Kyle Lundberg is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones in Westlake Village, CA. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Alan Tores is a CFP® with 31 years of experience in the financial services industry. He has worked at UBS Financial Services since 2011, following eight years at Wells Fargo Clearing and two years at Prudential Equity Group. In addition to his advisory role, he is also a health agent for Claire Dexter. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor client plans and offers both fiduciary financial planning and principal trading activities.

Sholeh Salari is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients identify their financial priorities and develop strategies to pursue their financial goals. Sholeh holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned a Master of Business Administration (MBA) from Pepperdine University.

David Racusin is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials, and has 28 years of industry experience. His career includes roles at Merrill from 1999 to 2009 before joining Ameriprise in 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides customized written recommendation reports and ongoing retirement-income planning focused on income reliability and tax-aware withdrawal strategies.

Edward Kepple is a financial advisor with Ameriprise in Simi Valley, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise since 2011, including its affiliated entities. Outside of his advisory role, he owns and operates a tax preparation business under Edward H Kepple, CPA. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm delivers customized, written recommendations through a centralized consulting team, emphasizing managed accounts and algorithm-assisted planning.

W. Kevin Kessler is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Royal Alliance Associates, Signator Investors, and American General Financial Advisors. He also operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a broad range of advisory and brokerage services, including financial planning and third-party asset management.

Stephen Minihan is a CFP® professional with 20 years of industry experience, currently with Cambridge Investment Research Advisors. He previously worked for United Planners' Financial Services for 12 years and has been involved with Westlake Financial Advisors, LLC and his own advisory practice since 2013 and 2008, respectively. He volunteers as a tax preparer with the AARP Tax-Aide Program. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm offers both discretionary and non-discretionary management using multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Dennis Fox is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding a Series 66 license and 21 years of industry experience. He has been with Wells Fargo Advisors since 2012. Fox also owns Archer Strategies, Inc., an investment-related business, and holds a partial ownership in Westlake Private Wealth Management LP. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Willie Lopez is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2017. Prior to his career in finance, he worked at Target from 2012 to 2017. 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.

James Raft is a financial advisor at LPL Financial with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at firms including Lincoln Financial Securities Corporation and Independent Advisers Group Corp. Raft is also involved in selling traditional life insurance, fixed annuities, long-term care, and disability insurance through his own business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services using both proprietary and third-party strategies across various account types.

Hrant Kargayan is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Securities, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than is typical for large institutional advisers.

Gerald Roth is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Western International Securities, Inc., Citigroup Global Markets Inc., and Wamu Investments, Inc. Outside of his advisory role, he is involved as an insurance agent in accident, health, life, and variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other 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 a large network of investment adviser representatives.

Matthew Miles is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Tidemark Financial Partners and Playfair Planning Services. Outside of finance, he has experience working in the hospitality and retail sectors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative screening, qualitative research, and an ESG eligibility framework to support client decision making.

Robert Chow is a financial advisor at OSAIC with 34 years of industry experience. He holds a Series 63 designation and previously worked at Royal Alliance Associates, Inc. for 32 years. Outside of his advisory role, he owns a sole proprietorship involved in insurance sales. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach involves model-based asset allocation and portfolio optimization, with options for discretionary management and third-party strategies.

Shilu Shrestha is a financial advisor with Merrill in Newhall, CA, holding a Series 66 designation and having one year of industry experience. Shilu has worked with Merrill since 2015 and was previously employed at Bank of America, N.A. Outside of advisory work, Shilu is the owner of a rental property business in Richmond, CA. 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 offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ramez Haddad is a financial advisor with Merrill and holds a Series 66 designation. He has been in the industry for two years, with prior experience at Equitable Advisors and Bank of America. Outside of advising, he is the owner and developer of Revv Technologies, Inc., an automotive CRM and marketplace company. 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 individuals, institutions, and charitable organizations.

Anthony Khasho is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 credential and has previously worked at Holland Parker and the University of California. His background includes roles in education and cultural arts. Fidelity, through its Strategic Advisers LLC affiliate, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages advisory activities with oversight controls and conflict-of-interest evaluations.

Serria Rego is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 19 years of industry experience. Her prior roles include positions at Estately, where she assists clients in creating trusts and wills, as well as experience with United American Insurance Company, Zein Insurance Services, and Transamerica Financial Advisors. She also participated in a dance team managed by Pat Lacey for eight years. 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.

Donna Herme is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and market outcome simulations.

Paul San is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2022. He previously worked for J.P. Morgan Securities LLC for nine years. Outside of his advisory role, he co-owns a rental property with his spouse. 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, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes an expanded investment menu featuring insurance-related products and bank deposit sweep options.