Matthew Nahman is a financial advisor at Cetera with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Fidelity Investments, Mass Mutual Life Insurance Company, and Northwestern Mutual. Nahman is currently based in Hawthorne, CA. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports automated allocations, direct indexing, and unified managed accounts.

Virginia Ferrer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has worked with Wells Fargo entities since 2005 and serves as treasurer for the St. Lukes Preschool Booster Club. She is also a co-owner and treasurer of Fresh Prints & Design Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research-driven investment strategies with a broad range of financial products offered through affiliated bank and insurance companies.

David Anderson is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Bank of America. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and tailors recommendations using proprietary research and tools, with planning engagements typically discrete and fees negotiated based on scope and complexity.

Steven Parker is a financial advisor with J.P. Morgan Securities in Long Beach, CA. He holds Series 63 and Series 66 licenses and has 14 years of industry experience. Parker has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2013. He is also an owner and partner in SpaceX. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates both quantitative and qualitative research and includes an ESG eligibility framework in its recommendations.

Jonathan Gragg is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Cetera and has previously operated his own advisory business. Outside of his advisory role, he also works as an insurance agent selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or build custom strategies across various program structures and custodial relationships.

Katsuko Yamabe is a financial advisor with Primerica Advisors in Cerritos, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. She has been with Primerica Advisors since 1999 and also works as a partner at Yamada & Nakata CPA, an accounting firm. In addition to her advisory role, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Andrew Davis is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Hristo Stefanov is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at Cetera. He has held various roles within Cetera and its affiliated entities since 2013 and has been associated with Tower Square Investment Management LLC since 2015. Outside of his advisory work, he participates as a member of a homeowners association board, where he attends meetings and reviews budgets. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with diverse investment program options and oversight.

Ben Johnson is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and having 37 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment implementation is model-driven, offering access to third-party asset managers and a variety of financial planning and consulting services.

Stephanie Elias is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked with Bank of America since 2022 and has prior experience at USC Credit Union and the University of Southern California. Outside of her advisory role, she is the sole owner of a rental property business. 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 strategies supported by internal and third-party managers for a range of individual and institutional investors.

Vincent Woo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior positions include roles at City National Bank and RBC Capital Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations, to assist clients in developing financial plans.

Arthur Wexler is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at firms such as Edward Jones, Horace Mann Investors, and TIAA-CREF. Outside of finance, he is an early investor and partner in Tastry, an AI technology company focused on the wine industry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary advice on asset allocation, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

James Mercier is a financial advisor with Ameriprise in Long Beach, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm serves clients through a centralized consulting team and emphasizes use of Ameriprise-managed accounts and affiliated products.

Julianne Oshinomi is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the firm for over 20 years, providing clients with tailored financial advice and wealth management strategies. Julianne works alongside her team in Boca Raton, Florida, collaborating with multiple generations of affluent families to help identify their financial goals and implement strategies to meet their needs. Her role supports a disciplined approach to investing and personalized service. She holds a Bachelor's Degree from the University of Florida and carries professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Nicole Novales is a financial advisor with Charles Schwab in Torrance, CA, holding a Series 66 designation and 12 years of industry experience. Her career includes roles at LPL Financial and LBS Financial Credit Union prior to joining Charles Schwab and Charles Schwab Bank in 2019. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jeffrey Stoll is a CFP® with 27 years of industry experience, currently affiliated with Cetera. He has worked with Cetera since 1999 and operates his own CPA firm specializing in income tax planning and preparation. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and financial planning services.

Charles Nuwer is a financial advisor with J.P. Morgan Securities in Huntington Beach, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. His prior roles include positions at JPMC Bank NA, Principal Life Insurance Company, and Principal Securities, Inc. He also spent time working at Newport Harbor High School. 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 combines quantitative screens and qualitative research to deliver non-discretionary, customized asset allocation advice and investment manager searches, supporting clients who retain final decision-making authority.

James Dumbeck is a CFP® with 29 years of experience in the financial services industry. He currently works at LPL Financial and has prior experience with Waddell and Reed Inc, various insurance carriers, and teaching roles at Santiago Canyon College and Orange Coast College. Dumbeck is also a partner at Wavelength Insurance Consulting, Inc., focusing on non-variable insurance services. 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 other institutions. The firm offers a broad range of financial planning and investment management solutions through a large network of representatives.

Jerry Dillon is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities for 10 years. Outside of his advisory role, he owns and manages a rental property in St. Gardenia, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Brian Bellinkoff is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. His prior work includes roles at Northwestern Mutual Wealth Management Company and Selects Media LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.