William Towne III is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Goldman Sachs & Co., Inc. Outside of his financial career, he serves as a member of the United States Marine Corps Reserve. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence to support customized investment solutions.

Michael Cunningham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. 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 products and bank deposit sweep options among its investment offerings.

Efa Ferrer is a Wealth Management Planning Consultant at Fidelity Investments, where she supports clients in establishing comprehensive financial plans tailored to their unique goals and priorities. Since joining Fidelity in 2023, she has worked as a Planning Consultant and currently holds the Wealth Management Planning Consultant role. Prior to Fidelity, Efa gained experience as a Senior Registered Client Service Associate at Morgan Stanley from 2019 to 2023 and served as Director of Case Management at Margaret May Insurance & Financial Services from 2017 to 2019. She holds a California Insurance License. Outside of her professional work, Efa enjoys camping, hiking, outdoor adventures, painting, reading, and yoga.

James Griffin is a CFP® with 29 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, employing research and analytics grounded in diversification principles and modern portfolio theory.

Adriana Cox is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked with Cetera and its affiliates since 2015 and serves as Director of Operations at Seiko Instruments USA. Additionally, she owns Forever and a Day Health, a health and wellness coaching business in Torrance, CA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and consulting services and operates as a multi-manager platform with discretionary and non-discretionary program options.

Madelynn Merrill is a financial advisor with Morgan Stanley, holding a Series 66 license and five years of industry experience. She previously worked at Guggenheim Partners before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Courtney Hobbs is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has five years of industry experience and serves as managing partner at Trinity Strategic Partners LLC. Hobbs also operates consulting and insurance businesses under her own name. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts, offering financial planning and investment management through a network of independent professionals and a variety of portfolio management solutions.

Brittany Romero is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in La Mirada, CA. She has 10 years of industry experience, including three years at Merrill before joining J.P. Morgan Securities in 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment advisor functions, delivering recommendations on a non-discretionary basis.

Benjamin Sklar is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2024. He also has prior experience with Marhilus Ventures and Matthews Real Estate Investment Services and attended Tulane University from 2020 to 2024. Sklar is an investor and partner in Anvara, a company founded by a friend, though he is not involved in its operations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities, delivering non-discretionary investment recommendations alongside centralized due diligence and ESG eligibility processes.

John Schober is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Michael Veyette is a financial advisor with Osaic Wealth, Inc. in Los Alamitos, CA, holding Series 63 and 66 licenses and 26 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining Osaic Wealth in 2017. Outside of his advisory role, he is also licensed as an insurance agent, selling life insurance, long-term care, and disability products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with access to multiple platforms, third-party money managers, and utilizes asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

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 financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and was previously with J.P. Morgan Securities from 2012 to 2017. 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 solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

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.