Gabriel Castellanos is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Prior to his finance career, he worked at Pieology Pizzeria for two years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning.

Marcus Hwong is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 37 years of industry experience. His career includes roles at J.P. Morgan Securities LLC since 2012, as well as prior positions at firms including UBS Financial Services and Cetera Advisors LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured, non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process relies on centralized due diligence combining quantitative and qualitative research and incorporates ESG criteria in its recommendations.

Christopher Simonoff is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill and Bank of America since 2010, with prior roles at Athas Capital Group Inc and Nina Lending LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sheri Humphrey Apodaca is a financial advisor at Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 2013, and previously spent over two decades at Carat. Outside of her advisory role, she serves as a reservist poll worker in Glendale, California. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and emphasizes a tiered wrap-fee structure with ongoing oversight of its investment models.

Grant Goldstein is a financial advisor with J.P. Morgan Securities in Woodland Hills, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and One Capital Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with an ESG eligibility framework and benefits from its broader derivatives and commodities capabilities.

Timothy Hohn is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been associated with Primerica Financial Services since 2004 and also works with McLaren Industries and PFS Investments Inc. His outside activities include part-time sales of home-related products such as home security and automation through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and selective separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Eric Byun is a financial advisor with Charles Schwab in Encino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments, Deloitte, JP Morgan Chase Bank, and Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment management supported by centralized operational and custody arrangements.

Shant Topalian is a financial advisor with Ameriprise in Glendale, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, he worked at U.S. Bank and Currency Exchange International. Outside of his advisory role, he provides freelance photography services. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jing Liu is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and a centralized operational structure.

Megan Pritchard is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has three years of industry experience, including roles at Centene, University of California - Davis, and multiple hospitality businesses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

James Madigan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 2008 as a Research Associate at another firm and joined Merrill in 2012. He focuses on helping clients with education planning, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income strategies. James graduated Cum Laude in 2007 with a Bachelor of Science in Business Administration from Pepperdine University. He earned the Certified Investment Management Analyst® (CIMA®) designation in 2017 through the Investments & Wealth Institute™, taught in conjunction with the Yale School of Management. In 2018, he obtained the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc. His professional designations also include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is involved with organizations such as the College for Financial Planning and the Investments & Wealth Institute. James participates in community activities, including volunteering with Pepperdine University. His personal interests include baseball, basketball, reading, running, spending time with his family, tennis, and yoga.

Paul Artin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity since 2002, initially serving as a Financial Consultant until his promotion in 2008. Prior to his tenure at Fidelity, Paul worked as a Financial Representative at H&R Block Financial Advisors from 2001 to 2002. In his role, Paul focuses on creating a collaborative and supportive environment for clients, aiming to understand their goals and preferences to build personalized financial strategies. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, Paul has personal interests in fitness, golf, and soccer.

Zhihua Tang is a financial advisor with LPL Enterprise LLC, holding a Series 66 license and four years of industry experience. Their prior roles include positions at Coldwell Banker Realty & Brokers, MML Investors Services, LLC, and MassMutual Life Insurance Company. Tang is also engaged in mortgage and real estate services through Coldwell Banker Realty. LPL Enterprise, LLC offers investment advisory and brokerage services to a range of clients including individual and high-net-worth investors as well as institutional entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and various insurance and trust services.

Bobak Mirmiran is a financial advisor with Charles Schwab in Woodland Hills, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at TD Ameritrade and Axa Advisors. Outside of his advisory work, he serves as Chief Operations Officer at MIR Express, Inc., a UPS Store franchise where he manages business operations and process development. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. Schwab’s investment approach includes non-discretionary guidance with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Bianka Peneva is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her prior roles include positions at HSBC Securities (USA) Inc, HSBC Bank USA, N.A., J.P. Morgan Securities, and JPM Chase BANK. 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 approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

John Darmanian is a financial advisor with LPL Financial in Montrose, CA, holding Series 63 and Series 66 credentials. He has 27 years of industry experience, including prior roles at Western International Securities, Inc. and Citigroup Global Markets. Outside of his advisory role, he is involved as a parenting provider with the IHSS LA County program. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mathew Reyna is a Series 66-credentialed financial advisor at Merrill with three years of industry experience. His prior work includes roles at Bank of America and various positions ranging from logistics to education. 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 individuals, high-net-worth clients, and institutional investors.

Pedram Afzal is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Prior to joining Wells Fargo in 2022, he spent 10 years at J.P. Morgan Securities. Outside of his advisory work, Afzal is an author of a book titled "Overdraft Queen." Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, employing diversification and modern portfolio theory within the constraints of custodian platform options.

Delio Jaramillo Jr. is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior roles include positions at Morgan Stanley and GWFS Equities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Oscar Nevarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG eligibility frameworks and utilizing broader derivatives and commodities capabilities.