Andrew Lais is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses. His career includes multiple roles at LPL Financial and prior positions at Western International Securities, Inc., Associated Planners Investment Advisory Inc., and Associated Securities Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Warren Friedland is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at LPL Financial, Kinecta Financial and Insurance Services, and National Planning Corporation. Outside of finance, he operates as a fitness instructor and educator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by advanced modeling tools.

Joseph Kim is a financial advisor with Charles Schwab who holds a Series 66 designation and has 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2012 and 2014, respectively. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a formal alternative-investment onboarding process.

Arda Thomas is a CFP® with 19 years of experience in the financial services industry, currently serving as an advisor at J.P. Morgan Securities. His prior experience includes roles at Merrill, Bank of America, Scottrade, TD Ameritrade, Citigroup Global Markets, Fidelity, and Morgan Stanley. J.P. Morgan Securities offers institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines systematic quantitative screens with qualitative research and includes unique regulatory registrations and derivatives capabilities.

Diana Vosen is a financial advisor at Merrill with nine years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Merrill since 2022. She also maintains a tenure with Gwfs Equities, Inc. spanning ten years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Suzan Cheek is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her career includes 20 years at UBS Financial Services prior to joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Nathan Lucchino is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he worked at Commonwealth Financial Network and has a background including roles at the Worcester Red Sox and Boston University. Fidelity’s Strategic Advisers LLC serves a wide range of retail and institutional clients, offering investment management and advisory services that incorporate proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Craig Chiate is a financial advisor at UBS Financial Services with 30 years of industry experience. He has been with UBS since 2013 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves on the Board of Directors for Sierra Canyon School. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services that include financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Sholeh Salari is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients identify their financial priorities and develop strategies to pursue their financial goals. Sholeh holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned a Master of Business Administration (MBA) from Pepperdine University.

W. Kevin Kessler is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Royal Alliance Associates, Signator Investors, and American General Financial Advisors. He also operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a broad range of advisory and brokerage services, including financial planning and third-party asset management.

Willie Lopez is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2017. Prior to his career in finance, he worked at Target from 2012 to 2017. 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 using model-based and discretionary investment strategies.

James Raft is a financial advisor at LPL Financial with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at firms including Lincoln Financial Securities Corporation and Independent Advisers Group Corp. Raft is also involved in selling traditional life insurance, fixed annuities, long-term care, and disability insurance through his own business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services using both proprietary and third-party strategies across various account types.

Gerald Roth is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Western International Securities, Inc., Citigroup Global Markets Inc., and Wamu Investments, Inc. Outside of his advisory role, he is involved as an insurance agent in accident, health, life, and variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Clement Muinde is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Bank since 2016 and joined Wells Fargo Clearing in 2021. Outside of his advisory role, he co-owns a home health care agency. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversified investment strategies and offers both brokerage and advisory solutions.

Tyler Noble is a financial advisor at LPL Financial with Series 65 and Series 63 licenses and one year of industry experience. His prior work includes roles at Marshall Financial Management and The UPS Store, as well as experience in education at El Camino Real Charter High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, and provides support through advanced operational and research tools.

Shilu Shrestha is a financial advisor with Merrill in Newhall, CA, holding a Series 66 designation and having one year of industry experience. Shilu has worked with Merrill since 2015 and was previously employed at Bank of America, N.A. Outside of advisory work, Shilu is the owner of a rental property business in Richmond, 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 offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ryan Overholt is a financial advisor with Wells Fargo Clearing in North Hollywood, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Wells Fargo entities since 2012, working at Wells Fargo Bank NA and Wells Fargo Clearing. 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, supported by research from Wells Fargo Investment Institute and third-party databases.

Ramez Haddad is a financial advisor with Merrill and holds a Series 66 designation. He has been in the industry for two years, with prior experience at Equitable Advisors and Bank of America. Outside of advising, he is the owner and developer of Revv Technologies, Inc., an automotive CRM and marketplace company. 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 individuals, institutions, and charitable organizations.

David Borenstein is a financial advisor with Wells Fargo Clearing in Encino, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He worked at Wells Fargo Investments, LLC from 2001 to 2011 before joining Wells Fargo Clearing in 2016. 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.

Anthony Khasho is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 credential and has previously worked at Holland Parker and the University of California. His background includes roles in education and cultural arts. Fidelity, through its Strategic Advisers LLC affiliate, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages advisory activities with oversight controls and conflict-of-interest evaluations.