William Pratt is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 65 registrations and bringing 43 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party providers.

Petra Gisinger is a financial advisor at Primerica Advisors with 15 years of industry experience. She holds Series 65 and Series 63 designations and has worked in various roles within Primerica and PFS Investments Inc. since 2008. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm delivers advisory services using model-driven strategies managed by third-party asset managers and supports clients with custodial and trade execution services through Pershing.

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. His career includes roles at UBS Financial Services and JPMorgan Chase Bank, where he has been employed alongside his work at J.P. Morgan 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 while retaining client decision-making authority.

Lauren Holden is a financial advisor at OSAIC in Torrance, CA, holding a Series 66 designation. She has one year of industry experience, previously working at Hartwell Financial Services. Outside of finance, she has been involved with South End Racquet and Health Club and engaged in full-time education for ten years. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment process utilizes model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its large scale and complex affiliate network.

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.

Yuri Berdichevsky is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Bank of America, N.A. He is based in Playa Vista, CA. 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 and fund searches, and customized performance reporting within a non-discretionary program.

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 previously worked for Woodbury Financial Services for 20 years before joining OSAIC. Outside of his advisory role, he assists with a family-owned horse riding stable on Catalina Island, occasionally helping with daily ranch activities. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization with tools for discretionary management, third-party manager selection, and alternative investments.

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 at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at J.P. Morgan Securities since 2013 as well as at JPMorgan Chase Bank, N.A. since 2011. 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, with a centralized due diligence process supporting its recommendations.

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.

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 in Seal Beach, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Michael Dye is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He worked at UBS Financial Services for 15 years before joining Wells Fargo in 2016. 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 uses research from Wells Fargo Investment Institute alongside third-party data to support its investment approach.

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 Series 66-credentialed advisor at J.P. Morgan Securities with over 12 years of experience in the financial industry. His prior roles include positions at First Republic Bank and The PNC Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.