Rafael Robles is a financial advisor at Merrill with a Series 66 designation and over 20 years of experience, including roles at Bank of America from 2002 to 2025 before joining Merrill in 2025. He is based in Whittier, 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.

Christina Li is a financial advisor at Merrill with 17 years at the firm and 4 years of industry experience. She holds a Series 66 designation and is based in Los Angeles, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sean Yu is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 credential and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Outside of his advisory work, Yu serves on the board and auditing committee of the Cal Poly Pomona Philanthropic Foundation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Parker Olson is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds the Series 66 designation and has worked previously at firms including Purshe Kaplan Sterling Investments, Ares Management Corporation, and Northern Trust. Outside of his advisory work, he serves on the finance committee of Vintage Church Pasadena, assisting with financial modeling for future church budgets. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning delivered through a network of advisors. The firm’s approach separates planning from portfolio management and offers ongoing reviews without discretionary trading authority.

Gabriella Burke is a financial advisor at Morgan Stanley with eight years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2016, with a brief gap in 2017. Outside of her advisory role, Burke works as a fitness coach at Orange Theory Fitness and operates a personal training business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Kathryn Carter is a CFP® with 42 years of experience in the financial industry. She has worked at LPL Financial since 2020 and previously spent 11 years at Sagepoint Financial, Inc. In addition to her advisory role, she operates an insurance agency selling personal and commercial insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network, offering financial planning, advisory programs, and retirement plan consulting with discretionary and non-discretionary management across various investment strategies.

Lucy Hoang is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and previously worked at City National Bank from 2012 to 2018. She is based in Los Angeles, CA. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm utilizes model-based and discretionary investment strategies developed by internal CIO teams and third-party managers.

Kristiane Sweeney is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services from investment policy statement preparation to performance reporting and participant education. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with options that include insurance-related vehicles and bank deposit sweep programs.

Alex Lukoff is a financial advisor with Merrill in Placentia, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill and Bank of America since 2015 and has operated The Cigar Guys, a separate business venture, since 2008. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Robyn Medina is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Avantax Advisory Services and Avantax Investment Services, INC. Medina also maintains a long-term association with Comprehensive Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with access to affiliated and third-party managers across various program structures.

Salvador Rodriguez is a Wealth Management Advisor and Senior Vice President based at the Merrill Lynch office in Pasadena. With nearly 25 years in the finance industry, Sal has been with Merrill Lynch since 2004, where he specializes in guiding clients through various aspects of their financial lives to help them achieve their goals. His approach emphasizes understanding clients' life priorities and creating personalized plans that reflect their unique circumstances. Sal holds a bachelor's degree in Economics from UCLA and carries industry credentials including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His professional experience spans back-office operations through trading, providing him with a comprehensive understanding of the investment industry. Sal focuses on areas such as college education planning, family wealth management strategies, retirement income, tax minimization, and special needs planning. He collaborates closely with clients’ attorneys and accountants to address tax, estate, and philanthropic considerations, alongside internal Merrill specialists. A native of Southern California, Sal lives locally with his wife and children. Outside of work, he enjoys adventure sports, golfing, and spending time with his family.

David Pogosyan is a Series 66-licensed financial advisor at Morgan Stanley in Pasadena, CA, with 19 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in real estate property management as a sole proprietor and a partner in related holdings. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee input.

Kristen Keckeisen is a financial advisor with Cetera, holding a Series 66 credential and four years of industry experience. She has worked at Cetera since 2025 and is also involved with Barca & Barca Financial Network, providing administrative support. Outside of financial services, she works as a procurement consultant for Toyota Motor North America. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

Allan Adriatico is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping families and businesses develop financial strategies that align with their needs, goals, and risk tolerance. Allan provides investment planning through a collaborative approach to help build, manage, preserve, and transition wealth. His work focuses on understanding each client's goals and concerns to create tailored wealth plans aimed at accomplishing their objectives. His areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and small business strategies. Allan offers clients a range of financial solutions and tools based on their unique circumstances, addressing priorities such as health, home, family, leisure, giving, work, and overall finance. Allan holds a High School Diploma from Martin Luther King High School and an Associate's Degree from Riverside City College. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of work, Allan spends time with his wife and three children. They enjoy traveling and exploring new food venues, particularly coffee shops. Allan is also involved in coaching basketball at local schools and youth sports teams.

Aren Kortoshian is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC from 2015 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice.

Nicky Chen is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMC Bank NA since 2019. His prior experience includes roles at CWL LLC and East West Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Zarina Sullivan is a financial advisor at Cetera with 16 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and has been affiliated with various Cetera entities since 2016. Outside of her advisory work, she provides educational presentations on basic financial literacy to military personnel through Zeiders Enterprises. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, institutional, and retirement plan clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Mark White is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory work, he owns a property in Los Angeles that is rented for film and television productions and serves on the Finance Committee of the Jonathan Club, a private dining social club. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by firm-approved tools and serves clients through both direct and corporate arrangements.

Nathan Towns is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding the CFP®, ChFC®, and Series 66 designations. He has 10 years of industry experience, including 12 years at Merrill before joining Wells Fargo Clearing in 2026. Outside of his advisory work, he owns a sole proprietorship through which he occasionally buys and sells basketball and football collectibles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics focused on diversification and modern portfolio theory.

Darrin Frankel is a financial advisor with Morgan Stanley in El Segundo, CA, holding a Series 63 designation and bringing 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and works at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and incorporates structured planning tools and models in its financial planning process.