River Sentell is a financial advisor with Fidelity and holds a Series 66 designation. He has one year of industry experience and previously worked in various roles including at Euromos Global and AXO Sorority. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Dave Schelling is a financial advisor with Wells Fargo Clearing in Saugus, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2011, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Bonnie Dang is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank since 2019, with prior roles at Cetera Investment Services and East West Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that 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 a structured planning process supported by firm-approved tools and methodologies.

Steven Siskin is a financial advisor with Raymond James Financial in Encino, CA, holding a Series 63 designation and over 40 years of industry experience. He has been with Raymond James since 1995 and operates Sisko Trust and Core Financial Group, where he conducts life and fixed annuity insurance business outside of his primary firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting and supports a range of advisory programs and institutional portfolio management.

Yineth Shum Chang is a financial advisor with Morgan Stanley in Pasadena, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, she held roles at RGE Motor Direct Inc. and Poundex Associates Corporation. Outside of her advisory work, she is the sole proprietor of Hellebore Candle Co., a retail and online candle business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

Paul De Ulloa is a financial advisor with Merrill in Glendale, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2015. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Suhang Ji is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, Ji worked at Fullgoal Fund and held roles at the University of Southern California and ByteDance. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

John Ter Oganesyan is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He previously held roles at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he has partial ownership in Threestone Holdings, LLC, which is involved in investment-related activities. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Margaret Sheridan is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and firm-approved methodologies to support its financial planning process.

Adrian Curran is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he was involved with Charlemagne for 14 years, where he owned and operated an online import and distribution business specializing in wine, confectionary, and coffee. J.P. Morgan Securities 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 deliver customized, non-discretionary advice.

Simon Rawlinson is a CFP® professional with 17 years of industry experience currently with Raymond James & Associates. He previously worked at Unionbanc Investment Services and MUFG Union Bank from 2015 to 2022. Outside of his advisory role, he holds a minority equity stake in a private equity technology start-up, The Quantum Storey Company, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, including high-net-worth clients, institutions, pension plans, and charitable organizations. The firm provides tailored financial planning and consulting, offering a range of portfolio management styles supported by affiliated research and model managers.

Robert Estepanian is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is a co-owner and trustee of the Robert Estepanian and Suzanna Estepanian Revocable Family Trust, which manages rental property. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Aaron Liu is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2022 and at Morgan Stanley Private Bank, N.A. since 2026. Prior to joining Morgan Stanley, he was self-employed and studied at the Massachusetts Institute of Technology from 2018 to 2022. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling.

Michael Mirolla is a Planning Consultant who develops engagement strategies tailored to each client's unique planning needs. He collaborates closely with clients to build financial plans aimed at supporting their financial goals. Prior to his current role, Michael worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm from 2024 to 2025. He holds a California Insurance License.

Steven Kerstein is a financial advisor at Stifel with 45 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. He serves as a FINRA arbitrator in addition to his advisory role. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm’s investment approach incorporates proprietary methodologies developed by its Investment Strategy Group, supporting asset allocation and financial planning analyses.

Trevor Lowe is a financial advisor at Morgan Stanley in Sherman Oaks, CA, holding Series 65 and Series 63 licenses with five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. from 2021 to 2025, along with roles at Thrivent Financial and AFlac. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies.

Ray Pearl Jr. is a CFP® professional with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. Their IPS-driven investment process incorporates modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among their investment menus.

Ethan Peterson is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Union Bank, and Wells Fargo. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Vallercamp is a financial advisor at Thrivent Investment Management with seven years of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Azusa Pacific University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, delivering written recommendations on a broad range of financial planning topics. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option.

Howard Abrams is a financial advisor with UBS Financial Services in Sherman Oaks, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocation to tailor client solutions.