Mahyar Mohammadzadeh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Ameriprise Financial Services LLC and Bankers Life entities. Outside of his advisory duties, he is involved in health insurance trials with Blue Shield of California. 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.

Alexander Franklin is a financial advisor with Ameriprise in West Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of advising, he is a 50% owner of a retail franchise business, The UPS Store #2906, in Calabasas, CA. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm serves clients through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Brent Rite is a Financial Consultant currently working at Fidelity Investments since 2022. He has over a decade of experience in the financial services industry, having held positions such as Financial Consultant at E*Trade from Morgan Stanley between 2018 and 2022, Senior Financial Consultant at TD Ameritrade from 2017 to 2018, Associate Financial Consultant at Charles Schwab & Co. from 2014 to 2017, and High Net Worth Specialist in Active Trader Services at Charles Schwab & Co. from 2011 to 2014. Brent is licensed with the California Insurance License and focuses on understanding his clients' life priorities and financial goals. He emphasizes building financial plans tailored to what his clients value most, aiming to put their interests first.

Susan Romaine is a financial advisor with UBS Financial Services in Sherman Oaks, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with UBS Financial Services since 2014. Outside of her advisory role, she is the founder, treasurer, and a board member of a kitten rescue organization, where she is involved in fostering, event planning, and policy review. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Nancy Chappell is Vice President and Financial Consultant at Fidelity Investments. She works with high net worth individuals to develop customized and comprehensive financial plans that support informed decision-making. Nancy collaborates with clients to gain insight and clarity regarding their priorities and the financial tools and resources available through Fidelity. Nancy has been a Financial Consultant at Fidelity Investments since 2018. Prior to that, she worked as a Financial Advisor at Morgan Stanley from 2015 to 2018. She holds a California Insurance License.

Patrick Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a broader set of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Arifa Forbes is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2004, including her current role at Wells Fargo Clearing since 2016. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Christopher Grooms is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has worked at several Charles Schwab entities since 2020. His prior experience includes roles at Driven2Deliver, LLC, Barton Associates, and FedEx Freight. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Peter Rosenberg is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following five years at HSBC Securities (USA) Inc. and HSBC Private Bank. Outside of his advisory role, he is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and methodologies.

Adam Lorimer is a financial advisor at Morgan Stanley in Santa Monica, CA, holding Series 63 and Series 65 designations with six years of industry experience. His prior roles include positions at The Vanguard Group and experience in campus recreation and community organizations at the University of Arizona and JCC Metrowest. Outside of his advisory work, he is involved in property management through KMK Management. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Lillian Appleby is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She worked at UBS Financial Services from 1998 to 2006 before joining LPL Financial, where she has been since 2006. Appleby is also a co-founder and COO of Cryztal Prizm, a family business focused on e-commerce and innovative internet projects. 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 access to third-party asset managers and model portfolios.

Brian Smithers is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America, N.A. since 2011. 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 strategies constructed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Najera is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior work experience with firms including Morgan Stanley, Lyft Inc., and Uber Technologies. Outside of his advisory role, he has been involved in private security work. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Rennie Chan is a Series 66-licensed financial advisor with Morgan Stanley in Los Angeles, CA, bringing 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 2007 to 2009. Outside his advisory role, he owns a retail business focused on art and culture. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and provides planning through structured processes using firm-approved tools.

Elaine Habif is a financial advisor with Morgan Stanley in Sherman Oaks, CA, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves on the board of The Seeds of Change, a nonprofit focused on disaster relief and humanitarian efforts for children and youth. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and comprehensive asset management.

David Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He serves as president and part owner of Richardson & Co CPAs, a tax and accounting firm, and is involved in real estate sales and mortgage loan origination. Additionally, he acts as treasurer for the Los Robles Estates Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment program options, including model portfolios, third-party managers, and bespoke strategies.

Vanessa Manquero is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JP Morgan Chase Bank and JP Morgan Securities LLC. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Augustine Choi is a financial advisor at Ameriprise with 26 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service, which provides ongoing retirement planning focused on income sources and tax-aware withdrawal strategies.

Joseph Kiesel is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior experience including roles at Ripcurl and academic positions at Pepperdine University and its Caruso School of Law. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning advice focused on income stability and tax-efficient withdrawal strategies.

Joseph Lavitt is a financial advisor with Ameriprise in Westlake Village, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients near or in retirement.