Pamela McKenzie is a financial advisor with LPL Financial in Cerritos, CA, holding a Series 66 designation and 20 years of industry experience. Her career includes roles at Guardian Life, Eagle Strategies (NY Life), and Ameriprise prior to her current tenure at LPL Financial. She is also involved with McKenzie Wealth Management, Inc., an investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing various model portfolios, third-party subadvisors, and customized strategies.

Christopher Elkin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He began his career with Fidelity in 2008, progressing through roles including Financial Representative, Investment Representative, and Financial Consultant. His professional focus is on building strong client relationships and collaboratively developing financial plans that are regularly reviewed and tailored to meet client goals. Christopher's approach centers on proactive service and being a primary resource for his clients' financial planning needs. He holds a California Insurance License, supporting his work in financial consulting. His dedication to following financial markets enables him to serve clients effectively, regardless of their experience level.

Frederick Denitz is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding the ChFC® and Series 66 designations and bringing 22 years of industry experience. His career includes roles at MassMutual Life Insurance Company and Northwestern Mutual in various capacities from 2009 to 2017. He is also involved in insurance brokerage through Lenox Advisors, Inc., focusing on individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing tools like Monte Carlo simulations and automated asset-allocation to support annual, collaborative client relationships.

Daniel Goodman is a financial advisor at Equitable Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2020. His prior work includes roles at Beacon Hill Staffing Group, Pepsico, and the University of Arizona. Outside of his advisory role, he operates under the DBA Executive Benefits Financial Group. Equitable Advisors serves individual clients across a range of wealth levels, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives, utilizing a mix of proprietary and third-party investment solutions.

Emmanuel Asuncion is a financial advisor at Cetera with 16 years of industry experience. He holds a Series 66 designation and has held numerous roles within the Cetera network since 2018. His prior experience includes working with Northwestern Mutual Wealth Management Company and several individual advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and consulting services through a multi-manager platform with a variety of program options and custodial relationships.

Jerry Sheby is a CFP®-credentialed financial advisor with 39 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation, Associated Securities Corp., and Associated Planners Investment Advisory Inc. He also operates Sheby Financial Group, which offers tax preparation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives.

John Coon is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leverages the global resources of Merrill Lynch and the banking services of Bank of America, N.A., to serve affluent clients. He has been a professional in the financial services industry for over ten years. Prior to joining Merrill Lynch in 2018, John worked at Catalyst Funds, Lightstone Capital Markets, and Grubb & Ellis Realty Investors. John earned a bachelor's degree from the University of California system and holds Series 7, 24, 63, and 65 FINRA registrations. He also holds designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). His client focus areas include corporate executive services, executive compensation, and tax minimization. Born and raised in Newport Beach, John lives there with his wife and two children. He played volleyball at UCLA, contributing to teams that won NCAA Division I titles in 1998 and 2000. John is a previous board member of the Pediatric Cancer Research Foundation. In his free time, he enjoys surfing, fishing, playing guitar and piano, and coaching his son's baseball team.

Carol Otters is a Series 66-licensed financial advisor with Edward Jones in La Palma, CA, where she has worked since 2011. She has 14 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,000 advisors and 15,000 branch offices.

Ann Villar is a financial advisor with Ameriprise, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Ameriprise and its affiliates since 2010. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income program employs a centralized service team and proprietary tools to deliver ongoing advice, with investment options influenced by its affiliated product ecosystem.

Chris Lopez is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2022. He has been part of Fidelity Investments since 2018, initially serving as a Financial Consultant. Prior to his tenure at Fidelity, Chris gained extensive experience in the financial services industry, including roles as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, an Insurance Consultant at C & S Insurance Agency from 2010 to 2015, a Vice President Financial Consultant at Charles Schwab from 2002 to 2010, and as a Financial Advisor at A.G. Edwards from 2001 to 2002. Chris holds a California Insurance License, supporting his qualifications in the financial and insurance sectors. His professional focus is on assisting clients and their families with their financial needs while maintaining a high level of integrity.

Matthew Oconnor is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. He has worked at Fidelity Investments since 2025 and has prior experience in a variety of roles, including positions at CFG Wealth Management and La Jolla Kayak. Fidelity's affiliate, Strategic Advisers LLC, 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 proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees both discretionary and non-discretionary advisory services.

Ryan Sullivan is a Series 66-licensed financial advisor with two years of industry experience, currently with Equitable Advisors in Los Angeles. He previously worked at Teachers Insurance and Annuities Association of America (TIAA) for 11 years. Outside of his advisory role, he manages a rental property. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm’s approach includes matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Swastik Deshpande is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding a Series 66 designation and three years of industry experience. His prior roles include positions at LPL Financial LLC and Lenox Advisors. He also serves as a Relationship Manager for Lenox Advisors, Inc., where he is involved in the sale of life, accident, and health insurance products. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs, including divorce and estate-settlement planning.

Omar Ching is a financial advisor at Merrill in Los Angeles, CA, holding Series 65 and Series 63 licenses with two years of industry experience. His prior roles include positions at Bank of America, NYLIFE Securities LLC, New York Life Insurance Co., Orion Metal Exchange, and Vitality International. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Franklin Chelebian is a financial advisor with Equitable Advisors in Los Angeles, CA, holding a Series 66 license and six years of industry experience. His prior work includes roles at Chapman University, Hudson Pacific Properties, Trinium Technologies, and for Congressman Duncan Hunter. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party partnerships.

Usha Cervantes is a financial advisor at LPL Financial with 16 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2024, she worked at Transamerica Financial Advisors, Inc. for 10 years. Cervantes is also the author of the book "Over 100 First Samoan Words" and owns a business called Lochytocker Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management provided by a large network of investment adviser representatives.

Evan Pantucci is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a member of the Pantucci Bonvechio team, which was named to the Forbes "Best-in-State Wealth Management Teams" list in 2023 and 2024. This recognition is based on criteria including best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management, and firm-generated revenue. Evan and his team focus on developing long-term relationships with clients by understanding their priorities and financial goals. They provide experienced investment advice and guidance for high-net-worth families and institutional investors. Their services include access to Bank of America banking and coordination with Merrill Lynch's network of specialists and strategists. Evan's client focus areas include Corporate Executive Services, Divorce Transition Planning, Executive and Equity Compensation Services, Institutional and Corporate Benefit Services, and Legacy Planning, among others. The team continues to enhance their expertise through advanced industry designations and continuing education. Evan holds a Bachelor's Degree from Loyola Marymount University and professional designations including Certified Investment Management Analyst (CIMA), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He is proficient in both English and Spanish. Outside of his professional work, Evan enjoys adventure sports, fishing, football, music, racquetball, running, scuba diving, spending time with his family, surfing, and traveling.

James Kefalas III is a financial advisor with Raymond James Financial in Brea, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has worked at Raymond James Financial Services Advisors since 2009 and has prior experience in non-variable insurance from 2010 to 2018. Additionally, he is the owner of Kefalasfoley Investment Services Inc., a support company unrelated to investment management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized advisory programs and municipal advisory services.

Krista Johnson is a Planning Consultant at Fidelity Investments, where she collaborates with clients to understand their family needs and goals, helping to develop and adjust financial strategies accordingly. She has been with Fidelity since 2019, initially serving as a Financial Consultant before assuming her current role in 2025. Her professional experience spans multiple roles in the financial services industry, including positions as an Investment Consultant at Transamerica Financial Advisors and Pacific Advisors from 2016 to 2019, Sales Development Group Manager at The Private Bank, MUFG Union Bank from 2012 to 2015, Nonprofit Business Development Manager at The American Funds Group from 1999 to 2009, and Client Relationship Manager at Capital Research and Management Company from 1992 to 1999. She holds a California Insurance License. Outside of her professional work, Krista enjoys attending concerts, playing golf, spending time with pets, reading, singing, and skiing.

Timothy Denton is a financial advisor with Mass Mutual Investors Services in Los Angeles, holding Series 63 and Series 66 licenses and with 16 years of industry experience. He has been with MML Investors Services Inc. since 2009 and associated with Mass Mutual since 2008. In addition to his advisory role, he is an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and structured annual planning relationships without discretionary authority.