Charissa Spach is a Series 66-licensed financial advisor with Ameriprise in Calabasas, CA, and has 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of advising, she is a co-owner of R&J Pacific Management LLC, a business unrelated to investment activities. Ameriprise offers a retirement-income planning service focused on clients near or in retirement with substantial investable assets, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to tailor plans, primarily for assets held within Ameriprise-managed accounts.

Hakop Mavyan is a financial advisor with Mass Mutual Investors Services in Glendale, CA, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. His prior roles include positions at New York Life Insurance Company, Guardian Life Insurance Company, and Park Avenue Securities. Outside of his advisory work, he serves as an Audit Committee Commissioner for the City of Glendale and owns an insurance sales business, Merlin Financial Ltd. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using advanced analysis tools and offers specialized programs including estate and employer-sponsored planning.

Dorenda Sprague is a financial advisor with Primerica Advisors in Santa Clarita, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2017. Outside of financial advising, she is co-owner of AFD Entertainment, LLC and owner of 2SOL Productions, a television and film production company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Lucas Andraos is a financial advisor at LPL Financial with two years of industry experience. He previously held positions at California State University of Long Beach, Pasadena City College, Ralph's Grocery Company, and La Canada High School. He holds the Series 66 designation. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and utilizes model portfolios and research from multiple sources to support diversified investment strategies.

Scott Trulik is a financial advisor with Ameriprise Financial Services LLC in Glendale, CA, holding a Series 66 designation and 25 years of industry experience. He previously worked at LPL Financial, LLC for 22 years before joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, using a non-discretionary approach supported by proprietary research and third-party data.

David Park is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 35 years of industry experience. He has worked at Cetera since 2026 and previously held roles at OSAIC, Park Wealth Advisors, and FSC Securities Corporation. He is also involved with Park Wealth Advisors, where he provides insurance and variable annuity sales and consultation. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and employs a multi-manager platform with various program options.

Shelby Rothman is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Cambridge since 2011. Outside of her advisory role, Rothman is the owner of Enjoy Financial, a business entity based in Glendale, CA. Cambridge Investment Research Advisors serves a diverse client base including individuals of varying net worth, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, offering a range of portfolio management options and proprietary as well as third-party investment strategies.

Denisha Davis is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Intuit and Chase Bank. Outside of her advisory role, she owns Business Savvy 365, a company specializing in accounting and tax preparation services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Alec Hong is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior work history includes positions outside the financial services sector, and he has been engaged with LPL Enterprise since 2025. LPL Enterprise serves a diverse client base, including individuals, retirement plans, and institutional clients, offering financial planning, advisory, brokerage, and insurance products through an integrated platform that combines adviser programs with other financial services and third-party asset management.

Mary Lou Guray is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2015, also serving at Bank of America, N.A. since 2016. 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 and profit-sharing plans, corporations, and charitable organizations.

Rom Rabin is a Wealth Management Advisor at Merrill Lynch Wealth Management. He serves business owners and highly compensated executives, focusing on complex financial decisions and multifaceted planning needs. His professional mission centers on delivering clarity, discipline, and intentional planning at every stage of wealth creation for business owners, executives, and their families. With years of experience, Rom specializes in executive compensation strategies, retirement planning, tax-efficient wealth management, liquidity event planning, and business transition considerations. He provides personalized financial planning and disciplined investment management to help clients optimize their wealth and build long-term financial confidence. Rom fosters trust, transparency, and accountability in his advisory relationships by understanding each client's goals and providing ongoing support as circumstances evolve. Rom holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Non Accredited Certificate from the Open University of Israel. Outside of work, Rom engages in skiing and pickleball, reflecting his values of balance and resilience.

Albert Davidoo is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. His career includes roles at Avantax Insurance Services and his own accounting and tax preparation firm, Albert Davidoo and Company, which he has led since 2017. Outside of advisory work, he is the chairman and co-founder of the Assyrian Medical Society, a charitable organization providing medical care assistance in underserved areas. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and a nationwide network of more than 10,000 advisors.

Roshan Ghaznavi is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Prior to joining UBS in 2022, he worked at Bank of America and Merrill for over a decade each. Outside of his advisory role, he is a partner in a real estate investment business. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and diverse capital markets services.

Ardis Curtis is a financial advisor at Thrivent Investment Management with two years of industry experience. Curtis has worked at Thrivent in various capacities since 2023 and previously spent 13 years at T-Mobile. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based financial planning without discretionary trading authority, allowing clients to combine planning with managed-account services under consolidated billing.

Michael Berger is a financial advisor at Morgan Stanley with 45 years of industry experience. He has held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved modeling tools.

Stephen Lo is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities LLC since 2015. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Michael Resnik is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 26 years of industry experience. He previously worked at National Planning Corporation for 11 years before joining LPL Financial in 2017. Outside of his advisory role, Resnik is involved in tax preparation and accounting services as an agent for Dennis F. Rose & Associates and Rose, Figueroa & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning to support both discretionary and non-discretionary management.

Jeff Plyamm is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney, as well as Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he serves on the Simi Valley Executive Board of Neighborhood Council. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and proprietary tools, supported by investment research and scenario modeling.

Armand Simonyan is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Primerica, he was with PFS Investments Inc. for three years and was a student for thirteen years. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with approximately 3,698 advisors and $15.5 billion in assets under management, delivering advisory services through model recommendations created by unaffiliated asset managers.

Pravneet Nagra is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior experience at Wells Fargo Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.