Zoe Gerard is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank since 2010. Outside of her advisory role, she is a co-owner of Adela Wellness LLC, a women's wellness community business based in Los Angeles. 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 utilizes research and analytics to offer a range of brokerage and advisory solutions and supports retirement plans with consulting, investment selection, education, and reporting services.

Theresa Ramirez is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to provide a comprehensive planning experience for clients. She has held various roles within Fidelity Investments since 2020, including Relationship Manager from 2021 to 2023 and Financial Representative from 2020 to 2021. Theresa holds a California Insurance License.

Mark Gregory is a financial advisor with Charles Schwab based in El Segundo, CA. He holds the Series 63 and Series 66 designations and has 15 years of industry experience. His prior work includes roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options using multi-asset model portfolios, supported by centralized custody and a formal alternative-investment onboarding process.

Monica Grubbs is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, she held roles in retail and youth sports organizations and has a background that includes involvement with the Apex1 Volleyball Club. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analysis methods.

Daniel Landry is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Wells Fargo and E*TRADE prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice and manager searches through a non-discretionary Institutional Consulting Services program that incorporates quantitative modeling and an ESG eligibility framework.

Timothy Healy is a financial advisor with Wells Fargo Advisors in Long Beach, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Morgan Stanley Dw Inc. He has been with Wells Fargo Advisors since 2022. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs analysis, and uses proprietary research and planning tools to develop tailored recommendations for clients.

Marco Vasquez is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Wells Fargo Advisors, and Wells Fargo Bank. Outside of his advisory work, he is involved in rental property management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a large national network of advisors and branches. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Azouz is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has served at LPL Financial since 2002, with additional experience at Summit Financial Group and Summit Brokerage Services. He is also involved with Paradigm Financial Planning Group Inc. for tax and investment purposes. 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, model portfolio programs, and institutional platforms, supported by technology and a large network of advisors.

James Cox is a financial advisor with Morgan Stanley in Long Beach, CA, holding a Series 63 designation and 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques such as Monte Carlo simulations in its financial planning process.

Michael Baghramian is a Senior Financial Advisor and a Senior Vice President at Merrill Lynch Wealth Management. He is also a co-founder of The Peninsula Group, where he works closely with a select group of clients, providing attentive focus and developing thoughtful strategies to support their financial goals. Before joining Merrill Lynch in 2024, Michael spent 17 years at UBS and Morgan Stanley. Michael's expertise includes tax-sensitive portfolio design, alternative investments, risk analysis, and strategies for concentrated and restricted stock. He is experienced in providing customized lending opportunities and liquidity strategies and has a deep understanding of RSUs, stock options, and ESPP. Michael's client focus areas include college education planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, portfolio management services, and tax minimization. He holds a B.S. in Management Science from the University of California, San Diego, and maintains California life and health insurance and annuity licenses. Michael grew up in Palos Verdes Estates, where he currently lives with his wife and three children. Outside of work, he is involved in his local church and enjoys playing beach volleyball.

Scott Trout is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank since 2015, previously working at Morgan Stanley Smith Barney starting in 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions. The firm emphasizes tailored financial planning supported by proprietary tools and risk modeling, managing approximately $2.74 trillion in client assets.

Tunc Diptas is a Series 66-credentialed financial advisor with Wells Fargo Clearing, based in El Segundo, CA, and has 16 years of industry experience. He has worked at various Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he owns and operates two businesses focused on life coaching and website creation for small businesses. 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 options. The firm’s approach is grounded in modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Brandon Panfil is a financial advisor at Morgan Stanley in El Segundo, CA, holding a Series 66 credential with seven years of industry experience. His career includes roles at Morgan Stanley Private Bank and Signia Capital. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm’s approach involves structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

John Newitt is a financial advisor with LPL Enterprise LLC, holding 50 years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc., where he served from 2002 to 2026. Outside of advisory roles, he is president of Institutional Services Corporation, which provides administrative services to qualified retirement plans. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Reva Shakkottai is a financial advisor with RBC Capital Markets in Manhattan Beach, CA, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has worked at RBC Capital Markets since 2009 and at City National Bank since 2016. She serves on the UCLA Anderson School of Management Alumni Board of Directors as a representative of the MBA graduating class of 2002. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on each client’s risk profile and integrates in-house and third-party investment managers.

Malinda Difley is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to her current role starting in 2016, she worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory work, she serves as an investment committee member for St. Cross Episcopal Church in Hermosa Beach, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Michelle Blackmer is a financial advisor at J.P. Morgan Securities with two years of industry experience. She previously worked at Merrill for 26 years before joining J.P. Morgan in 2024. Michelle holds a Series 66 designation. 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 services alongside affiliated brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision-making authority.

Randall Takaki is a financial advisor with LPL Enterprise, holding the CFP® designation and securities licenses Series 63 and 66. He has 21 years of industry experience, with prior roles at The Prudential Insurance Company of America, Pruco Securities LLC, Takwealth, The Clark Group Asset Management, and Wells Fargo Advisors. Outside of his advisory work, he is the founder of FARENH, LLC, a retail sales business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Christopher Litty is a financial advisor with Ameriprise Financial Services, LLC in El Segundo, CA, holding Series 63 and Series 66 licenses and over 23 years of industry experience. His career includes roles at Oppenheimer, Merrill, and Banc of America Investment Services. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Trevor Kimbro is a financial advisor with Edward Jones in Torrance, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.