Dylan Watkins is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior work includes roles at Icon Agency and self-employment in related fields. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering tailored financial planning and portfolio management supported by proprietary research and capital market analysis.

Jennifer Atienza is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2013. Outside of her advisory role, she is involved in medical writing consulting through Fletcher Scientific LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client plans and Corporate Financial Planning agreements.

Mark Avner is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations to model potential outcomes.

Gina O'Callaghan is a financial advisor at LPL Financial with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo Clearing and Ventura County Credit Union. She is also involved with Simplicity Group, focusing on non-variable insurance activities. 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 asset management solutions through a large network of investment adviser representatives.

Adrian Sondhi is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations in its recommendations.

Areen Minasian is an Investment Consultant currently working at Fidelity Investments since 2024. She specializes in assisting clients with financial planning and investment decisions, focusing on developing strategies to meet various financial goals. Prior to her current role, Areen held positions as a Financial Solutions Advisor at Merrill Lynch from 2023 to 2024, Wealth Advisor Associate at First Republic Bank from 2022 to 2023, and Senior Preferred Banker Associate at First Republic Bank from 2019 to 2022. She holds a California Insurance License. Outside of her professional career, Areen enjoys activities such as hiking, soccer, tennis, traveling, attending social events with friends, and exploring culinary experiences.

Jorge Ragde Jr. is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of finance, he consults on manufacturing, product design, and quality control for several companies and serves as a board member and state advisor for youth shooting sports organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm‑approved tools and models, and manages approximately $2.74 trillion in client assets.

Derek Giacomazzi is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Equitable Advisors since 1999 and previously with AXA Advisors. Outside of his advisory role, he serves as a board member of CallOnJesus.com and is part of the Eternity Sports Advisory Team. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a variety of advisory models and third-party asset managers to tailor investment solutions based on client risk tolerance and objectives.

Miregi Huma is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. He has been with Merrill since 2012. Outside of his advisory role, he consults for a family-run firm, MSI, LLC, and is the owner and operator of Huma Hideaway Ranch, a lemon and avocado orchard in Moorpark, California, with plans to develop an event venue. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies developed by internal teams and third-party managers.

Lauro Braganza is a financial advisor at LPL Enterprise with 37 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior experience includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program, while also facilitating insurance product sales through affiliated entities.

Matthew Mcgraw is a financial advisor with OSAIC, holding a Series 66 designation and six years of industry experience. He previously worked at Securities America Advisors and SECURITIES AMERICA, inc. Mcgraw’s background also includes roles outside the advisory field, including time at Northern Arizona University and American Financial Network LLC. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm emphasizes model-based asset allocation and portfolio optimization supported by a range of tools and multi-affiliate arrangements.

Tanya Sanchez is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021. Prior to this, she was employed at Bank of America, N.A. and has experience in education with PUC Schools and the University of California, Santa Cruz. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Beamer is a financial advisor with LPL Enterprise holding a Series 66 designation and six years of industry experience. His prior roles include positions at Thrivent Financial and UCLA, and he currently holds teaching and administrative roles at California State University Channel Islands and Pepperdine University. Outside of financial advising, he is also active as an artist and musician and volunteers with UCLA Anderson and Kids and Families Together. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through its network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers financial planning, third-party asset management access, and insurance products through affiliated entities.

Raffi Kardzair is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he provides customized investment advice and financial services to high and ultra high-net-worth clients. Drawing from experience that began with UBS in 2007, Raffi joined Merrill Lynch in 2009 and has since focused on tailored wealth management solutions that consider clients’ risk tolerance, time horizons, liquidity needs, and overall investment goals. His areas of expertise include sound investment management, retirement and estate planning, real estate lending, and life insurance strategies. Before transitioning to financial services, Raffi served as a Senior Economist with the United Nations Development Program in Beirut, advising the Lebanese Treasury on international Eurobond issuance, debt, and public finance management. Concurrently, he lectured in Financial and Cost Accounting at Haigazian University. Raffi holds a Master’s degree in Money and Banking (now Financial Economics) from the American University of Beirut and a Bachelor’s degree in Business Administration from Haigazian University. He is a Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raffi is involved in several professional and community organizations, including Haigazian University Alumni USA, the Western Diocese of the Armenian Church, World Vision Armenia, and YMCA Glendale. He speaks Arabic, Armenian, and English. Outside of work, Raffi enjoys basketball, photography, traveling, and spending time with his family.

Matthew Roxbury is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and two years of industry experience. Prior to his advisory role, he co-owned ASSH Construction Inc., a small construction company specializing in Solatube skylight products, and works part-time as a bartender at Rattlers BBQ. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority.

Pamela Riet is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Prudential Equity Group, LLC from 2000 to 2003. 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 supported by research from Wells Fargo Investment Institute.

Luis Cuevas is an Investment Consultant at Fidelity, where he focuses on helping clients make informed decisions about their financial futures. He brings over ten years of industry experience and a thorough understanding of financial markets, investment strategies, and risk management to his role. Before joining Fidelity in 2024, Luis held several positions including Financial Solutions Advisor at Merrill Lynch and Merrill Financial Solutions Advisor from 2018 to 2024. He also worked as a Registered Associate at Morgan Stanley and a Registered Representative at Ameriprise Financial. Luis holds a California Insurance License. Outside of his professional work, Luis enjoys baseball, fishing, golf, music, outdoor adventures, and traveling.

Fredrick Levy is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as a board member at Deerlake Ranch HOA in Valencia, California. 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 IPS-driven process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Dominick Stillo II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Prudential Equity Group, LLC from 2001 to 2003. He is a silent partner in his spouse’s yoga instruction business. Wells Fargo Advisors is a large national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad client base, including individuals, corporations, and institutional organizations.

Tercel West is a Series 66 licensed financial advisor with eight years of industry experience. He is currently affiliated with LPL Financial and Partners Federal Credit Union and has previous experience at firms including Ameriprise, Edward Jones, and Favor Wealth Advisors. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.