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 Series 66-licensed financial advisor with 15 years of industry experience, currently with OSAIC since 2025. He previously worked for Lincoln Financial Advisors for 14 years and World Equity Group, Inc. for one year. Outside of his advisory work, he is active as an insurance agent offering accident and health, disability, long-term care, and traditional insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, providing both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with various portfolio management options and custodial arrangements, and is noted for its scale and recent consolidation activity.

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 at LPL Enterprise with Series 65 and Series 63 licenses. He has recent experience working in various roles including Homeboy Industries and multiple educational institutions. Outside of advising, he has held positions with Beauty of Aztlan LLC and Cool Training and Fitness. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers a range of financial planning and consulting services.

James McGarry is a Series 66 credentialed financial advisor with 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Investments, LLC from 2008 to 2011. Wells Fargo Advisors is a national securities firm with approximately 14,000 financial advisors and $671 billion in assets under management. The firm provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to guide investment decisions within a range of brokerage and advisory solutions.

Larry Roth is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has worked at several firms including Morgan Stanley Private Bank, Morgan Stanley, Barclays Capital, Northern Trust Securities, Merrill, and UBS Financial Services. Roth serves on the board of directors for the Chase Foundation in Encino, CA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Miccal Jackson is a financial advisor at Edward Jones with 12 years of industry experience. He holds Series 65 and Series 63 licenses. His prior experience includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and advisory services supported by a nationwide network of financial advisors and branch offices.

Daniel Johnson is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at City National Bank since 2018 and previously spent nearly two decades at Merrill and nine years at Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Dillon Case is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides clients with tailored portfolios designed to help meet their financial goals, offering clarity and confidence through various stages of life, including the accumulation, conservation, and distribution phases. Dillon is dedicated to delivering a client-focused approach supported by the expertise and resources of Merrill Lynch Wealth Management. His focus areas include family wealth management strategies, managing new wealth, small business strategies, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Dillon holds professional designations as a CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA), and he earned his bachelor's degree from Arizona State University. Born and raised in Ventura County, Dillon currently resides there with his wife, son, and dog. In his free time, he enjoys spending time outdoors with his family, engaging in activities from the mountains to the ocean.

Patrick Infante is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His prior work includes roles at CUSO Financial Services, Prudential Insurance Company of America, Muriel Siebert Financial, and Wells Fargo. Outside of his advisory role, he also works as an Uber rideshare driver in San Francisco. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a broad network of over 22,800 advisors.

Lisa Monica is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 66 designation and 14 years of industry experience. She has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Kevin Quinlevan is a CFP® professional at Charles Schwab with 13 years of industry experience. He previously worked at TD Ameritrade for nine years before joining Charles Schwab and Charles Schwab Bank, SSB. Charles Schwab serves a broad client base that includes 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, offering multi-asset model portfolios and a formal due diligence process for alternative investments.

Andrea Abeger is a financial advisor with Merrill in Encino, CA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has worked at Merrill since 1992 and has been associated with Bank of America, N.A. since 2009. Outside of her advisory role, she is a general partner in a family limited partnership and serves as trustee or fiduciary for multiple family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Ouellette is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at PFS Investments, Inc. and Instacart, as well as a long tenure at Primerica Financial Services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, along with corporate and charitable clients. The firm utilizes model-delivery strategies managed by third-party asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Jason Krischer is a financial advisor at UBS Financial Services Inc. with 20 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services Inc. 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 a broad range of capital markets and advisory solutions.

Samuel Schwartz is a CFP® with 18 years of industry experience, currently serving at Charles Schwab since 2020. His prior experience includes roles at Fidelity Brokerage Services and an earlier tenure at Charles Schwab dating back to 2007. He serves as a board member for Growing Place, an education-focused nonprofit organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by centralized custody and a range of integrated advisory and brokerage solutions.

Adrian Guzman is a financial advisor with Wells Fargo Clearing in Valencia, CA, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. Prior to joining Wells Fargo in 2022, he worked at JP Morgan Securities LLC and JP Morgan Chase Bank from 2008 through 2022. Outside of his advisory role, he is involved in creating and performing music. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.

Gennaro Disilvio serves as a Private Wealth Advisor at Merrill Private Wealth Management. In this role, he focuses on providing personalized portfolio management and wealth advisory services to both private clients and institutional investors. His approach involves understanding clients' goals, future needs, and risk appetite to manage their capital thoughtfully and pursue optimal risk-adjusted returns. As a Portfolio Manager, Gennaro manages discretionary investment strategies that may include individual stocks and bonds, model portfolios, and third-party investment strategies. His expertise encompasses areas such as family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, portfolio management services, and tax minimization. He also provides services tailored for endowments, foundations, non-profits, small businesses, and clients interested in socially responsible, values-based, and ESG investing. For larger institutional clients, Gennaro utilizes Merrill's resources, including a broad inventory of investment-grade fixed income securities and additional professional oversight related to fiduciary responsibilities and investment policy compliance. Gennaro holds a Bachelor's Degree from Duquesne University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, his personal interests include adventure sports, basketball, billiards, football, golfing, ice hockey, music, skiing, and traveling.