Emil Babayans is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following his work with Axa Advisors. He is involved in an outside fixed business under the DBA Emil Babayans and Associates. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a combination of in-house and third-party programs.

Scotland Garapedian is a Financial Advisor with Merrill in Westlake Village, California. He works as part of a family-based team to help clients take steady action toward a more secure financial future, unifying multiple aspects of their wealth in alignment with their goals and aspirations. Scotland supports multiple generations of families in navigating decision points related to careers, family dynamics, retirement ambitions, and legacy intentions. Clients served by Scotland include business owners, executives, professionals, and successful families. He assists them with key components of wealth management such as investments, savings, planning, retirement strategies, business succession, pre-liquidity event planning, and facilitates access to banking and lending through Bank of America. Scotland also serves as a resource during life transitions including new jobs, marriage, divorce, the death of a loved one, or the birth of a child or grandchild. Before joining Merrill, Scotland worked as an Annual Giving Officer at Pepperdine University. He holds a Bachelor of Arts degree in Organizational Communication from Pepperdine, where he was named the Outstanding Student for Organizational Communication. A former walk-on member and captain of the Division I Varsity Tennis Team, Scotland applies the same discipline and focus to his financial advisory role. He lives in Oak Park, California, with his wife, Ruby, and their two sons, and enjoys playing tennis and golf in his free time.

David Weible is a CFP® professional affiliated with LPL Financial, with 37 years of industry experience. He has been associated with LPL Financial since 1998 and founded Envision Wealth Management, Inc., where he has worked for 24 years. His background includes non-variable insurance activities connected to his independent wealth management work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies, supported by technology tools for operational and research purposes.

Joshua Saber is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked previously at Avantax Insurance Services and David J. Fender & Associates Inc. In addition to his advisory role, he is the CEO of Saber CPAs Inc., where he manages tax preparation, compilations, and business planning. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across multiple investment platforms.

Nicolette Kaldi is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has five years of industry experience and previously worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, she is involved in direct sales for a cosmetics company, creating content and customizing makeup palettes. LPL Enterprise provides advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Lily Berlinger is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A., Advisors Choice (West Coast Agency), and S. Retail Inc. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative screening and qualitative research, incorporating ESG criteria and supported by affiliated implementation and portfolio services.

John Short III is a financial advisor with UBS Financial Services, holding a Series 63 license and bringing 38 years of industry experience. He has been with UBS since 1997. Outside of his advisory work, he participates as an actor in a local haunted house attraction in Thousand Oaks, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored by proprietary research and model-based asset allocations.

Nicholas Green is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with OSAIC and has previously worked at Royal Alliance Associates, INC. and Sii. In addition to his advisory roles, he owns Green Tax & Financial, where he provides tax preparation services and sells fixed annuity products. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, and charities. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Esteban Amaya is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities LLC, and Bank of America/Merrill Lynch. Prior to his financial career, he spent six years at Enterprise Rent-A-Car. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions alongside research-driven investment approaches.

Antoine Abi Nader is a financial advisor with LPL Financial, holding a Series 66 designation and over 22 years of industry experience. His prior roles include positions at Western International Securities, J.P. Morgan Securities, Chase Investment Services, Wamu Investments, and Wells Fargo Investments. He is also the owner of a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, model portfolio programs, third-party asset management, and institutional platforms for individuals, retirement plan participants, banks, and trust companies. The firm supports a large network of over 22,800 advisors and manages more than $819 billion in discretionary assets.

Juan Ramirez is a Series 66 licensed financial advisor with 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, previously working at firms including J.P. Morgan Securities, Chase Investment Services, and Citigroup Global Markets. 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 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.

Pheap Chev is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services, LLC since 2021, with prior experience at TD Ameritrade from 2016 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator while advising multiple registered investment companies.

Sean Hetherington is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials. He has recently transitioned into the financial industry with experience beginning in 2025. Prior to his current role, he was involved in media and creative ventures, including founding Sean Hetherington Creative, Inc. and working with MGM - Evolution Media and Glitter & Sparkles Media. 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 mix of non-discretionary advisory relationships and discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment due diligence, and a highly integrated client service model.

Daniel Davidian is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at Western International Securities, Inc. and J.P. Morgan Securities. In addition to his advisory work, he serves as CEO and president of 5 Star Wealth Management Group Inc. and is active as a realtor and mortgage loan originator with Executive Realty & Finance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with research and operational tools.

Joy Brannan is a CFP®-certified financial advisor with Edward Jones, based in Northridge, CA, and has 30 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

James Spach is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 credential and has been with Ameriprise since 2006, including a prior year at Financial West Group. Outside of advising, he owns a tax preparation service and co-owns a management business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which combines written Recommendations and ongoing annual advice focused on income stability and tax-aware withdrawal strategies.

Carolrose Schlesinger is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. She worked at New England Securities for 17 years before joining LPL Financial in 2014. Outside of her advisory work, she is involved in life and medical insurance businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Leticia Garcia is a financial advisor with Wells Fargo Clearing in Westlake Village, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank, N.A. since 1989. Outside of her advisory work, she serves as a power of attorney and executrix for family members in San Antonio, TX. 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 manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Stephen Wilt is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work includes roles at Pepperdine University and other positions outside the financial sector. 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, pension plans, corporations, and charitable organizations.

Stephen Festa is a Financial Advisor with Merrill Lynch Wealth Management, where he works directly with clients to define and pursue their financial goals through tailored portfolio strategies. He focuses on providing ongoing advice and adapting financial plans as clients' needs evolve. Stephen's expertise encompasses a broad range of financial areas including general investing, retirement planning, and saving for unexpected expenses. He collaborates with clients to understand their priorities and develop short-, mid-, and long-term objectives. In addition, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Stephen holds the Personal Investment Advisor (PIA) designation and has completed accredited certificate programs from the Texas A&M University System and the University of Pennsylvania Wharton School of Business. Outside of his professional work, his personal interests include baseball, ice hockey, music, skiing, tennis, and watching movies.