Braden Duesler is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2022 to 2023, and before that, he was a Financial Planner at Lincoln Financial Advisors from 2020 to 2022. His professional experience includes retirement planning, investment strategies, and tax-efficient investing. Braden holds a California Insurance License. Outside of his professional work, he is interested in family activities, fitness, golf, parenthood, pets, and traveling.

Gary Fournier is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked at J.P. Morgan Securities since 2008 and also serves as an employee of JPMorgan Chase Bank, N.A. since 2010, enabling him to offer certain banking products alongside investment services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering non-discretionary advisory programs supported by centralized due diligence and ESG eligibility processes.

Lauren Holden is a financial advisor with OSAIC based in Torrance, CA. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she has worked at Hartwell Financial Services and has been involved with the South End Racquet and Health Club. Additionally, she has a background in full-time education spanning ten years. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, including third-party managed account solutions.

Matthew Crammer is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked extensively with Avantax Advisory Services and related firms for over two decades and has operated his own business, Crammer & Crammer, since 1997. Outside of advising, he is president of two tax preparation and accounting firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various model portfolios and third-party managers.

Mohammed Ayala is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including CUSO Financial Services, U.S. Bancorp Investments, Bank of America, Merrill Lynch, and Raymond James Financial Services. Ayala also had a 13-year involvement with Kali Botanical outside of his financial career. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Matthew Romero is a financial advisor at Merrill holding a Series 66 designation. He has experience working at Bank of America and Merrill since 2025. Prior to his financial services roles, he worked in education and retail sectors. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Richard Skelton Jr. is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He worked for Woodbury Financial Services for 20 years before joining OSAIC in 2024. Outside of his advisory role, he is involved in a family-owned horse riding stable on Catalina Island and occasionally assists with visitor guest rides and stable maintenance. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various portfolio construction tools and offers both discretionary and non-discretionary account management.

Vanessa Solis is a financial advisor at Charles Schwab with three years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank, SSB since 2022. Prior to that, she was with LBS Financial Credit Union from 2014 to 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by its large scale and integrated operational structure.

Yoonjae Gong is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at pursuing their short-, mid-, and long-term goals. He provides guidance on a range of financial topics including general investing, retirement planning, and emergency savings. Additionally, he can facilitate access to Bank of America specialists for banking, credit, home financing, and small business services. Yoonjae holds a Bachelor’s Degree from the University of California system and carries the Personal Investment Advisor (PIA) designation. He is fluent in English and Korean, enabling him to communicate effectively with a diverse client base. His approach centers on building relationships and offering ongoing advice as clients’ financial needs evolve.

Felipe Sebastian is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and JPMorgan Chase Bank since 2011. 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 delivered through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Brian Woo is a financial advisor with Morgan Stanley in Rolling Hills Estates, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at RBC Capital Markets, J.P. Morgan Chase Bank, and Bank of America. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models to assist clients and operates in both advisory and broker-dealer capacities.

Nicolas Faria is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 66 designation and has worked with various Fidelity entities since 2011, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and managed solutions.

Robert Critelli III is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 50 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He has also been a state-credentialed teacher since 1979, instructing adult investment classes in the Torrance Unified School District. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of financial planning and advisory programs, utilizing structured discovery processes and advanced modeling tools to support client planning.

Arnold Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Dye is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Todd Lubin is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jessmark Haruo Tanaka is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has previously worked at CUSO Financial Services, LP, and Wescom Financial Services, where he has been active for 18 years. Tanaka also maintains a role with Wescom Credit Union, reflecting longstanding involvement in financial services. 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, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Christopher O'book is a financial advisor at J.P. Morgan Securities with experience dating back to 2012. He holds a Series 66 designation and has previously worked at First Republic Bank, The PNC Bank, and JPMorgan Chase Bank, N.A. There are no additional notable outside activities disclosed. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael Wilhite is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2011 and Morgan Stanley Private Bank, National Association since 2015. 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 offers financial plans using structured discovery processes and firm-approved tools.

Nery Lemus is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.