Virginia Ferrer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked at various Wells Fargo entities since 2005, including Wells Fargo Bank, Wells Fargo Advisors, and Wells Fargo Clearing. Outside of her advisory role, she is a co-owner and treasurer of Fresh Prints & Design Inc. and serves as treasurer for the St. Lukes Preschool Booster Club. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Anderson is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and tailors recommendations using proprietary research and tools, with planning engagements typically discrete and fees negotiated based on scope and complexity.

Steven Parker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2013. Outside of his advisory role, he is an owner and partner in SpaceX. 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 brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Jonathan Gragg is a financial advisor at Cetera with 13 years of industry experience. He holds the Series 66 designation and previously operated under his own advisory business, Jonathan Gragg, from 2016 to 2021. Outside of advisory services, he is also an insurance agent who sells life, health, annuities, and long-term care products. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and investment strategies.

Andrew Davis is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Hristo Stefanov is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at Cetera. He has held various roles within Cetera and its affiliated entities since 2013 and has been associated with Tower Square Investment Management LLC since 2015. Outside of his advisory work, he participates as a member of a homeowners association board, where he attends meetings and reviews budgets. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with diverse investment program options and oversight.

Stephanie Elias is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked with Bank of America since 2022 and has prior experience at USC Credit Union and the University of Southern California. Outside of her advisory role, she is the sole owner of a rental property business. 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 strategies supported by internal and third-party managers for a range of individual and institutional investors.

Vincent Woo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior positions include roles at City National Bank and RBC Capital Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations, to assist clients in developing financial plans.

Maarten Rietveld is a financial advisor with LPL Financial in Santa Monica, CA, holding Series 63 and Series 65 licenses with 41 years of industry experience. He has been with LPL Financial since 2011 and previously worked at PlanVest Financial, Inc. in 2018. His outside activities include involvement with insurance services and business succession planning through affiliated entities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies across discretionary and non-discretionary management styles.

Arthur Wexler is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 66 credentials and 34 years of industry experience. His prior roles include positions at Edward Jones, Horace Mann Companies, and TCG Advisors. Outside of finance, he is an early investor in Tastry, an AI technology company focused on the wine industry. J.P. Morgan Securities LLC 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 investment solutions.

Nicholas Anthony is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management, where he has worked since 2011. He has been in the financial services industry since 1985. Nicholas provides clients with access to Merrill Lynch's investment resources and the banking services of Bank of America to support various aspects of their financial lives. In his role as a Portfolio Manager within Merrill's Investment Advisory Program, Nicholas focuses on creating investment strategies for high net worth individuals and business owners. As a qualified Portfolio Manager, he manages personalized and defined investment strategies on a discretionary basis, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. His areas of focus include family wealth management, legacy planning, retirement planning, portfolio management, and strategies for small businesses, among others. Nicholas holds a bachelor's degree in Finance from Iowa State University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes teamwork and client involvement, seeking to be a primary resource for financial advice and guidance throughout the wealth management process.

James Mercier is a financial advisor with Ameriprise in Long Beach, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm serves clients through a centralized consulting team and emphasizes use of Ameriprise-managed accounts and affiliated products.

Julianne Oshinomi is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the firm for over 20 years, providing clients with tailored financial advice and wealth management strategies. Julianne works alongside her team in Boca Raton, Florida, collaborating with multiple generations of affluent families to help identify their financial goals and implement strategies to meet their needs. Her role supports a disciplined approach to investing and personalized service. She holds a Bachelor's Degree from the University of Florida and carries professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Carlos Quintana De La O is a financial advisor at LPL Financial with one year of industry experience. He has been involved with his own firm, Carlos D Quintana Inc, since 2016. 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 financial planning, advisory programs, retirement plan consulting, 529 account management, and brokerage services, utilizing a range of discretionary and non-discretionary management strategies supported by in-house and third-party research.

Sarah Branstetter is a financial advisor with Raymond James Financial, holding a Series 66 designation and five years of industry experience. Her prior roles include working at Crux Wealth Advisors and her ongoing tenure at Raymond James Financial Services, Inc. She also supports transitions for new advisors through an independent contractor role with Noble Wealth Partners. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, providing tailored, non-discretionary advisory services supported by advanced analytical tools and a broad advisor network.

Nicole Novales is a financial advisor at Charles Schwab with 11 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2019. Prior to that, she worked at LPL Financial and LBS Financial Credit Union. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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, strategic asset allocation, and alternative investment options.

Jeffrey Stoll is a CFP® with 27 years of industry experience, currently affiliated with Cetera. He has worked with Cetera since 1999 and operates his own CPA firm specializing in income tax planning and preparation. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and financial planning services.

Andres Escobar is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held roles at Bank of America and Merrill from 2006 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jerry Dillon is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities for 10 years. Outside of his advisory role, he owns and manages a rental property in St. Gardenia, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Diederich Rivas is a Financial Advisor at Merrill Lynch Wealth Management, where he leads a team dedicated to assisting families, individuals, and successful business owners in developing comprehensive, long-term financial strategies. His approach connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most. Diederich and his team guide clients through a detailed discovery process to articulate and prioritize short- and long-term financial objectives, providing personalized attention supported by the global resources of one of the world's largest financial services firms. He offers expertise in various financial areas, including personal retirement planning, portfolio management services, and tax minimization. Diederich and his team help clients prepare for retirement lifestyles, education funding for children and grandchildren, wealth transfer, legacy establishment through family foundations and philanthropy, diversifying business interests, lending through Bank of America, and investment strategies. He emphasizes understanding clients' life priorities to create personalized plans aligned with their goals and aspirations. Diederich holds several professional designations, including Accredited Portfolio Management Advisor (APMA), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned his Bachelor's Degree from the California State University System. Outside of his professional role, Diederich enjoys cooking, golfing, and traveling, and communicates fluently in English and Spanish.