Kevin Terao is a financial advisor at Wells Fargo Advisors with 20 years of industry experience. He holds the CFP®, CFA®, and Series 66 designations and has been with Wells Fargo Advisors since 2015. Outside of his advisory work, he has a 50% ownership interest in Premier Strategic Capital Inc., operating as Riviera Wealth Management. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory offerings with various financial products and referral channels.

Benjamin Goldberg is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at City National Bank and RBC Capital Markets. Outside of his advisory role, he serves on the board of the Long Beach Century Club supporting athletics, participates on the Broadmoor Homeowners Association Board of Directors, and is a committee member for the City of Huntington Beach evaluating local infrastructure. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes insurance-related investment options alongside traditional vehicles.

Charles Cline is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He worked at JP Morgan Securities LLC for 13 years before joining Wells Fargo. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Flor Gonzalez is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, she owns and operates Dreamy Dolls LLC, a cosmetic business specializing in eyelash extensions. 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 solutions. The firm’s IPS-driven process incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Phillip Schafer is a CFP®-credentialed financial advisor with 24 years of industry experience, currently with Wells Fargo Advisors since 2023. His prior experience includes roles at Wells Fargo Clearing and Merrill, spanning a total of 17 years. Schafer holds a 50% ownership in Compass Wealth Management LLC, a business unrelated to his primary firm. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and tools, with planning engagements tailored to client needs and integrated with multiple financial product offerings.

John Lewis is a CFP®-credentialed financial advisor with 33 years of industry experience, currently with LPL Financial since 2018. Prior to joining LPL, he worked for Questar Capital Corporation from 2014 to 2018. He also operates a tax preparation business alongside his advisory duties. 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 both discretionary and non-discretionary management supported by proprietary and third-party research.

Albert Aiad is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 10 years of industry experience. He has worked at Wells Fargo Clearing and affiliated entities since 2016 and owns a music publishing business, High Society, based in Brentwood, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Edgar Galicia is a Series 66–licensed financial advisor with 17 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent five years with J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to evaluate investment options based on diversification and modern portfolio theory.

Dylan Nobuhara is a Series 66 licensed advisor at J.P. Morgan Securities with two years of industry experience. His prior roles include positions at MassMutual Life Insurance Co and MML Investors Services, LLC. He is based in Manhattan Beach, California. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and offers access to a broad range of products through its affiliation with J.P. Morgan’s broader broker-dealer and banking organization.

Roy Park is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Citibank, and Prime Equity Management. 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.

Kim Richardson is a financial advisor with OSAIC based in Hermosa Beach, CA. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Her prior work history includes roles at Advisor Group since 2014 and Cetera Advisors Networks and Cetera Financial Group since 2011. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a variety of investment options and utilizes asset-allocation tools and automated rebalancing to manage portfolios on both discretionary and non-discretionary bases.

Stuart Tsujimoto is a financial advisor at Cetera with 58 years of industry experience. He holds the CFP® designation and Series 63 license. His prior roles include work at Cetera Wealth Services, APS Planning Service, Inc., and his own firm, Stsujitmoto, LLC. Outside of financial advising, he is involved in horse racing and breeding as the owner of Stsujitmoto, LLC. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.

Garrick Peters is a CFP®-credentialed financial advisor with over 31 years of industry experience. He is currently with OSAIC and has prior experience at Lincoln Financial Advisors Corporation, Bank of America, and Merrill. Peters is also involved in offering fixed and equity indexed annuities and traditional life insurance as an insurance agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and efficient-frontier analysis to construct diversified portfolios across multiple asset classes.

Robert Kulczycki is currently an Investment Consultant at Fidelity Investments, a position he has held since 2024. In his role, he partners with clients to identify their financial goals, explore investment options, and implement strategies to support their future planning. Prior to this, Robert worked as a Financial Advisor at LPL Financial from 2023 to 2024 and served as an Internal Wholesaler at First Trust Portfolios from 2018 to 2023. Robert holds a California Insurance License, which supports his professional activities in the financial services industry. Outside of his professional work, he has interests in football, social events with friends, hiking, music, and reading.

Charles Salfity is a financial advisor with LPL Financial in El Segundo, CA, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has been with LPL Financial since 2005. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Emily Perry is a financial advisor with Wells Fargo Advisors in Rolling Hills Estates, CA, holding a Series 66 designation and 20 years of industry experience. Her prior experience includes eight years at Merrill before joining Wells Fargo Advisors in 2017. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning offerings tailored to clients who meet specific net-worth criteria.

Rita Moreno is a financial advisor at Merrill with 21 years at the firm and 11 years of industry experience. She holds a Series 66 designation and works in Seal Beach, CA. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Violeta Mollova is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and seven years of industry experience. Her work history includes roles at UBS Financial Services, Evoke Advisors, Sifel, Nicholaus & Company, JPMorgan Chase Bank, J.P. Morgan Securities, and Citibank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor plans. The firm provides a broad range of services including discretionary portfolio management, financial planning, and capital markets activities alongside wealth management.

Jake Orr is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise and the University of Oklahoma in various roles. UBS Financial Services 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 research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.

Kristy Hernandez is a financial advisor at Morgan Stanley with 12 years of experience in the industry. She holds a Series 66 designation and previously worked at RBC Capital Markets for nine years before joining Morgan Stanley in 2024. Outside of her advisory role, she is involved in photography as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.