Edgar Arango is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Daniel Lind is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and 37 years of industry experience. He has worked at Ameriprise in multiple periods since 2021 and spent four years at Wells Fargo Clearing and seven years at Unionbanc Investment Services. Lind serves as a neutral arbitrator for FINRA disputes and cases and is a member of the Board of Directors for the Financial Planning Association Silicon Valley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a centralized team that collaborates with advisors. The firm uses proprietary research and algorithmic tools to provide recommendations within an investment universe influenced by its affiliated products and distribution arrangements.

Jonathan Morris is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2018, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, Jonathan worked at PlanMember Financial Corporation and New England Financial in various capacities related to financial services and new business analysis. Jonathan holds a California Insurance License, supporting his work in financial consulting. He emphasizes personalized financial planning, aiming to understand clients' families and goals to create tailored financial plans using Fidelity's technologies and resources. Outside of his professional work, Jonathan has interests in beach activities, cooking and baking, food, hiking, surfing, and traveling.

Frank Picarelli is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he owns a rental property business in Long Beach, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions grounded in an IPS-driven process and modern portfolio theory.

Sandeep Singh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and having 17 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Outside of finance, he is an officer and investor in Singh & Singh Investments Inc., which operates Ambala Sweets and Snacks, an Indian sweets and snacks restaurant. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Eric Pagel is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and one year of industry experience. He has been affiliated with Wells Fargo entities since 2013, including Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad array of investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets across more than 14,000 advisors.

Mai Vu is a financial advisor at LPL Financial with 20 years of industry experience. He has been with LPL Financial since 2011 and holds the Series 63 and Series 65 licenses. Outside of advising, Mai Vu is involved in the restaurant business as a managing member of MJ Phuket Thai F&B LLC in Redondo Beach, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Chelsea Rojas is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Massachusetts Mutual Life Insurance Co and Northwestern Mutual. Outside of her advisory role, she is involved with Blue Water Girls, a beauty company she personally invests in and occasionally assists with order fulfillment. J.P. Morgan Securities provides institutional consulting services to clients such as corporations and foundations, offering asset allocation advice and customized performance reporting through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Christopher Johnson is a financial advisor with Wells Fargo Clearing based in El Segundo, CA, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at J.P. Morgan Securities and Bank of America. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Reinhard Behrens is a financial advisor with Morgan Stanley in Torrance, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

Zoe Gerard is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank since 2010. Outside of her advisory role, she is a co-owner of Adela Wellness LLC, a women's wellness community business based in Los Angeles. 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 utilizes research and analytics to offer a range of brokerage and advisory solutions and supports retirement plans with consulting, investment selection, education, and reporting services.

Theresa Ramirez is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to provide a comprehensive planning experience for clients. She has held various roles within Fidelity Investments since 2020, including Relationship Manager from 2021 to 2023 and Financial Representative from 2020 to 2021. Theresa holds a California Insurance License.

Mark Gregory is a financial advisor with Charles Schwab based in El Segundo, CA. He holds the Series 63 and Series 66 designations and has 15 years of industry experience. His prior work includes roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options using multi-asset model portfolios, supported by centralized custody and a formal alternative-investment onboarding process.

Monica Grubbs is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, she held roles in retail and youth sports organizations and has a background that includes involvement with the Apex1 Volleyball Club. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analysis methods.

Daniel Landry is a financial advisor with J.P. Morgan Securities and holds Series 66 and Series 63 licenses. He has 12 years of industry experience, including prior roles at Wells Fargo and E*TRADE, and worked at Valet Living from 2019 to 2021. J.P. Morgan Securities LLC 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 recommendations.

Timothy Healy is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers specialized planning in areas such as business-owner transition, sports and entertainment, and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Marco Vasquez is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Wells Fargo Advisors, and Wells Fargo Bank. Outside of his advisory work, he is involved in rental property management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a large national network of advisors and branches. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Azouz is a financial advisor at LPL Financial in El Segundo, CA, with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Summit Financial Group and Summit Brokerage Services. He is involved with Paradigm Financial Planning Group, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

James Cox is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 63 designation and 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques such as Monte Carlo simulations in its financial planning process.

Michael Baghramian is a Senior Financial Advisor and a Senior Vice President at Merrill Lynch Wealth Management. He is also a co-founder of The Peninsula Group, where he works closely with a select group of clients, providing attentive focus and developing thoughtful strategies to support their financial goals. Before joining Merrill Lynch in 2024, Michael spent 17 years at UBS and Morgan Stanley. Michael's expertise includes tax-sensitive portfolio design, alternative investments, risk analysis, and strategies for concentrated and restricted stock. He is experienced in providing customized lending opportunities and liquidity strategies and has a deep understanding of RSUs, stock options, and ESPP. Michael's client focus areas include college education planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, portfolio management services, and tax minimization. He holds a B.S. in Management Science from the University of California, San Diego, and maintains California life and health insurance and annuity licenses. Michael grew up in Palos Verdes Estates, where he currently lives with his wife and three children. Outside of work, he is involved in his local church and enjoys playing beach volleyball.