William Westling is a financial advisor with LPL Financial, holding a Series 63 designation and 39 years of industry experience. He has worked at LPL Financial since 2024, previously spending over a decade with Cetera Advisor Networks LLC. Outside of his advisory role, he operates a separate financial services business called Multi Benefits Analysis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement consulting, brokerage services, and model portfolio options supported by LPL Research and third-party subadvisors.

Steven Scerra is a financial advisor at Morgan Stanley with 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global 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 with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using advanced modeling tools.

Rafael Galeno Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked with Wells Fargo entities since 2014, including Wells Fargo Advisors and Wells Fargo Bank. Outside of his advisory role, he manages a vehicle rental business through the Turo platform. 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 approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Paul Masoner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Edward D. Jones & Co., L.P. for 21 years. In addition to his role at Wells Fargo, he owns The Masoner Group LLC, an independent financial practice based in Long Beach, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions tailored to clients who meet certain net-worth thresholds.

Robert Harte is a financial professional with 41 years of industry experience, currently with Cetera since 2023. He holds Series 63 and Series 65 designations and previously worked at Cetera Wealth Services, LLC for 13 years. Harte is also involved as treasurer and financial professional at Freitas Harte Planning, LLC, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing multiple program structures and a multi-manager platform with access to affiliated and third-party managers.

Cynthia Starks is a financial advisor at Cetera with 17 years of industry experience and holds a Series 66 designation. Her career includes over a decade at National Planning Corporation and multiple roles within Cetera and its affiliated entities since 2020. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a large network of independent advisors.

David Abdoush is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022. 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 delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Mike Kim is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he has partial ownership in a retail sales business based in Monterey Park, 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 advisory solutions. The firm’s process is IPS-driven and incorporates a range of investment products, including insurance-related vehicles and bank deposit sweep options, serving as an ERISA fiduciary in its advisory role.

Robert Saak is a financial advisor with Wells Fargo Clearing in Hermosa Beach, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Mark Schlig is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He worked at Raymond James & Associates for 12 years before joining Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Mark Tsujimoto is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera Wealth Services since 2013. Outside of his advisory role, he serves as chair of the benevolence committee at the Los Angeles Church of Christ and owns a business buying and selling sport cards. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers, supporting both discretionary and non-discretionary strategies.

Gustavo Amaral is a financial advisor with UBS Financial Services in El Segundo, California, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Amaral serves on the Board of Directors at the University of California, where he helps organize events and coordinate speakers. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides additional capital markets and banking products through its platform.

Taiczar Armstrong is a Series 66 licensed financial advisor with Fidelity Investments, located in El Segundo, CA. He has been with Fidelity since 2025 and has prior experience in construction management consulting through his role as a member of CapCity Project Consulting LLC. This side business focuses on construction project management and is separate from his advisory duties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Sahar Saedi Tehran is a financial advisor at Edward Jones in Torrance, CA, holding a Series 66 designation. She has three years of experience at Edward Jones and prior work experience in real estate and mechanical industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a variety of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Oybek Giyazov is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He has worked at Wells Fargo Bank since 2007 and held roles at Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Giyazov holds a Series 66 designation. Outside of his advisory work, he serves as president of the Luxury Laurel HOA in North Hollywood, overseeing meetings, budgeting, and building maintenance. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory solutions. The firm’s process is investment policy statement-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Flores is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., and Morgan Stanley since 2022. His prior work includes roles outside the financial sector in various companies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Thomas Crider is a financial advisor at Cetera with 28 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Wells Fargo Advisors and Americor. In addition to his advisory work, he is also an insurance agent providing fixed insurance products such as life, disability, annuities, and long-term care. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a large network of independent advisors and employs a multi-manager platform with a range of investment program options.

Alyssa Titus is a financial advisor with RBC Capital Markets in San Pedro, CA, holding a Series 66 designation and seven years of industry experience. Her career includes roles at Morgan Stanley, Edward Jones, and Bank of America, alongside two separate periods at RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs tailored to clients’ risk profiles and employs a combination of in-house and third-party investment managers along with a range of portfolio management options.

Ryan Narasaki is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 10 years. Outside of his advisory role, Narasaki serves as a pastor and elder on the board of directors at Lighthouse Community Church in Torrance, CA. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Robert Smotherman is a financial advisor with Ameriprise in Manhattan Beach, CA, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its predecessor firms since 1989. Outside of his advisory role, he manages a business focused on business expenses and has involvement in real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that incorporate income sources, Social Security strategies, and tax-smart withdrawals. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement income advice, supported by algorithmic tools and oversight committees.