Michael Veyette is a financial advisor with Osaic Wealth, Inc. in Los Alamitos, CA, holding Series 63 and 66 licenses and 26 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining Osaic Wealth in 2017. Outside of his advisory role, he is also licensed as an insurance agent, selling life insurance, long-term care, and disability products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with access to multiple platforms, third-party money managers, and utilizes asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Albert Aiad is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 10 years of industry experience. He has worked at Wells Fargo Clearing and affiliated entities since 2016 and owns a music publishing business, High Society, based in Brentwood, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Edgar Galicia is a Series 66–licensed financial advisor with 17 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent five years with J.P. Morgan Securities. 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, utilizing research and analytics to evaluate investment options based on diversification and modern portfolio theory.

Dylan Nobuhara is a Series 66 licensed advisor at J.P. Morgan Securities with two years of industry experience. His prior roles include positions at MassMutual Life Insurance Co and MML Investors Services, LLC. He is based in Manhattan Beach, California. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and offers access to a broad range of products through its affiliation with J.P. Morgan’s broader broker-dealer and banking organization.

Ruben Ramirez Jr. is a financial advisor with Merrill in Cerritos, CA, holding a Series 66 designation and six years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2010. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Roy Park is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Citibank, and Prime Equity Management. 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 individuals, high-net-worth clients, and institutional investors.

Kim Richardson is a financial advisor with OSAIC based in Hermosa Beach, CA. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Her prior work history includes roles at Advisor Group since 2014 and Cetera Advisors Networks and Cetera Financial Group since 2011. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a variety of investment options and utilizes asset-allocation tools and automated rebalancing to manage portfolios on both discretionary and non-discretionary bases.

Stuart Tsujimoto is a financial advisor at Cetera with 58 years of industry experience. He holds the CFP® designation and Series 63 license. His prior roles include work at Cetera Wealth Services, APS Planning Service, Inc., and his own firm, Stsujitmoto, LLC. Outside of financial advising, he is involved in horse racing and breeding as the owner of Stsujitmoto, LLC. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.

Robert Kulczycki is currently an Investment Consultant at Fidelity Investments, a position he has held since 2024. In his role, he partners with clients to identify their financial goals, explore investment options, and implement strategies to support their future planning. Prior to this, Robert worked as a Financial Advisor at LPL Financial from 2023 to 2024 and served as an Internal Wholesaler at First Trust Portfolios from 2018 to 2023. Robert holds a California Insurance License, which supports his professional activities in the financial services industry. Outside of his professional work, he has interests in football, social events with friends, hiking, music, and reading.

Kirk Hunter is a financial advisor with LPL Financial in Los Alamitos, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera, Avantax Advisory Services, and Avantax Investment Services. Outside of his advisory work, he operates Williams Tax & Financial Services, providing accounting and bookkeeping support. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research services, and various technology-driven strategies.

Charles Salfity is a financial advisor with LPL Financial in El Segundo, CA, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has been with LPL Financial since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, supported by research and model portfolios from LPL Research and third-party subadvisors.

Emily Perry is a financial advisor with Wells Fargo Advisors in Rolling Hills Estates, CA, holding a Series 66 designation and 20 years of industry experience. Her prior experience includes eight years at Merrill before joining Wells Fargo Advisors in 2017. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning offerings tailored to clients who meet specific net-worth criteria.

Rita Moreno is a financial advisor at Merrill with 21 years at the firm and 11 years of industry experience. She holds a Series 66 designation and works in Seal Beach, CA. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Violeta Mollova is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and seven years of industry experience. Her work history includes roles at UBS Financial Services, Evoke Advisors, Sifel, Nicholaus & Company, JPMorgan Chase Bank, J.P. Morgan Securities, and Citibank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor plans. The firm provides a broad range of services including discretionary portfolio management, financial planning, and capital markets activities alongside wealth management.

Jake Orr is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise and the University of Oklahoma in various roles. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.

Kristy Hernandez is a financial advisor at Morgan Stanley with 12 years of experience in the industry. She holds a Series 66 designation and previously worked at RBC Capital Markets for nine years before joining Morgan Stanley in 2024. Outside of her advisory role, she is involved in photography as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Ivan Kan is a financial advisor with Ameriprise in El Segundo, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise since 2006 across its affiliated entities. Outside of his advisory role, he owns and manages tax preparation and financial planning businesses, including Kan & Associates and Sentry Tax Advisory Group. 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, combining proprietary research, algorithmic tools, and collaborative implementation with clients and their advisors.

Min Choi is a financial advisor at J.P. Morgan Securities with three years of industry experience. They hold Series 63 and Series 66 licenses and have prior work experience spanning financial services and retail, including roles at JPMC BANK NA and Amazon Prime, as well as involvement in small business ventures like Yuzen Japanese Restaurant and KYK Sales. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers a broad range of investment products through its affiliations within the J.P. Morgan organization.

Essie Bonney is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2024, she worked at Sanford C. Bernstein & Co., LLC and Capital Group – American Funds Distributors, Inc. Outside of her advisory role, Bonney is involved in social media content creation and talent representation through a model and talent agency. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models to support financial planning, while acting primarily in an advisory capacity.

Rahamin Suares is a CFP® professional with 44 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing spanning from 2009 to 2021. Suares operates under Pacific Coast Capital Management as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services through a nationwide network of investment adviser representatives.