Zachariah Klippel is a financial advisor at Edward Jones in Marina Del Rey, CA, holding a Series 66 designation with 24 years of industry experience. His prior roles include positions at Citi Private Bank, Merrill Lynch, Bank of America NA, and Citicorp Investment Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and fiduciary advisory services, supported by a large network of financial advisors and branch offices nationwide.

Connie Horstkotte is a CFP® with 26 years of experience in the financial industry. She has worked at FSC Securities Corporation for 19 years before joining OSAIC in 2023. Horstkotte also operates a sole proprietorship providing financial advisory services focused on insurance product review and client consultation. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Osvaldo Sicairos is a financial advisor with Fidelity Investments in Whittier, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, and US Bank. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs, and engages in activities such as model portfolio delivery and advisory roles to multiple registered investment companies.

Joshua Mclawhorn is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he spent several years at the University of North Carolina at Chapel Hill in various roles. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction based on proprietary research and quantitative analysis.

John Koh is a CFP® with 24 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at BMO Bank N.A., LPL Financial, Bancwest Investment Services, and Bank of the West. J.P. Morgan Securities 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ravy Ly is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to that, he was involved with Cherri's Donut Plus from 2011 to 2019. J.P. Morgan Securities 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, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Joshua Betian is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has served in the United States Army since 2005. Outside of financial advising, he is a sole proprietor managing landlord responsibilities. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and corporate clients. The firm offers a range of investment advisory programs and maintains a large national network of financial advisors and branch offices.

Ryan Pulver is a financial advisor with RBC Capital Markets, holding a Series 66 designation and beginning his industry career in 2024. His background includes experience in the hospitality sector, with roles at Oceans Cafe & Grill and Venchi, as well as ongoing involvement with Starlight Anesthesia since 2022. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs with customizable portfolio management and integrated financial services.

Edward Wirtz is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding Series 63 and Series 66 designations and offering 32 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual since 2008. Outside of his advisory work, he is an owner of a corporation used for pass-through compensation and is involved in life and health insurance sales through an individual business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved analytical tools and offers ongoing collaborative planning without discretionary authority over client investments.

Branden Rubasky is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been with Cetera and its affiliate Cetera Wealth Services since 2013. Outside of advising, he works as a line training manager for United Airlines, assisting and checking pilots on the 737 aircraft. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, and institutional accounts, offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Luis Ortiz Marin is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank 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 institutional advisory operations with brokerage, distribution, and investment management capabilities to serve its clients.

Antonio Perez is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 licenses. His prior work includes roles at J.P. Morgan Securities and Paychex Inc. Outside of his advisory role, he provides baseball coaching and development advice to his son and his son's teammates. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, using model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Pao is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 credential and has worked at firms including Charles Schwab and TD Ameritrade. Pao is also the owner of Pao and Associates, an investment-related business in Hermosa Beach, CA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s advisory offerings incorporate proprietary research and third-party data within a framework that includes affiliated product options and disclosure of economic relationships.

Dean Woehrman is a financial advisor with LPL Financial in Long Beach, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Linsco Private Ledger since 2007. Outside of his advisory role, he is involved with Legacy Retirement Planning, a business focused on investment and non-variable insurance services. 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 financial planning and asset management services, utilizing various investment strategies and technology tools to support its large network of advisors.

Tejas Lolge is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at Capital Group and has a background that includes five years at the University of California, Riverside. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Richard Rozman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Its advisory process is IPS-driven and based on modern portfolio theory, serving plan objectives with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lea Wada is a financial advisor with Merrill in La Palma, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. She has worked at Merrill and Bank of America since 2019 and held positions at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA from 2015 to 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 plans, corporations, and charitable organizations.

Brent Kanitra is a financial advisor with LPL Financial, holding a Series 63 license and bringing 39 years of industry experience. He previously worked at RBC Securities, Inc., and has been with Linsco/Private Ledger Corp. since 2009. Kanitra also operates a business under the name Benchmark Wealth Management and is involved in outside insurance activities. 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 and institutional platforms, and supports its advisors with various investment tools and third-party management options.

Nicholas Zahn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at Cetera and its affiliates since 2018 and also serves as a registered representative and office manager at Zahn & Zahn, Inc., where he coordinates and implements office procedures. Cetera Investment Advisers LLC distributes services through a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients with a range of portfolio management and retirement plan services. The firm offers access to multiple program platforms and third-party money managers, managing over $256 billion in assets.

Vedran Kaluderovic is a financial advisor at Ameriprise with 18 years of industry experience. He holds the Series 66 designation and has worked with Ameriprise since 2013. Outside of his advisory role, he owns and manages several non-investment-related business operations, including a tax preparation firm and entities supporting practice management. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that incorporates detailed recommendation reports and ongoing tax-aware strategies for clients nearing or in retirement.