Ryan Gill is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Waldorf Estoria and attended Arizona State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Evan Munaretto is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs & Co LLC. In addition to his financial roles, he has experience working with Soulcycle and Heyday Wellness LLC. 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 an ESG eligibility framework to guide its recommendations.

Raul Hernandez is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently affiliated with LPL Financial and BMO Bank NA, having previously worked at Wells Fargo in various roles. Hernandez balances his advisory work across these firms, contributing significant experience in investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, operating at scale with over 22,800 advisors and $819 billion in discretionary assets.

Daniel Venegas is a financial advisor at Equitable Advisors with 41 years of industry experience. He has held registrations including Series 63 and Series 65 and has worked at Equitable Advisors since 2000, previously affiliated with Axa Advisors for 20 years. He is the sole owner and shareholder of DCV, Inc., an S-Corp. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs, including third-party asset managers and LPL-sponsored offerings, focusing on aligning client information and risk tolerance with appropriate investment models.

Gerry Pak is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional clients. The firm uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Howard Marchbanks III is a CFP®-designated financial advisor with LPL Financial, bringing 33 years of industry experience. Prior to joining LPL in 2019, he worked with various insurance carriers and financial firms including Waddell & Reed, Inc. Marchbanks also has involvement with United Church of God, An International Association. 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 wide range of advisory and brokerage services supported by various investment platforms and technology tools, managing over $819 billion in discretionary assets across more than 22,800 advisors.

Tracy Peatling is a financial advisor at Edward Jones in Fountain Valley, CA, with 10 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Ameriprise and Parkland Securities. Outside of advising, she manages a residential rental property in Las Vegas with her husband. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of investment strategies and advisory services through a nationwide network of over 23,000 financial advisors.

Vanessa Ly is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 14 years of industry experience. She has worked at firms including Morgan Stanley, Fidelity Investments, Ameriprise Financial Services, and Oppenheimer. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Eddie Kaspar is a financial advisor with LPL Enterprise holding ChFC® and Series 65 credentials and has 43 years of industry experience. He has worked at Prudential Insurance Company of America since 1978 and most recently joined LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven approach to investment implementation and offers services including financial planning, access to third-party asset managers, and participation in wrap programs.

Marco Aguirre Espinosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Clearing since 2021 and previously held roles at LYFT and Wells Fargo Bank, N.A. Outside of his advisory work, he has also worked as a driver for LYFT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and acting as an ERISA fiduciary when providing investment advice.

Howard Hsieh is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2014. His prior work includes a role at East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and retirement services, featuring a multi-manager platform and various program structures with discretionary and non-discretionary options.

Greg Pitcher is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 credential and over 20 years of industry experience. His career includes roles at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2005. Outside of his advisory work, he is involved in managing a property management business in Mammoth Lakes, California. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through both direct and employer-sponsored plans.

Ashley Lyne is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise, Ashley held positions at The Ups Store and spent time at Durham University and La Salle University. Outside of financial advising, Ashley is involved with The Ups Store. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Alexander Dickson is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional services.

Erik Heimstaedt is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing for ten years. Outside of his advisory role, he is involved in managing a rental property in Newport Beach, CA. 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 employs research and analytics to evaluate investment options and provides both brokerage and advisory solutions at a large scale.

Joseph Mccullough Jr. is a financial advisor with Charles Schwab in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab since 2006 and Charles Schwab Bank, SSB since 2011. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab Center for Financial Research due diligence.

Winnie Leong is a financial advisor with LPL Financial based in Fullerton, CA, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. Her prior roles include positions at Securities America Advisors, Voya Financial Advisors, American General Financial Advisors, Valic Financial Advisors, and Citigroup Global Markets. Outside of her advisory work, she is also an artist. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and advanced technology tools.

Jessie M Vargas Gutierrez is a financial advisor with Merrill in Downey, CA. She holds a Series 66 designation and has one year of industry experience. Her prior roles include positions at Bank of America, TSG Wealth Management, and Tax Rise Inc, among others. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Erica Pitrone is a Series 66-credentialed financial advisor with Merrill in Brea, CA, where she has worked since 2015. She has 11 years of industry experience. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

James Townes II is a CFP®-designated financial advisor with 22 years of industry experience. He is currently with OSAIC and has held prior roles at Lincoln Financial Securities, Pacific Advisors, Leisure Wenden & Tsary Agency, Mutual of Omaha, and Aflac. Outside of his advisory work, he owns Townes Financial Consulting, providing business consulting for small business owners and financial education to community colleges and clergy members. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services with access to multiple platforms, third-party money managers, and employs a variety of tools for portfolio construction and management.