management strategies. These include investment guidance and risk management, lending and liability management, retirement income planning, asset preservation, wealth transfer and tax minimization, as well as charitable and estate planning. With over 21 years of experience, Hratch brings a seasoned perspective as a qualified Portfolio Manager. He leverages the resources and services of a large investment firm to provide a customized approach tailored to each client’s financial objectives. Committed to lifelong learning, he holds multiple advanced professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), and Retirement Management Advisor® (RMA®). Hratch earned a Master’s degree with a concentration in finance and completes continuing professional education annually. Hratch resides in Glendale, California, with his wife Olga and their three children. Outside of his professional pursuits, he enjoys spending time with his family and engaging in activities such as yoga, cycling, golfing, skiing, and photography. He is fluent in Armenian, Russian, and English.

Juan Hoke is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at The Vanguard Group and in multiple other roles prior to joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation process and centralized due diligence to offer customized advice on approved funds and strategies.

Scott Hansen is a CFP®-certified financial advisor with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC, Wells Fargo Bank, and Banc of America Investment Services, Inc. Outside of his advisory work, Hansen serves as a Little League baseball umpire in Ventura, California. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Steve Felsen is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 12 years of industry experience. He has worked at Equitable Advisors since 2019, with prior roles at Axa Advisors, Transamerica Financial Advisors, and World Financial Group. Outside of his advisory work, he teaches financial literacy to students through local recreation and park districts and a nonprofit organization. Equitable Advisors serves individual and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions across various product types.

Oscar Alvarenga Menjivar is a financial advisor at Merrill with Series 66 and Series 63 designations and three years of industry experience. He has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory roles, he has experience working at Wilmington University and College of the Canyons. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Johnson is a financial advisor at LPL Enterprise with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Prudential Insurance Company of America, Pruco Securities, and Equitable Advisors. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Bobbi Barbera is a financial advisor at LPL Financial with 30 years of industry experience. She holds the Series 63 designation and has previously worked with Waddell & Reed, Inc., as well as multiple insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and various institutional platforms.

David Lazar is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has a background that includes over two decades at Avantax and his own accounting firm, Lazar and Company Certified Public Accountants, which provides tax preparation and accounting services. Outside of his advisory role, he serves as president of CPayroll, Inc. and holds board responsibilities for Guardians of RHD, where he manages financial recordkeeping and tax preparation. Cetera Investment Advisers LLC is an SEC-registered firm 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 delivered through a multi-manager platform that combines affiliated and third-party managers across various program structures and custodial relationships.

Aaron Werner is a financial advisor with Raymond James & Associates in Pasadena, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Raymond James & Associates since 2010. Outside of his advisory role, he serves as a co-trustee of an irrevocable life insurance trust for his in-laws. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Alexander Ary is a financial advisor with Wells Fargo Clearing in Thousand Oaks, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, EZ-NetTools, and Brigham Young University - Idaho. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Shirley Smith is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 31 years of industry experience. She has been with Merrill since 1987. Outside of her advisory role, she works part-time as a driver for Uber and HopSkipDrive, a transportation service for children. Merrill, along 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 clients, and institutions.

Martin Lee is a financial advisor with Wells Fargo Clearing in Burbank, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, using an IPS-driven approach grounded in modern portfolio theory. The firm offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations across a range of products, performance reporting, and participant education.