Daniel Chang is a CFP® and CFA® with 13 years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having joined in 2023. Prior to this, he worked at First Republic Investment Management, Inc. and FIRST REPUBLIC Securities Company, LLC for eight years. Outside of his advisory role, Mr. Chang serves as a trustee for a relative's trust account. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering a comprehensive range of advisory and brokerage services.

John Tracy is a Private Wealth Advisor at Merrill Private Wealth Management. He began his journey with Merrill Lynch Wealth Management during his high school and college years through internships where he gained experience reviewing dividend forecasts and earnings estimates. Since joining The Mallach Group full-time in 2000, John has focused on implementing integrated financial strategies to help clients optimize wealth across generations. John holds a Bachelor of Science degree in Finance and Marketing from Fairfield University. He also studied International Business at the American Continental University in London. In addition to his education, John has earned the designation of Personal Investment Advisor (PIA). Committed to community involvement, John volunteers for various causes and local events and serves on the Board of Trustees at LaSalle College High School. He pursues a healthy lifestyle, engaging in traveling and running, and encourages his clients to adopt fitness and nutrition habits.

Ali Navid is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. His prior roles include positions at Wells Fargo and Unionbanc Investment Services. Outside of his advisory work, he maintains ownership of a rental property in Thousand Oaks, CA. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Kimberly Ary is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Bank of America, Merrill, and entrepreneurial activities with Personal Pathways LLC dba Apex Fun Run and EZ-NetTools. 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, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Abdiel Rivas is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2022. His prior experience includes roles at Robinhood Financial, Charles Schwab & Co., Inc., Wells Fargo, and H&M. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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 sources.

Harutune Hamassian is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds a Series 66 credential and has worked with MML Investors Services, Inc. and MassMutual Life Insurance Company since 2001. In addition to his advisory role, he is a Certified Public Accountant providing tax preparation services since 1980. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative financial planning using firm-approved analytical tools and provides a range of event-driven planning programs.

Steven Tann is a financial advisor with Wells Fargo Clearing in Santa Monica, CA, holding Series 63 and Series 66 licenses and possessing 17 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank NA for a combined 10 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Patrick Joos is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2015. Based in Los Angeles, CA, his career has been focused solely within UBS Financial Services. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Daniella Echeverria is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and one year of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2024, and previously worked at Evoke Advisors and the University of Southern California. 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 an ESG eligibility framework. The firm offers non-discretionary asset-allocation advice, investment manager searches, and customized performance reporting.

Michael Ginestro is a Private Wealth Advisor with Merrill Private Wealth Management, focusing on managing fixed income strategies for the firm's clients. He has been in the financial services field since 1995, bringing extensive experience in municipal fixed income research, strategy, and portfolio management. Throughout his career, Michael has held leadership roles in fixed income departments at firms including Bel Air Investment Advisors LLC, Wells Fargo Wealth Management, and Charles Schwab Investment Management. He has experience managing portfolios for institutional funds and ultra-high net worth individuals, and has worked with a diverse client base including C-suite executives, private company founders, and venture capital and private equity principals. His expertise includes bond portfolio management, credit strategies, yield curve positioning, and department build-out and process implementation for fixed income groups. Michael holds a B.A. from Saint Lawrence University and is a former board member of both the National Federation of Municipal Analysts and the California Society of Municipal Analysts, where he also served as chairman. In his personal time, he enjoys golfing, skiing, music, and tennis, and resides in Los Angeles with his two children.

Clark Gaied is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Mechanics Bank, Advantage First Lending, Citizens Bank NA, and work with the University of California and UC Irvine School of Law. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Raffi Hamassian is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. He has worked at MML Investors Services LLC since 2024 and is also associated with Harutune Hamassian CPA APC, a CPA accounting firm providing tax preparation and bookkeeping services. Mass Mutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars. The firm emphasizes collaborative, goal-oriented financial planning using firm-approved analytical tools and offers event-driven planning services such as divorce and estate settlement planning.

Dayne Crist is a financial advisor at UBS Financial Services in Los Angeles, CA, holding Series 66 and Series 63 licenses with 11 years of industry experience. He previously worked for Sanford C. Bernstein & Co., LLC for 11 years before joining UBS in 2026. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations in advising clients.

Jesse Glaser is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 66 designation and has previous experience at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Frontlight Insurance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Abraham Ebriani is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He brings nearly 15 years of experience in the financial industry, having worked in real estate finance across Los Angeles and the West Coast, as well as in wealth and investment management on Wall Street. Abraham and his team focus on helping clients build, manage, and preserve their wealth while maintaining a commitment to service and integrity. He holds a Bachelor's Degree from UCLA and has earned the designation of Personal Investment Advisor (PIA). Abraham works closely with individual clients, families, and businesses, providing guidance tailored to their financial needs at various stages of life. He is also a member of the Jewish Heritage Network. Abraham speaks English, Hebrew, and Persian. His personal interests include cooking, golfing, reading, running, spending time with his family, and traveling.

Corinne Chooey Dizon is a financial advisor at UBS Financial Services with four years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining UBS, she worked at the University of Southern California and spent over a decade at Union Bank. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Sunil Prabhakar is a financial advisor with Ameriprise, holding 37 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver tailored, non-discretionary advice.

Melisa Bahmanyar is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds a Series 66 designation and previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2013 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Charles Mckeague is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding a Series 66 designation and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent two years with Wells Fargo Advisors, LLC. Outside of his advisory role, he has worked as a part-time Uber driver since 2018. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Jared Weinman is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at First Republic Investment Management and BNY Mellon Wealth Management. He serves as a board member for Growing Place, a nonprofit organization operating preschools and providing educational resources to early childcare teachers in Santa Monica, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment recommendations.