Patrick Norambuena is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has prior work history with Bank of America, The Prudential Insurance Company of America, Pruco Securities LLC, Charter Communications, and Frontier Communications. He is based in Los Angeles, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Vince Jones is a financial advisor at Thrivent Investment Management with a Series 66 credential and three years of industry experience. Prior to joining Thrivent, he held roles at firms including Cetera and Northwestern Mutual, and has also worked with various gig economy companies such as DoorDash and Uber Technologies. Outside of his financial advisory work, Vince serves as a high school baseball umpire for the California Baseball Umpires Association South Bay Unit. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and specialized planning in areas such as retirement and tax planning, with planning services delivered separately from managed-account programs.

Jessica Pasco is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to her current role, she has worked in various positions across the technology and recruitment sectors. She is also a notary public. 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 provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Matthew Goschnick is a financial advisor with LPL Financial in Manhattan Beach, CA. He holds a Series 66 designation and has experience with firms including Prudential Financial, PSC, Findex, and Thinking Financial Group. His career includes a period focused on travel and relocation between 2023 and 2024. 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 services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Jacob Kawahara is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and Asset Living: Younion. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and third-party sources.

Robert Pothier is a CFP® affiliated with Vanguard Advisers, holding Series 63 and Series 65 licenses. He has experience at Cetera Financial Group and previously operated Pothier Law Offices. He is based in Santa Monica, CA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that uses proprietary models to tailor asset allocations primarily through Vanguard funds and ETFs.

Patrick Fallis is a financial advisor at Fidelity with six years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2020. Prior to joining Fidelity, he held roles at Hornor, Townsend & Kent, LLC, Penn Mutual Life Insurance Company, and was involved in entrepreneurial activities including operating Varlamos Pizzeria. Strategic Advisers LLC, a Fidelity Investments company where Patrick works, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop systematic, model-driven portfolios and serves in formal advisory roles for multiple registered investment companies.

Larry Aguayo is a financial advisor with Ameriprise in Huntington Beach, CA, holding a Series 66 designation and 26 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 aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Penney Gagne is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, 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.

Michael Walter is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018, following prior roles at Bank of America N.A. and Merrill. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by a large-scale, integrated operational platform.

Suzanne Chai is a financial advisor with Fidelity Investments in Torrance, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include positions at Bank of America, Merrill, Waddell & Reed, and various insurance carriers. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, managing portfolios across mutual funds, ETFs, and ETPs with oversight and sub-adviser delegation.

Dawn Strachan is a financial advisor at OSAIC with 25 years of industry experience and holds the Series 66 designation. She has worked previously with Woodbury Financial Services and Questar Asset Management. Outside her advisory role, she is a certified divorce financial analyst and serves as Treasurer for Collaborative Practice California, a statewide collaborative divorce organization. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios.

Jeremy Booker is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and four years of industry experience. He previously worked at Oaktree Capital Management, LP for 14 years before joining Wells Fargo Clearing in 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

James Fletcher is a financial advisor with Merrill in Santa Monica, CA, holding Series 63 and Series 65 credentials and offering 42 years of industry experience. He has been with Merrill since 1979 and Bank of America since 2009. 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, offering model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional entities.

Eric Smutko is a financial advisor with Ameriprise in Simi Valley, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he is a co-owner of A-1G Skyraider, LLC. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports that incorporate tax-efficient strategies and Social Security analysis. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Alex Ganapolsky is a financial advisor with Wells Fargo Clearing in El Segundo, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to support portfolio construction, offering a range of services including non-discretionary consulting and discretionary Plan Level Investment Selection.

Kathleen Adams Brosterman is a financial advisor with Mass Mutual Investors Services in El Segundo, CA, holding a Series 66 designation and 39 years of industry experience. She has worked with MML Investors Services, LLC and MassMutual Life Insurance Co since 1989. Additionally, she maintains a sales agent role in the health and long-term care insurance sector. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to develop investment strategies without discretionary authority.

Jennifer Kao is a financial advisor at Wells Fargo Advisors with 23 years of industry experience and holds the Series 66 designation. She has worked within various Wells Fargo entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including specialized services such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop tailored recommendations.

Seth Wensel is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. He previously worked at Citibank and TD Bank before joining Merrill in 2021. 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 strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Ruiz is a financial advisor at Fidelity with 26 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC, where Hector works, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds structures.