Michael Ashburn is a financial advisor with Morgan Stanley in El Segundo, CA, holding a Series 66 designation and 18 years of industry experience. He previously worked at UBS Financial Services for 14 years before joining Morgan Stanley Smith Barney in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and models.

Robert Perez is a financial advisor at Ameriprise with two years of industry experience. Prior to joining Ameriprise, he worked for seven years at American Dream Homes. He holds a Series 66 designation and maintains a real estate license. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Kelsey Esswein is a financial advisor at Thrivent Investment Management with 11 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated firms since 2014. Outside of her advisory role, she works as an independent consultant for Arbonne International, sharing nutritional and skincare products. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a combination of planning and managed-account services under a consolidated billing option called “WealthPlan.”

Dwight Lee is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 28 years of industry experience. His prior roles include positions at Infinex Investments, Woodbury Financial Services, and Questar Asset Management. LPL Financial is an SEC‑registered investment adviser and broker‑dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations, through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non‑discretionary management supported by internal and third‑party research.

Huy Dang is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at several firms including MassMutual Life Insurance Co and Lenox Advisors. Outside of his advisory role, he owns an e-commerce business specializing in unique pillow designs sold through Etsy. J.P. Morgan Securities LLC 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 affiliated brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Edgar Arango is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Devin Blackburn is a financial advisor at Ameriprise with the Series 66 designation. His career includes roles at J.P. Morgan Private Bank, The Northern Trust Company, KPMG LLP, and several self-employed positions. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, 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 with algorithmic automation to deliver tailored retirement planning solutions.

Daniel Lind is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and 37 years of industry experience. He has worked at Ameriprise in multiple periods since 2021 and spent four years at Wells Fargo Clearing and seven years at Unionbanc Investment Services. Lind serves as a neutral arbitrator for FINRA disputes and cases and is a member of the Board of Directors for the Financial Planning Association Silicon Valley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a centralized team that collaborates with advisors. The firm uses proprietary research and algorithmic tools to provide recommendations within an investment universe influenced by its affiliated products and distribution arrangements.

Jonathan Morris is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2018, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, Jonathan worked at PlanMember Financial Corporation and New England Financial in various capacities related to financial services and new business analysis. Jonathan holds a California Insurance License, supporting his work in financial consulting. He emphasizes personalized financial planning, aiming to understand clients' families and goals to create tailored financial plans using Fidelity's technologies and resources. Outside of his professional work, Jonathan has interests in beach activities, cooking and baking, food, hiking, surfing, and traveling.

Frank Picarelli is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he owns a rental property business in Long Beach, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions grounded in an IPS-driven process and modern portfolio theory.

Sandeep Singh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and having 17 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Outside of finance, he is an officer and investor in Singh & Singh Investments Inc., which operates Ambala Sweets and Snacks, an Indian sweets and snacks restaurant. 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, using quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Eric Pagel is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and one year of industry experience. He has been affiliated with Wells Fargo entities since 2013, including Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad array of investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets across more than 14,000 advisors.

Mai Vu is a financial advisor at LPL Financial with 20 years of industry experience. He has been with LPL Financial since 2011 and holds the Series 63 and Series 65 licenses. Outside of advising, Mai Vu is involved in the restaurant business as a managing member of MJ Phuket Thai F&B LLC in Redondo Beach, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Chelsea Rojas is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Massachusetts Mutual Life Insurance Co and Northwestern Mutual. Outside of her advisory role, she is involved with Blue Water Girls, a beauty company she personally invests in and occasionally assists with order fulfillment. J.P. Morgan Securities provides institutional consulting services to clients such as corporations and foundations, offering asset allocation advice and customized performance reporting through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Christopher Johnson is a financial advisor with Wells Fargo Clearing based in El Segundo, CA, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at J.P. Morgan Securities and Bank of America. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Reinhard Behrens is a financial advisor with Morgan Stanley in Torrance, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

Zoe Gerard is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank since 2010. Outside of her advisory role, she is a co-owner of Adela Wellness LLC, a women's wellness community business based in Los Angeles. 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 utilizes research and analytics to offer a range of brokerage and advisory solutions and supports retirement plans with consulting, investment selection, education, and reporting services.

Theresa Ramirez is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to provide a comprehensive planning experience for clients. She has held various roles within Fidelity Investments since 2020, including Relationship Manager from 2021 to 2023 and Financial Representative from 2020 to 2021. Theresa holds a California Insurance License.

Gregory Avallon is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with MassMutual and its affiliated firms since 2016. Avallon is also the sole owner of Avallon Wealth Advisors LLC, through which he manages business revenue. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Mark Gregory is a financial advisor with Charles Schwab based in El Segundo, CA. He holds the Series 63 and Series 66 designations and has 15 years of industry experience. His prior work includes roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options using multi-asset model portfolios, supported by centralized custody and a formal alternative-investment onboarding process.