Richard Van Horn is a financial advisor with Morgan Stanley in Torrance, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a range of advisory programs to both individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools to support client goals.

William Shinen is a financial advisor at LPL Financial with 43 years of industry experience. He previously worked at Raymond James Financial and Raymond James Financial Services, Inc. for over 25 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches along with model portfolios and research from various sources.

Tony Tat Yan Lam is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously with Bancwest Investment Services, Bank of the West, and U.S. Bancorp Investments. His current role at LPL Financial follows a diverse career including prior institutions in the financial services sector. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning and retirement plan consulting, utilizing model portfolios, third-party research, and various technology-driven investment management solutions.

Richard Moon III is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Advisory Services and RMA Wealth Advisors. He is also a partner and manager of Richard Moon & Associates Accountancy Corp, an accounting services firm. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Stacy Thatcher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of experience at the firm. She is based in El Segundo, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Brianna Mackie is a financial advisor with Charles Schwab, holding a Series 66 credential and beginning her industry career in 2024. Her prior experience includes roles at Gabelli Funds and educational positions at Chapman University. She has also worked with the Borough of Avon by the Sea and the Spring Lake Bath & Tennis Club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment advisory services supported by multi-asset model portfolios and centralized operational infrastructure.

Yoon Chang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 23 years of industry experience. His prior roles include positions at Merrill and Bank of America. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sergio Garcia 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 various J.P. Morgan entities since 2008. Outside of finance, he is the owner of Quality Furniture Inc., a furniture manufacturing and sales business. J.P. Morgan Securities 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 combines large institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis.

Joseph D'arrigo is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 66 and Series 63 licenses and having 11 years of industry experience. His work history includes roles at JP Morgan Chase Bank and JP Morgan Securities LLC, as well as positions in academia at San Jose State University and the University of California, Santa Cruz. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

William Dramis is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan firms since 2011, including roles at JPMORGAN Securities LLC and JPMorgan Chase Bank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Brian Beldham is a financial advisor at Cetera with 26 years of industry experience and holds a Series 66 designation. His prior roles include positions at Ares Management Capital Markets and City National Bank. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and custodial relationships.

Nora Nosaka is a financial advisor with Primerica Advisors in Long Beach, CA, holding Series 63 and Series 65 licenses and having seven years of industry experience. She has been with Primerica Advisors since 2019 and has been associated with Primerica Financial Services since 2016. Outside of investment advising, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Edward Arcilla Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2022 and also has ongoing roles with CUNA Brokerage Services, Inc. and SchoolsFirst FCU. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research to support both discretionary and non-discretionary management strategies.

Ioan Peia is a financial advisor with Primerica Advisors in Anaheim, CA, holding Series 63 and Series 65 credentials and six years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of his advisory role, he is a member of Organized Chaos Studios LLC and co-founder of the 24/7 National Strategic Prayer Call. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Kyle Tarver is a financial advisor with Mass Mutual Investors Services in Los Angeles, CA. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at MML Investors Services LLC and MassMutual Life Insurance Company, as well as positions outside the financial industry. He is also engaged in insurance brokerage, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers through collaborative, annual planning engagements.

Kristen Kroeger is a financial advisor with OSAIC in Huntington Beach, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. She has worked with GenXFinancial since 2019 and was previously employed at Jhfn Sii from 2011 to 2018. Outside of her advisory role, she oversees accounts payable and receivable operations for Cottonwood Church. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage, investment advisory services, and access to third-party managers, utilizing asset-allocation tools and automated portfolio management across various securities.

Arielle Jaffe is a financial advisor at Cetera with 24 years of industry experience. She holds Series 63 and Series 65 designations. Her work history includes roles at Investacorp Advisory Services, Ladenburg Thalmann & Co. Inc., Securities America, and multiple entities within the Cetera network. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers portfolio management, financial planning, and access to various program platforms, managing over $256 billion in assets through a large network of independent advisors.

Curtis Kurtz is a financial advisor with Ameriprise in Lakewood, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its predecessor entities since 1982. Outside of his advisory work, Kurtz serves on the Board of Directors for the YMCA of Greater Long Beach, chairs its Finance Committee, and participates in community organizations including the Rotary Club of Lakewood and Los Altos United Methodist Church. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Evan Ocepek is a CFP® certificant with 15 years of industry experience and is currently affiliated with OSAIC. He previously worked at Woodbury Financial Services and Western International Securities, Inc. Evan is also a partner in Murphy Financial Services and acts as an insurance agent, recommending and assisting clients with insurance products. OSAIC serves a wide range of clients, including individual and institutional investors, offering integrated brokerage and advisory services supported by asset-allocation tools and access to third-party money managers across multiple platforms.

Jeremy Celentano is a financial advisor with Primerica Advisors in Huntington Beach, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Financial Services since 1999 and PFS Investments Inc. since 2001. Outside of investment advisory, he is involved in the sales of loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm offers advisory services through a large network of advisors using model-driven strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.