Jennifer Toney is a financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2013 and is currently associated with Morgan Stanley Private Bank, National Association. Toney holds a Series 66 designation. Outside of her advisory role, she is involved in managing an investment property in Mammoth Lakes, California. 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, including tailored financial planning that uses structured discovery and firm-approved tools to model outcomes.

Christian Frost is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Fidelity and its affiliates since 2010. Christian works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model strategies.

Galo Medina is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He previously spent over two decades with Avantax Advisory Services and Avantax Investment Services. Medina is also president of an independent insurance agency specializing in life, health, dental, and long-term care insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with a multi-manager platform that includes affiliated and third-party managers, serving over 10,000 advisors and approximately 800,000 clients.

Jennifer Carranza is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Bank of America and Merrill Lynch since 2014. Outside of her advisory role, she serves as Treasurer and a Board Member for the Parent Teacher Group at St. Jude of the Apostle School and works as an independent beauty consultant for Olive Tree People. 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, high-net-worth clients, and institutional investors.

Christina Bennett is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at LPL Financial in Tustin, CA. She has been with LPL Financial since 2008 and also works with Door Dash in a delivery service role. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services through a large national network of investment adviser representatives.

Moses Lee is a financial advisor at Fidelity with two years of industry experience. He holds Series 65 and Series 63 designations and previously worked at NYLife Securities LLC and New York Life Insurance. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios, and it holds distinctive roles such as a commodity pool operator registration and advisory functions for multiple registered investment companies.

Lisa Lighthipe Hinz is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 31 years of industry experience. She previously worked for Crown Capital Securities, LP for 21 years before joining LPL Financial in 2024. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Cesar Chavez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and JP Morgan Chase Bank. Outside of finance, he works as a music booking manager, coordinating live performances for various events. 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 through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Adrian Gaytan is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved as an owner and partner in a business utilizing residential property for Airbnb rentals. 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 operations with brokerage, distribution, and investment management capabilities.

Oscar Harrison II is a financial advisor with LPL Financial in Santa Ana, CA, holding Series 63 and Series 65 licenses and with 25 years of industry experience. He has worked at LPL Financial since 2017 and has been associated with Fremont Bank since 2013. Harrison also managed Sorrento Pacific Financial, LLC from 2013 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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 plan consulting, utilizing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research.

Rosario Nicho Casas is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Union Bank. Outside of his advisory role, he is an employee of Rover Group Inc., where he provides pet care services on weekends. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lewis Le is a financial advisor with Merrill holding a Series 66 designation and 16 years of industry experience. He has been with Merrill and Bank of America since 2011. Merrill, along 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 developed by internal and third-party managers.

Lisa Chapman is a financial advisor with UBS Financial Services in Seal Beach, CA, holding the Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at UBS since 1990. Outside of her advisory role, Chapman serves on the board and finance committee of the Memorial Medical Center Foundation and mentors at-risk youth through Operation Jump Start in Long Beach, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and tailored portfolio management.

Adriana Soto is a financial advisor at Raymond James & Associates with nine years of industry experience. She holds the Series 66 designation and has worked at Merrill, Bank of America, N.A., and Sigma Financial Corporation prior to joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ralph Occhino is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 43 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1988 and serves as president of Ralph Occhino Inc., a support company providing services to his sole proprietorship. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using risk profiling and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Becky Tapper is a financial advisor with Morgan Stanley in Long Beach, CA, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured financial planning process.

Jeffrey Cote is a financial advisor at Morgan Stanley in Los Angeles, CA, with 15 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services from 2015 to 2018 before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market models.

Luca Gandolfi is a financial advisor with Fidelity Investments in Brea, CA. He holds a Series 66 designation and began his advisory career in 2024. His prior experience includes roles at Provident Savings Bank and involvement with educational institutions and family business ventures. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs. The firm serves retail and institutional investors and is noted for its regulatory registrations and use of advanced technologies in investment processes.

Julie Le is a financial advisor at Morgan Stanley in Los Angeles, CA, with two years of industry experience. She holds a Series 66 designation and has worked previously at D.A. Davidson & Co., AmeriHome Mortgage, and UCLA. Outside of financial advising, she is involved as a social media ambassador with SoulSociety, a program connected to SoulCycle. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that employs structured discovery conversations and advanced modeling tools.

Jaime Garcia is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked extensively in financial and tax advisory roles, including long tenures at Avantax and Investax-related firms. Garcia serves as a trustee for a family trust outside of his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and providing access to affiliated and third-party investment solutions.