Richard Jacobsen is a financial advisor with Charles Schwab in Pasadena, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Charles Schwab and its bank affiliate since 2011 and 2013, respectively. 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 integrates non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Nicole Luo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank since 2014. 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, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

Rong Wang is a financial advisor with Merrill in Hacienda Heights, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities and Bank of America. 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 individual, high-net-worth, and institutional clients.

Eric Anderson is a financial advisor at Merrill with a Series 66 credential. He has experience at Bank of America and Merrill since 2025. Prior to his current roles, he was the owner of Method15, LLC, an engineering services business that has since been closed. He also worked at Northrop Grumman Corp from 2009 to 2017. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple program strategies and emphasizes manager selection and tax-efficient implementation, supported by its integration with Bank of America affiliates.

Richard Bratincevic is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns a real estate investment property in Glendora, CA. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by advanced modeling tools and a structured discovery process.

Jennifer Gershon is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. Jennifer works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Her expertise includes college education planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, and tax minimization. Jennifer draws on the investment insights of Merrill and the banking services of Bank of America to assist clients in navigating changing market conditions. Jennifer earned a bachelor's degree from Santa Clara University. She is committed to community involvement, including volunteering with the American Red Cross. Outside of work, she enjoys boating, cooking, gardening, hiking, music, reading, spending time with her family, swimming, and tennis.

Guillermo Salas is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been associated with JPMorgan Chase Bank, N.A. since 2011. Prior to that, he had roles at Wells Fargo Clearing and Wells Fargo Investments. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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 making recommendations.

Harout Garabedian is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 15 years at TD Ameritrade before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Shanon Still is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 registrations and 18 years of industry experience. Before joining Merrill in 2019, Shanon worked at Morgan Stanley for seven years. 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 serves individuals, high-net-worth clients, and institutional investors using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Danny Kim is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Los Angeles, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings with access to investment companies, private funds, and structured-product activities.

Hovhannes Markosyan is a financial advisor at Merrill with five years of industry experience and holds the Series 66 designation. He has worked at Bank of America, JP Morgan Securities, and Equitable Advisors. Outside of his advisory role, he serves as Director of Armerica, a nonprofit focused on promoting Armenian culture and community, and owns a consulting firm that advises businesses on operations and marketing. 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 investment strategies for a range of individuals and institutional clients.

Molly Sakahara is a financial advisor with Morgan Stanley in Los Angeles, holding Series 63 and Series 65 licenses with 26 years of industry experience. She has been with Morgan Stanley Private Bank since 2016 and Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves on the finance committee and board of SoCal Squash, a social and recreational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools in its planning approach.

Jack Crawford is a financial advisor with Thrivent Investment Management in Glendale, CA. He holds the Series 66 designation and has six years of industry experience, including prior roles at Swiss Growth Forum and Paso Robles Joint Unified. Outside of finance, he assists with organizing and facilitating offsite wine pouring events for SCULPTERRA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial plans without portfolio management or institutional advisory services.

Audrey Chang is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2018 and RBC Capital Markets since 2014. Outside of her advisory work, she is the owner and landlord of a rental property in Alhambra, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to assist clients but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts unless separately agreed upon.

Lilta Talavat is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at UBS Financial Services and First Republic Securities Company. She also serves as a Notary Public, providing document notarization services for clients. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations to provide a comprehensive range of financial services.

Joseph Naiman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with individuals, businesses, and nonprofit organizations, focusing on investment management, retirement planning, and philanthropic services. Joseph collaborates with clients to develop detailed wealth plans and investment frameworks, helping them implement strategies suited to their financial situations. His expertise includes retirement strategy, long-term planning, investment analysis, and management of individual and small business retirement offerings, including 401(k), profit sharing, and defined-benefit plans. Joseph has been with Merrill since 2012 and has worked in financial services since 2007. He previously held positions at Northwestern Mutual as a Financial Security Associate, New England Financial as a Financial Advisor, and began his career as an Equities Trader with Chimera Securities. He earned both his Bachelor of Science degree and his Master of Business Administration from the University of California, Los Angeles. Joseph holds the Chartered Financial Consultant (ChFC) and Certified Plan Fiduciary Advisor (CPFA) designations, among others. Born and raised in southern California, Joseph lives in the area with his wife and three daughters. He has served on the board of the Los Angeles Valley College Foundation. In his free time, Joseph enjoys basketball, boxing, camping, hiking, skiing, table tennis, traveling, and spending time with his family.

Annie Yu is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

William Hoa is a financial advisor with J.P. Morgan Securities in Monterey Park, CA, holding Series 66 and Series 63 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan in various roles since 2010. Outside of his advisory work, he operates an online resale business specializing in rare merchandise and secondhand items. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a program that emphasizes quantitative asset-allocation modeling, manager due diligence, and an ESG eligibility framework.

Juan De La Rama is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals.

Qing He is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cetera Investment Services, East West Bank, and Bank of America, as well as work with Easy Ways USA LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools but does not provide individual security recommendations as part of standalone plans.