Garrett Tognozzi is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and possessing 14 years of industry experience. He has worked at JP Morgan Chase Bank and J.P. Morgan Securities since 2019 and previously held positions at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Joseph Wingard is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, where he has worked since 1997. He leads The Wingard Group, a wealth advisory team based in the Beverly Hills office, providing personalized family wealth planning and management services to affluent individuals, families, and corporate clients. His work focuses on advanced strategies including asset and liability management, tax minimization, income and asset preservation, and generational transfers. Prior to joining Merrill Lynch, Joseph was an operating executive for a Fortune 100 information technology company and served on the graduate faculty of three universities. He holds a Bachelor’s degree, Master’s degree, MBA, and PhD from UCLA, where he graduated magna cum laude and was inducted into Phi Beta Kappa. Joseph has held leadership roles in professional organizations such as the Association for Corporate Growth and UCLA Bruin Professionals. Joseph’s client focus areas include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Outside of work, he enjoys baseball, basketball, football, skiing, soccer, spending time with his family, and traveling.

Noah Francis is a financial advisor with J.P. Morgan Securities in Los Angeles, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with J.P. Morgan Securities since 2018 and previously worked at J.P. Morgan Chase & Co. from 2016 to 2018. Outside of his advisory role, Francis serves on the boards of Private School Axis, a nonprofit focused on increasing access to independent schools for underserved students of color, and Center Theatre Group, a major arts and culture organization in Los Angeles. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework when recommending investments.

Jeremy Decuir is a financial advisor at Merrill with 12 years of industry experience, holding a Series 66 credential. He has worked at Merrill since 2014 and concurrently at Bank of America, N.A. since 2015. Outside of his advisory role, he is an owner of a family trust. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Hernandez is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Prudential Insurance Company of America, Pruco Securities LLC, and Equitable Advisors. Hernandez serves on both the nonprofit and for-profit boards of the LGBTQ Attorneys and Allies Bar Association. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products.

Michael Burt is a CFP® professional with 14 years of experience in the financial industry. He is currently with Morgan Stanley and has held previous roles at City National Bank, Bank of America, and Merrill. Burt’s career includes experience across private banking and wealth management. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling techniques in its advisory process.

Jungmin Yu is a financial advisor at Merrill with 28 years of industry experience. Yu holds a Series 66 designation and has worked at Merrill since 1996 as well as Bank of America, N.A. since 2011. Outside of advising, Yu is a general partner and managing member of a real estate holding entity. 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Bob Kaye is a financial advisor at Osaic with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America, Inc. and Securities America Advisors, Inc. Kaye is also an author, having written a book on retirement planning titled *Enough Money to Live On: Making Smarter and Simpler Decisions for Stress-free Retirement*. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage, advisory, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to build portfolios that can include various asset classes managed on discretionary or non-discretionary bases.

Andrea Roschke is a financial advisor with Ameriprise in Agoura Hills, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Ameriprise since 2011 and was previously a partner at SingerLewak LLP, a large CPA firm, where she was involved in tax preparation. Roschke also serves as a trustee in fiduciary activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering personalized recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to support its clients’ retirement planning needs.

Robert Stone is a Series 66 licensed financial advisor at Morgan Stanley with three years of industry experience. His prior roles include positions at UBS Financial Services and NewEdge Securities, as well as independent consulting. Outside of advisory work, he serves as a board member and partner at Tao Entertainment Inc. and is a partner at Caffarel American LLC, an automotive and manufacturing business. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Gee Na Park is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. She holds the Series 66 designation and has been in the industry since 2025. Prior to joining Mass Mutual, she worked at G & C Lifestory Inc, Mediclo Inc, and SCC Education Inc. She also holds an outside insurance sales position as a broker focused on life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and strategies to develop written recommendations tailored to client goals.

Thomas Martinez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at Robert W Baird & Co and various J.P. Morgan affiliates since 2019. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Glenn Jaffe is a financial advisor with Wells Fargo Advisors in Beverly Hills, CA, holding Series 63 and Series 65 licenses and with 38 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2009. Jaffe serves as a board member for Children of the Night, advising the treasurer on investment matters for the nonprofit focused on educating victims of sex trafficking. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad menu of planning solutions that address various client needs, including retirement, education, risk management, and specialized areas such as business-owner transition and special-needs planning.

Maria Ferrante is a financial advisor at UBS Financial Services in Los Angeles, CA, holding a Series 66 designation and with 23 years of industry experience. She has been with UBS since 2015. Ferrante serves on the board of directors for the Haven Academy of the Arts, where she also acts as an unpaid advisory CFO. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Elaheh Rivandi is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, she worked at Bank of America, N.A., and has experience with Hamgam Production Group and Azad University. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Melanie Sepanian is currently a Planning Consultant at Fidelity Investments, a position she has held since 2026. She has built her career in the financial services industry, with prior roles including Relationship Manager at Fidelity Investments, Associate Representative at Thrivent, Teller at Wells Fargo, and Insurance Agent at World Financial Group. Melanie specializes in partnering with clients to understand their financial goals, such as retiring early, funding an education, or preserving wealth for future generations. She focuses on building multi-generational relationships and providing comprehensive financial guidance. She holds a California Insurance License.

John Samii is a financial advisor at Merrill in Los Angeles, CA, holding a Series 66 designation with 7 years of industry experience. His work history includes roles at Bank of America and USC prior to his current position. He also serves as Successor Trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, and corporations.

Scott Goldstein is a financial advisor at Osaic with 15 years of industry experience. He holds the Series 66 designation and spent 14 years at Lincoln Financial Advisors before joining Osaic in 2025. Outside of his advisory role, he is also licensed as an insurance agent offering accident and health, disability, fixed and indexed annuities, long-term care, and traditional life insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct portfolios with diverse investments and customizable options.

Deborah Schwartz is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2016, as well as Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning through dedicated Financial Advisors and the Estate Planning Strategies Group. The firm emphasizes a structured planning process using firm-approved tools and offers both direct and corporate financial planning services.

Michael Lira is a financial advisor with LPL Enterprise and holds Series 65 and Series 63 licenses. He has been with LPL Enterprise since 2026 and has prior experience with organizations including Homeboy Industries and various educational institutions. Outside of his advisory role, he has involvement with Beauty of Aztlan LLC. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products via its integrated platform.