Derrick Schmucker is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has worked with Primerica Advisors since 2004 and Primerica Financial Services since 2003, with a brief tenure at Volt Workforce Services from 2016 to 2017. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients, operating primarily as a wrap-fee solution rather than servicing institutional pension or profit-sharing plans.

Andrey Pashayan is a financial advisor with J.P. Morgan Securities in Encino, CA, holding Series 65 and Series 63 credentials and three years of industry experience. His prior experience includes roles at Citigroup Global Markets, Citibank, and Wells Fargo. Outside of his advisory work, he operates a home-based barbeque catering service. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support customized, non-discretionary investment recommendations.

Alejandro Jimenez is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, and JP Morgan Chase Bank. 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.

Gabriel Castellanos is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Prior to his finance career, he worked at Pieology Pizzeria for two years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning.

Christopher Simonoff is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America since 2010, with prior roles at Athas Capital Group Inc and Nina Lending LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sheri Humphrey Apodaca is a financial advisor at Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 2013, and previously spent over two decades at Carat. Outside of her advisory role, she serves as a reservist poll worker in Glendale, California. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and emphasizes a tiered wrap-fee structure with ongoing oversight of its investment models.

Grant Goldstein is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Woodland Hills, CA. He has two years of industry experience, including roles at J.P. Morgan Securities, Jpmorgan Chase Bank, Bank of America, Merrill, and One Capital Management. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Timothy Hohn is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been associated with Primerica Financial Services since 2004 and also works with McLaren Industries and PFS Investments Inc. His outside activities include part-time sales of home-related products such as home security and automation through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and selective separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Eric Byun is a financial advisor with Charles Schwab in Encino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments, Deloitte, JP Morgan Chase Bank, and Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment management supported by centralized operational and custody arrangements.

Shant Topalian is a financial advisor with Ameriprise in Glendale, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, he worked at U.S. Bank and Currency Exchange International. Outside of his advisory role, he provides freelance photography services. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jing Liu is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and a centralized operational structure.

Megan Pritchard is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has three years of industry experience, including roles at Centene, University of California - Davis, and multiple hospitality businesses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

James Madigan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 2008 as a Research Associate at another firm and joined Merrill in 2012. He focuses on helping clients with education planning, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income strategies. James graduated Cum Laude in 2007 with a Bachelor of Science in Business Administration from Pepperdine University. He earned the Certified Investment Management Analyst® (CIMA®) designation in 2017 through the Investments & Wealth Institute™, taught in conjunction with the Yale School of Management. In 2018, he obtained the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc. His professional designations also include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is involved with organizations such as the College for Financial Planning and the Investments & Wealth Institute. James participates in community activities, including volunteering with Pepperdine University. His personal interests include baseball, basketball, reading, running, spending time with his family, tennis, and yoga.

Paul Artin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity since 2002, initially serving as a Financial Consultant until his promotion in 2008. Prior to his tenure at Fidelity, Paul worked as a Financial Representative at H&R Block Financial Advisors from 2001 to 2002. In his role, Paul focuses on creating a collaborative and supportive environment for clients, aiming to understand their goals and preferences to build personalized financial strategies. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, Paul has personal interests in fitness, golf, and soccer.

Zhihua Tang is a financial advisor with LPL Enterprise and holds the Series 66 designation, with four years of industry experience. Prior to joining LPL Enterprise in 2025, Tang held roles at several firms including Coldwell Banker Realty, MML Investors Services, and New York Life Insurance Company. Tang is also involved in real estate services through Coldwell Banker Realty. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third‑party asset management, and brokerage and insurance products through an integrated platform that supports both advisory and brokerage channels.

Bobak Mirmiran is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2020, with prior experience at TD Ameritrade and Axa Advisors. Outside of his advisory role, he is the Chief Operations Officer of MIR Express, Inc., a UPS Store franchise where he oversees business administration and operational processes. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Bianka Peneva is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her prior roles include positions at HSBC Securities (USA) Inc, HSBC Bank USA, N.A., J.P. Morgan Securities, and JPM Chase BANK. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Christian Fuess serves as the Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in Woodland Hills, California. He has over 15 years of experience in the financial services industry, focusing on assisting foundations, endowments, public and private retirement plans, businesses, individuals, and families with wealth accumulation and preservation. His client focus areas include college education planning, executive compensation, equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Christian holds a Bachelor's degree in Finance from San Diego State University, a Master's degree in Business Administration with a focus on Financial Planning from California Lutheran University, and has earned the CERTIFIED FINANCIAL PLANNER® certification. He also holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Christian lives in Westlake Village, California, with his wife Stephanie and their children, Roman and Lucia. He is actively involved in the community, serving on the Auxiliary Board of Directors for the Cancer Hope Foundation and volunteering as a weekly mentor for C.A.R.E. Foster Kids.

Mathew Reyna is a Series 66-credentialed financial advisor at Merrill with three years of industry experience. His prior work includes roles at Bank of America and various positions ranging from logistics to education. 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.

Pedram Afzal is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Prior to joining Wells Fargo in 2022, he spent 10 years at J.P. Morgan Securities. Outside of his advisory work, Afzal is an author of a book titled "Overdraft Queen." Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, employing diversification and modern portfolio theory within the constraints of custodian platform options.