Kristen Keckeisen is a financial advisor with Cetera, holding a Series 66 credential and four years of industry experience. She has worked at Cetera since 2025 and is also involved with Barca & Barca Financial Network, providing administrative support. Outside of financial services, she works as a procurement consultant for Toyota Motor North America. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

Robert Wirthwein is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior work includes roles at Northwestern Mutual, Wells Fargo, HSBC, AXA Advisors, and Fifth Third Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process to recommend funds and strategies within an ESG eligibility framework.

Allan Adriatico is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping families and businesses develop financial strategies that align with their needs, goals, and risk tolerance. Allan provides investment planning through a collaborative approach to help build, manage, preserve, and transition wealth. His work focuses on understanding each client's goals and concerns to create tailored wealth plans aimed at accomplishing their objectives. His areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and small business strategies. Allan offers clients a range of financial solutions and tools based on their unique circumstances, addressing priorities such as health, home, family, leisure, giving, work, and overall finance. Allan holds a High School Diploma from Martin Luther King High School and an Associate's Degree from Riverside City College. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of work, Allan spends time with his wife and three children. They enjoy traveling and exploring new food venues, particularly coffee shops. Allan is also involved in coaching basketball at local schools and youth sports teams.

Aren Kortoshian is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC from 2015 to 2022. 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, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice.

Nicky Chen is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMC Bank NA since 2019. His prior experience includes roles at CWL LLC and East West Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Gerad Herkey is a financial advisor at Morgan Stanley with 13 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 66 designation. 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 financial planning and advisory programs, utilizing structured planning tools and investment research to support client strategies.

Tracy Pulvers is a financial advisor at J.P. Morgan Securities with 59 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including RBC Capital Markets and City National Bank. Since 2021, she has been employed by both J.P. Morgan Securities and JPMorgan Bank, enabling her to offer certain banking products in addition to investment services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Leon Yu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America since 2022 and has been with Merrill since 2021. Prior to his advisory roles, he spent time in mentorship and education positions. 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 offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

Mark White is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory work, he owns a property in Los Angeles that is rented for film and television productions and serves on the Finance Committee of the Jonathan Club, a private dining social club. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by firm-approved tools and serves clients through both direct and corporate arrangements.

Nathan Towns is a financial advisor with Wells Fargo Clearing in Pasadena, CA, holding the CFP®, ChFC®, and Series 66 designations. He has 10 years of industry experience, including 12 years at Merrill before joining Wells Fargo Clearing in 2026. Outside of his advisory work, he owns a sole proprietorship through which he occasionally buys and sells basketball and football collectibles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, 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 and analytics focused on diversification and modern portfolio theory.

Jocelyn Moran is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Merrill and JP Morgan Chase Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling to support its advisory services.

Adam Fallert is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, Northwestern Mutual, and Prudential. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, with multiple investment platforms and both proprietary and third-party strategies.

Gloria Chang is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at multiple affiliated entities within the JPMorgan Chase organization since 2014. Outside of her advisory role, she serves as a board member of Asian Americans Advancing Justice SoCal and provides advisory services to beauty industry founders through BrainTrust Founders Studio. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework.

Justin Tabit is a financial advisor with Morgan Stanley in Beverly Hills, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is the sole proprietor of an investment-related real estate business in Venice, CA. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Mikko Sperber is a financial advisor at Edward Jones in Burbank, CA, holding a Series 66 designation with one year of industry experience. His prior roles include work at Pluto Partners and the Santa Monica Education Foundation. Sperber is also the founder and of counsel for Fundamental Strategy, a nonprofit management advisory where he mentors nonprofit executives and consultants. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 financial advisors.

Kevin McCarthy is a financial advisor at Raymond James & Associates with 42 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James since 2012. Outside of his advisory work, he engages in a TV consulting hobby related to soccer and hockey advertising. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting, utilizing a variety of portfolio management styles and affiliated research.

Michael Stern is a financial advisor with Cetera, holding CFP® and PFS™ designations and 12 years of industry experience. His prior work history includes roles at MML Investor Services, Massachusetts Mutual Life Insurance Company, and The Prudential Insurance Company of America. He is also an insurance agent involved in the sales of life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Ronald Munman is a financial advisor with J.P. Morgan Securities in Los Angeles, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has worked at J.P. Morgan Securities since 2008 and is also employed by JPMorgan Chase Bank, where he can offer bank products and services including deposit and credit products. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As part of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hilary Ketchum is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2014. 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.

Zachary Stitzer serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' goals, priorities, and financial circumstances to develop personalized wealth management strategies. His expertise includes college education planning, family wealth management strategies, retirement planning, and legacy planning, among other areas. Zachary emphasizes a client-centered approach, aiming to simplify investing complexities and provide guidance that aligns with clients' risk tolerance, time horizon, liquidity needs, and long-term objectives. He holds a Bachelor's Degree from Northeastern University and is a Personal Investment Advisor (PIA). Zachary is also involved with professional organizations such as Closer To Free and Discovery To Cure. Outside of his professional activities, he has interests in adventure sports, baseball, football, golfing, skiing, tennis, and traveling.