Kyle Freitas is a financial professional with six years of industry experience, currently affiliated with Cetera. He holds a Series 66 credential and has prior work experience at Northrop Grumman. Outside of advisory services, he is involved in insurance sales and operates a financial services business, Freitas Harte Planning, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with a network of over 10,000 advisors and more than $256 billion in assets under management.

Diana Vasquez is the Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2019, progressing through positions including Financial Consultant, Planning Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Tax Specialist at H&R Block and as a Client Relationship Specialist at Charles Schwab. Diana holds a California Insurance License. Her professional focus involves understanding clients' specific financial and retirement goals to develop tailored plans aimed at providing financial peace of mind. Outside of her professional work, Diana enjoys a variety of outdoor activities such as camping, hiking, swimming, and traveling, as well as engaging in puzzles.

Duncan McPhee is a Financial Consultant currently with Fidelity Investments, a role he has held since 2022. He specializes in working with clients who have both simple and complex financial and wealth planning needs, utilizing principles of goals-based planning to provide confidence, clarity, and structure regarding their wealth. He brings over a decade of experience to his current position, having previously served as a Financial Advisor at Wells Fargo Advisors from 2015 to 2022, a Private Client Advisor at JPMorgan Chase from 2012 to 2015, and a Financial Advisor at Morgan Stanley Smith Barney from 2011 to 2012. Duncan holds a California Insurance License. Outside of his professional work, Duncan has interests that include cars, comedy, gardening, pets, photography, and traveling.

Patricia Piceno Mendez is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and JPMorgan Chase Bank prior to her current role. She also has a background spanning twelve years with G By Guess. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Greg Prahser is a financial advisor at Morgan Stanley with 24 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2025, with prior roles at City National Bank and RBC Capital Markets. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Kevin Goyan is a financial advisor with Morgan Stanley in El Segundo, CA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that uses firm-approved tools and employs the Global Investment Committee’s return estimates and Monte Carlo simulations in its planning process.

Mustafa Raofi is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing Services, LLC since 2016 and Wells Fargo Bank NA since 2015. Outside of his advisory work, he owns and operates a parking and valet service business and serves as a caretaker for his father. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversification and portfolio management.

Mohamed Rafeek is a financial advisor with Primerica Advisors in Gardena, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1998. Outside of his advisory role, he is involved with Rafeek & Associates, Inc., a business formed for Primerica-related purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selectively managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on tiered percentage-based fees and ongoing oversight of its investment models.

Alexander Grieve is a Financial Consultant at Fidelity Investments, where he works directly with clients to develop financial plans that align with their individual financial objectives. He has been with Fidelity Investments since 2018, progressing through roles including Financial Representative, Business Development Manager, Relationship Manager, and Investment Consultant before assuming his current position in 2024. Throughout his tenure, Alexander has gained experience in client relationship management and investment consulting. He holds a California Insurance License, supporting his expertise in financial advising. Outside of work, Alexander has personal interests in fitness, golf, pets, and running.

Barry Streeter is a financial advisor with LPL Financial in Seal Beach, CA, holding 40 years of industry experience. His prior work includes over two decades at Waddell & Reed, Inc. and various insurance carriers. He is also involved with Wavelength Insurance Consulting, Inc. as an insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, 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 advisor representatives.

Vardan Pogosian is a financial advisor at LPL Financial with one year of industry experience. Prior to joining LPL Financial, he operated Pogosian Tax Planning Inc and worked at Pogosian and Company CPA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Prizer is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Cetera since 2025 and previously operated his own CPA professional corporation while working extensively with Avantax firms for over three decades. He is affiliated with Roadmap Wealth Management as part of a planned retirement and sale of his practice. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, leveraging a large network of over 10,000 advisors and managing more than $256 billion in assets.

Kiesha Earle is a CFA® charterholder with 19 years of industry experience. She is currently with Edward Jones and has previously worked at Vanguard and Capital Group Companies - American Funds Distributors, Inc. Earle owns and manages condo rental properties in Brooklyn, New York. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm offers a variety of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Zyanya De La Torre is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. She has worked at various J.P. Morgan entities since 2012, including JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Cecilia Corral is a financial advisor with UBS Financial Services who holds the Series 63 and Series 65 designations and has 32 years of industry experience. She has worked at UBS since 2020 and previously held positions at Wells Fargo Clearing, Wells Fargo Investments, LLC, and Charles Schwab. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets, custody, and lending solutions.

Ramiro Carvajal is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill and Bank of America, N.A. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kyle Agonia is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients from the Torrance/El Segundo office throughout his career. With over 25 years of experience in wealth management strategy, he advises individuals and families by developing personalized wealth strategies focused on high-quality assets that generate dividends and interest. Kyle’s expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and serves as a Portfolio Advisor in the Merrill Investment Advisory Program, where he helps clients meet their investment objectives by recommending a variety of investment strategies and portfolios. He earned a bachelor’s degree from the University of Southern California. Outside of work, Kyle enjoys baseball, chess, football, golfing, spending time with his family, and traveling.

James Barbara is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His career includes roles at Jeffries LLC and City National Bank. Outside of finance, he is the President of the Italian American Museum of Los Angeles and works seasonally as a Mountain Host at Mammoth Mountain ski resort. 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.

Daniel Higgins is a financial advisor with LPL Financial in Manhattan Beach, CA, holding a Series 66 license and eight years of industry experience. He has worked at LPL Financial since 2018 and spent thirteen years at GES prior to that. Outside of his advisory role, Higgins is a partner in a Thai restaurant business based in Redondo Beach, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Ross Mc Knight is a financial advisor at Edward Jones in Hermosa Beach, CA, with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities LLC, Symmetry Financial Group, and other firms prior to joining Edward Jones in 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of account types. The firm manages over $1 trillion in assets and offers a variety of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.