Robert Beamer is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and five years of industry experience. His background includes roles at Thrivent Financial and UCLA, and he is currently engaged as a bilingual educator and teacher at institutions including Devereux Advanced Behavioral Health and California State University, Channel Islands. In addition to his advisory work, he has involvement in educational and nonprofit activities related to financial assistance and support. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers through both advisory and brokerage channels.

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 Certified Financial Planner (CFP®) with 29 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm offering 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 provides both brokerage and advisory solutions.

Jose Barrera is a Financial Advisor at Merrill Lynch Wealth Management. He collaborates with clients to understand their financial goals and develops strategies tailored to their unique needs. Jose focuses on areas including managing new wealth, socially responsible and ESG investing, sports and entertainment, and retirement income planning. He provides resources for investing, retirement planning, and saving for unexpected expenses, as well as access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jose maintains ongoing communication with clients to adjust strategies as their needs evolve. Jose holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a High School Diploma from Newbury Park High School and attended Moorpark College without obtaining a degree. Jose is proficient in English and Spanish. Outside of his professional role, Jose is involved with the community organization Friends of Fieldworkers. His personal interests include adventure sports, basketball, boxing, reading, skiing, and soccer.

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 36 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a silent partner in his spouse’s yoga instruction business, La Femme Boheme. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and risk tolerances.

Tercel West is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, and Favor Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios and research from multiple sources.

Christopher Goodenough is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Outside of his advisory role, he is involved with Konsulting by Kamerman, providing meeting preparation services for Ameriprise financial advisors. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to provide non-discretionary recommendations, emphasizing the use of Ameriprise managed accounts and algorithmic tools overseen by a Retirement Income Oversight Committee.

Cole Edwards is a financial advisor with Cetera in Valencia, CA, holding a Series 66 designation and two years of industry experience. He has previously worked with Avantax entities and maintains private consulting activities through his own firms, providing tax preparation, bookkeeping, and consulting services. Edwards also serves as an internal audit and financial advisory consultant at Protiviti Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, financial planning services, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Charlotte Lowe is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as the chapter head for The W Source, a women's networking group in Santa Barbara. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and research.

Michael Drews is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He previously worked at Avantax Advisory Services and related entities for 13 years. Outside of his advisory role, Drews owns and operates multiple tax and accounting firms where he provides tax preparation, bookkeeping, and investment advice. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Abigail Ryan is a Series 66 licensed financial advisor at J.P. Morgan Securities with 10 years of industry experience. She previously worked at Merrill for six years before joining J.P. Morgan in 2018. Outside of her advisory role, she owns rental property. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager searches, and customized performance reporting through a combination of quantitative modeling and centralized due diligence.

Henry Liang is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes positions at Wilmington Trust and Zen Private Wealth Advisors, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Lukas Richards is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Gelfand, Rennert & Feldman, Monarch Plan Advisors, and Cal State University Northridge, among other roles. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and emphasizes an advisory role in financial planning.

Megan Lermer is a financial advisor with UBS Financial Services, holding a Series 63 designation and bringing 27 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for two years and Stifel for eleven years. Outside of her advisory role, she has been involved in data entry work for a San Francisco-based company. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm operates with institutional trading capabilities alongside wealth management, offering services such as fee-based financial planning, portfolio management, and access to capital markets.

Chad Kruger is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by proprietary tools and analysis.

Patrick Batac is a Series 66 licensed financial advisor at J.P. Morgan Securities with three years of industry experience. He has worked at J.P. Morgan Securities LLC since 2023 and has been with JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and offers its services on a non-discretionary basis.

Noah Klein is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise since 2017. Prior to joining Ameriprise, he worked in marketing and advocacy roles at Tell That Story Creative Campaigning, American Solar Direct, and Revolution Field Strategies. 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 planning advice focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.