Heather Hackett is a CFP® certificant with 23 years of industry experience. She is currently with Osaic Wealth, Inc. and previously worked at Commonwealth Financial Network, LPL Financial, CETERA Advisor Networks, The Financial Planning Department, and Girard Securities. Hackett is co-owner of All Weather Holdings, LLC, an entity involved in commercial real estate, and is engaged in accounting and tax preparation through her private firm, The Financial Planning Department, Inc. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to offer discretionary and non-discretionary portfolio management.

Lauren Holden is a financial advisor with OSAIC based in Torrance, CA. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she has worked at Hartwell Financial Services and has been involved with the South End Racquet and Health Club. Additionally, she has a background in full-time education spanning ten years. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, including third-party managed account solutions.

Matthew Crammer is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked extensively with Avantax Advisory Services and related firms for over two decades and has operated his own business, Crammer & Crammer, since 1997. Outside of advising, he is president of two tax preparation and accounting firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various model portfolios and third-party managers.

Cynthia Alston is a financial advisor at Morgan Stanley with 19 years of industry experience. Her prior roles include positions at J.P. Morgan Securities and First Republic Investment Management. Outside of her advisory work, she owns and operates property management businesses in Anaheim, California. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Mohammed Ayala is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms including CUSO Financial Services, U.S. Bancorp Investments, Bank of America, Merrill Lynch, and Southland Credit Union. Outside of advisory roles, he was involved with Kali Botanical for over a decade. LPL Financial is an 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, financial planning, and retirement consulting, utilizing model portfolios and research from both internal and third-party sources.

Yuri Berdichevsky is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America, N.A. There are no additional outside activities reported. 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 and investment management capabilities, delivering services through a non-discretionary program where clients retain final decision-making authority.

Matthew Romero is a Series 66-registered financial advisor with Merrill in Los Angeles, CA. He has been with Merrill and Bank of America since 2025 and 2026 respectively. His prior experience includes roles in education at California State University, Fullerton, Los Angeles Harbor College, Lawndale Elementary School District, and Leuzinger High School, as well as employment at In-N-Out Burger. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Yoonjae Gong is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at pursuing their short-, mid-, and long-term goals. He provides guidance on a range of financial topics including general investing, retirement planning, and emergency savings. Additionally, he can facilitate access to Bank of America specialists for banking, credit, home financing, and small business services. Yoonjae holds a Bachelor’s Degree from the University of California system and carries the Personal Investment Advisor (PIA) designation. He is fluent in English and Korean, enabling him to communicate effectively with a diverse client base. His approach centers on building relationships and offering ongoing advice as clients’ financial needs evolve.

Felipe Sebastian is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and JPMorgan Chase Bank since 2011. 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 delivered through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Brian Woo is a financial advisor with Morgan Stanley in Rolling Hills Estates, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at RBC Capital Markets, J.P. Morgan Chase Bank, and Bank of America. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models to assist clients and operates in both advisory and broker-dealer capacities.

Nicolas Faria is a financial advisor at Fidelity with 18 years of industry experience. He holds a Series 66 designation and has worked in various capacities within Fidelity since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers services such as discretionary management, fund advisory, and model portfolio delivery.

Robert Critelli III is a financial advisor with Morgan Stanley, holding a Series 63 license and bringing 49 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Outside of his advisory role, he has taught investment classes to adult learners through the Torrance Unified School District since 1979. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment outlook models.

Todd Lubin is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. 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 financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jessmark Haruo Tanaka is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 17 years of industry experience. His work history includes roles at Wescom Credit Union and Wescom Financial Services, where he has been involved since 2006 and 2008 respectively, as well as a two-year tenure at CUSO Financial Services. Tanaka offers investment products and services under the Wescom Wealth Management name affiliated with LPL Financial. 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 provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with research-supported model portfolios and a variety of investment strategies.

Michael Wilhite is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2011, currently serving through Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by global investment research and modeling tools.

Nery Lemus is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Joseph Suarez is a financial advisor with Wells Fargo Clearing in Cerritos, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2017 and has been with Wells Fargo Bank, N.A. since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes both non-discretionary and discretionary options tailored to plan objectives, demographics, and risk tolerances.

Natalie Castaneda Becerra is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation. Her prior roles include positions at Flag Solutions LLC, Ilink Business Management, and Northgate Gonzalez Market, as well as academic experience at California State University Long Beach. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering customized financial planning that incorporates structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning services without providing individual security recommendations as part of standalone plans.

Christopher Andrade is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 66 designation and one year of industry experience. He served in the United States Marine Corps from 2016 to 2021 and has been involved with the University of Southern California since 2022. 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 through structured planning processes and a range of investment offerings.

James Rumph II is a financial advisor with Edward Jones in San Pedro, CA, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. His prior roles include positions at J.P. Morgan Chase Bank, TD Ameritrade Investment Management, and Infosys. Outside of advising, he owns an e-commerce business specializing in coffee and tea. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors across a wide range of asset levels. The firm offers a variety of advisory programs and strategies, supported by a large network of financial advisors and branch offices nationwide.