Paul San is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2022. He previously worked for J.P. Morgan Securities LLC for nine years. Outside of his advisory role, he co-owns a rental property with his spouse. 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, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes an expanded investment menu featuring insurance-related products and bank deposit sweep options.

Austin Hwang is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2008 and Bank of America, N.A. since 2011. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Lawrence Solomon is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney LLC since 2012. Prior to that, he spent ten years at RBC Capital Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Diane Raben is a CFP® with 39 years of industry experience and is currently affiliated with Morgan Stanley in Santa Monica, CA. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of her financial advisory work, she is involved in activities related to art, culture, publishing, and technology. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers comprehensive financial and estate planning solutions.

Brian Schlichter is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as attorney-in-fact for his sister, managing certain investment-related matters. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, supported by Wells Fargo research and planning tools.

Christina Pallan is a financial advisor with Merrill in Santa Monica, CA, holding Series 63 and Series 66 designations and 19 years of industry experience. She has been with Merrill 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Grant Seybold is a CFP® professional with 10 years of industry experience, currently advising at LPL Financial. He has previously worked at OSAIC, FSC Securities Corp, and Marangola Financial Group, where he also provides tax preparation services and insurance sales. Seybold serves as president of the Financial Planning Association of Ventura County, organizing networking events for financial planners. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced research tools.

Joseph Gopez is a financial advisor at LPL Financial with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Transamerica Financial Advisors, Inc. and WFGIA. He is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. 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 range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

January Johnson is a financial advisor at Fidelity with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. Her prior experience includes positions at LPL Financial and Fifth Third Securities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and advisor to multiple registered investment companies, using systematic methodologies and AI-driven research tools.

Hasina Saleh is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked at LPL Financial since 2018 and previously held positions at INVEST Financial Corporation, U.S. Bancorp Investments, and Bancwest Investment Services. Saleh is also involved with Logix Federal Credit Union, where she has contributed for over a decade. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Ronald Roesler is a financial advisor with Wells Fargo Clearing in Los Angeles, CA, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has worked with Wells Fargo since 2009, including time at Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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 products and bank deposit sweep options among its investment offerings.

Griselda Hernandez is a Series 66 licensed financial advisor with Morgan Stanley in Westlake Village, CA, where she has worked since 2014. She has 11 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Sebastien Djavadi is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models, while acting primarily in an advisory capacity rather than as an ERISA fiduciary unless separately engaged.

Neil Okeeffe is a financial advisor with Charles Schwab in Woodland Hills, CA, holding a Series 66 designation and 20 years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2019, as well as prior experience at Bank of the West and BancWest Investment Services from 2016 to 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 management using multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Matthew Wagner is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding a Series 66 designation. He has one year of industry experience and previously held roles outside finance, including positions in education and the restaurant industry. Morgan Stanley Wealth Management is an SEC-registered investment 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 resources.

Ernestine Martinez is a financial advisor with Ameriprise in Thousand Oaks, CA, holding a Series 66 designation and one year of industry experience. She previously worked at Ameriprise Financial from 2007 to 2017 and returned to the firm in 2022 after several years in other roles. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides tailored, algorithm-supported recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies through a centralized consulting team.

Cory Colgan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., before joining J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. in 2025. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a range of investment products, including security-based swaps and futures commission merchant services.

Julie Opheim is a financial advisor at Raymond James & Associates with 43 years of industry experience. She has been with Raymond James & Associates since 2008. She holds the Series 63 and Series 65 designations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services.

Christopher Russo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, Russo serves as Chief Financial Officer of the Grace Foundation and is a 50% owner of Mad Mobile, a power washing business. 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 advisory process 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.

Matthew Philmus is a CFP® professional with nine years of industry experience, currently serving as an advisor at Fidelity. His prior work includes roles at Charles Schwab, TD Ameritrade, and Merrill. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and serves as a formal advisor to multiple registered investment companies.