Audra Reed is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 21 years of industry experience. She worked at Merrill for 10 years before joining Wells Fargo Clearing in 2019. Outside of her advisory role, she serves as president of the Royal High School Girls Lacrosse Booster Club in Simi Valley, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Caitlin Bloom is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 63 and Series 65 licenses. Her prior experience includes roles at Nomi Health, Mitchell D. Becker MD, and UCLA Anderson School of Management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and models to support client outcomes and manages approximately $2.74 trillion in assets.

John Aylward is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior work includes five years at Morgan Stanley before joining Merrill and Bank of America in 2016. Outside of advisory work, he manages a family real estate investment LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America 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.

Yusuf Bhaimeah is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase Bank, N.A. for 24 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Cian Ward is a financial advisor with Morgan Stanley in Beverly Hills, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, Ward worked at First Republic Investment Management, Strategic Index Money Management, and Wallender & Associates. His background also includes roles outside finance, including positions at Chipotle Mexican Grill and Jamba Juice. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to assist clients in modeling financial outcomes.

Thomas Kreuzer is a financial advisor with Raymond James & Associates in Beverly Hills, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has previously worked at Morgan Stanley in multiple roles from 2009 to 2025. Outside of advising, Kreuzer is a 50% owner of The Great Wall Patch, a business he currently oversees and plans to cease operations within the year. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and municipalities. The firm offers tailored financial planning and non-discretionary investment consulting, supported by extensive research and multiple portfolio management styles.

Suranga Ganewatte is a financial advisor at J.P. Morgan Securities with four years of industry experience and holds a Series 66 designation. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, he has served in the United States Air Force since 2018, where he is a Health Service Manager. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines systematic quantitative and qualitative research to deliver customized asset allocation advice and investment manager searches, with clients retaining final decision-making authority.

Diana Salinas Reyes is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior experience includes roles at JPMorgan Chase, Citi Bank, and Wells Fargo. Outside of finance, she is involved with Escape Pilates Studio as a student teacher. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to a broad client base including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Joshua Freedman is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked with Bespoken Advisors, Inc. and has held various roles in the beverage industry, including positions at Casa Azul Spirits, Mezcal Amaras, and St. George Spirits. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and access to separately managed accounts, and operates under a fiduciary standard.

Kevin Cvitanov is a Financial Consultant currently working at Fidelity Investments since 2024. He has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2024 and Relationship Manager from 2020 to 2022. Prior to joining Fidelity, he worked at Vanguard Investment Group in various positions such as Supervisor from 2018 to 2020, Executive Resolution & Complaint Correspondent from 2016 to 2018, Investment Consultant from 2012 to 2016, and Investment Specialist from 2011 to 2012. Kevin holds a California Insurance License. His professional approach focuses on understanding clients' unique situations and collaborating to develop holistic financial plans tailored to their goals. He emphasizes education and transparency to support clients in making confident financial decisions and serves as a guide through an ongoing, dynamic process that adapts with clients through life events. Outside of his professional work, Kevin has personal interests that include cars, golf, horseback riding, movies, music, and reading.

Andy Chen is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process that incorporates firm-approved tools and modeling techniques.

Mike Gleason is a financial advisor with Wells Fargo Clearing in Beverly Hills, CA, holding Series 63 and Series 65 designations and 33 years of industry experience. He worked previously at Wells Fargo Investments, LLC for 10 years before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he co-owns a business with his spouse. 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 across a broad platform.

Kristen Keckeisen is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. She has worked at Barca & Barca Financial Network since 2020, providing administrative support, and also serves as a procurement consultant for Toyota Motor North America. Cetera Investment Advisers LLC is an SEC-registered firm 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 retirement services and operates a multi-manager platform with discretionary and non-discretionary program options.

Giovani Trinidad is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities in 2021, he worked at Wells Fargo Bank from 2014 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process integrates quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, while clients retain final decision-making authority.

Robert Wirthwein is a financial advisor at J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company, Wells Fargo, HSBC Bank, Fremont Bank, AXA Advisors, and Fifth Third Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative screening and qualitative research, includes an ESG eligibility framework, and offers expanded derivatives and commodities capabilities.

Gerad Herkey is a financial advisor at Morgan Stanley with 13 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of financial planning and advisory programs, utilizing structured planning tools and investment research to support client strategies.

Tracy Pulvers is a financial advisor at J.P. Morgan Securities with 60 years of industry experience. She holds Series 63 and Series 66 designations and has worked at several major firms, including RBC Capital Markets, Morgan Stanley, and Citigroup Global Markets. Since 2021, she has been employed by both JPMorgan Securities and JPMorgan Bank, enabling her to offer a range of banking products alongside her advisory services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG considerations.

Leon Yu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America since 2022 and has been with Merrill since 2021. Prior to his advisory roles, he spent time in mentorship and education positions. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

Andrew Lavoie is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding a Series 66 license and three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he operated Andrew Lavoie Consulting and worked at HCL America and Appetize Technologies. He is also an instructor at Coast Community College District, teaching basic finance, business, banking, and accounting courses. Wells Fargo Clearing provides retirement plan consulting to ERISA-qualified and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings than is typical for large institutional advisors.

Gloria Chang is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Richemont North America (Cartier) prior to joining J.P. Morgan. Chang serves on the board of Asian Americans Advancing Justice SoCal and advises beauty founders through BrainTrust Founders Studio. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.