Andrew Rayner is a financial advisor with Morgan Stanley in Los Angeles, California, holding a Series 66 designation and 13 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2016 and was previously with Morgan Stanley Private Bank, N.A. from 2016 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and economic modeling techniques.

Andrew Price is a financial advisor at Morgan Stanley with 42 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He holds a Series 63 designation. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and approved planning tools but does not provide individual security recommendations as part of the standalone planning service.

Janelle Koester is a Series 66-licensed financial advisor at Wells Fargo Clearing with 17 years of industry experience. She has been with Wells Fargo Clearing since 2016. 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, emphasizing diversification and modern portfolio theory in its investment approach.

Ara Mekhitarian is a financial advisor at LPL Financial with 22 years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Investments. Mekhitarian is also associated with Lion Street Private Client Group as a financial advisor focusing on non-variable insurance. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, providing advisory and brokerage services through a large network of investment adviser representatives.

Juan Ramirez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in April 2016 and provides financial strategies to businesses, families, and individuals. By serving as a comprehensive financial resource, he identifies clients' needs and objectives, using a goal-based approach to deliver tailored advice and guidance aimed at reaching their long-term goals. His areas of expertise include college education planning, corporate executive services, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, philanthropic planning, portfolio management services, individual and corporate investment strategy, and tax minimization. Juan holds several professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Juan earned a Bachelor's Degree from Universidad Externado De Colombia and a Master of Business Administration (MBA) from Pepperdine University. He is fluent in Spanish and English. Outside of work, he enjoys cooking, golfing, running, and soccer. He also participates in volunteer activities within the community.

Jordan Yoshitake is a financial advisor at LPL Enterprise with 14 years of experience in the industry. He holds Series 63 and Series 65 licenses and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he volunteers with the Hawaii Tax Institute Foundation, engaging in nonprofit conference sponsorship networking. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm employs model-driven investment implementation and offers access to financial planning, third-party asset managers, and insurance products through its affiliated entities.

Gurdeep Singh is a CFP®-designated financial advisor with Mass Mutual Investors Services, bringing 32 years of industry experience. His prior experience includes 23 years with Metlife Securities Inc. In addition to his advisory role, he works as an independent insurance agent selling disability and health insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements tailored to clients’ goals.

Vahe Baban is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at MORGAN STANLEY SMITH BARNEY llc since 2014. Outside of his advisory role, he serves as Treasurer on the board of a Home Owners Association in Studio City, California. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Andrew Kiernan is a financial advisor at UBS Financial Services with 32 years of industry experience. He has been with UBS since 1993. Outside of his advisory role, Kiernan is involved in media and film production, including serving as a media council member for The Paley Center for Media and owning Kiernan Films LLC, which focuses on movie projects. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Miranda Aparicio Rios is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A. and Bacari. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers a broad range of derivatives and commodities capabilities.

Kai Li is a financial advisor with J.P. Morgan Securities in Los Angeles, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at Goldman Sachs, State Street, and PricewaterhouseCoopers, alongside multiple positions at Northeastern University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to develop model asset allocations, with clients retaining final decision-making authority.

Richard Duffy is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds a Series 63 designation and has worked in various capacities within Morgan Stanley since 2014, including roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including customized financial planning supported by firm-approved tools and research.

Jeffrey Goodrich is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 40 years of industry experience. He has worked at several firms including Bank of the West, BancWest Investment Services, Valley Financial Management, and U.S. Bancorp Advisors. Outside of advisory work, he has engaged in teaching at UCLA and has authored publications. 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 financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and a variety of portfolio construction approaches.

Edward Gowing is a Series 66-licensed financial advisor with J.P. Morgan Securities in Los Angeles, CA, and has two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2024, he spent ten years with Nksfb, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative due diligence, integrates ESG criteria, and utilizes broader derivatives and commodities capabilities.

James Hutchinson is a financial advisor with Raymond James Financial in Encino, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has worked at Raymond James Financial since 2002 and was previously a partner at Core Financial Group, where he also served as an administrator. In addition to his advisory role, Hutchinson is involved in non-variable insurance sales. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and investment consulting using analytical tools and supports institutional consulting as well as municipal and public-finance work.

David Niehaus is a Private Wealth Advisor with experience advising private clients and institutions for over two decades. He began his career as an analyst at JPMorgan in 1996 and joined Merrill in 1999 as a founding member of the Jones Zafari Group. His expertise includes asset allocation strategy, global equity portfolio management, and investment manager selection. In his current role, he oversees his team's asset allocation process and focuses on assisting multigenerational families undergoing significant liquidity and life events requiring advanced planning strategies. David received his Bachelor of Arts degree from Claremont McKenna College, graduating Cum Laude. He holds the Chartered Financial Analyst (CFA) designation as well as the Personal Investment Advisor (PIA) credential. He and his wife Leah reside in Manhattan Beach, California, with their three children. David is involved in his community as a recreational tennis player and supporter of youth sports. He serves on the Parent Advisory Board for the South Bay Lacrosse Club, volunteers with Mira Costa High School Varsity Tennis, and supports several organizations including New City Church, Claremont McKenna College, Homes of Hope, Marymount High School, First Break Academy, and the Manhattan Beach Education Foundation.

Charlene Preciado is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She has worked at Wells Fargo Clearing since 2006, with additional experience at Barclays Capital Inc., UBS Financial Services, and Citigroup Global Markets. Outside of her advisory work, she is an independent distributor for Rodan and Fields, focusing on product sales. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Gloria Suard is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 credential and has previously worked at Morgan Stanley and OSAIC. Outside of her advisory role, she is involved with TA Law Group in a legal capacity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and offers advisory services for registered investment companies and charitable funds.

Andrew Waldbaum is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2014. Waldbaum serves as a board member for the Rutgers University Advisory Board for their Los Angeles Customer Experience Certificate Program. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Justin Demko is a financial advisor at UBS Financial Services in Los Angeles, holding a Series 66 credential with 26 years of industry experience. He has been with UBS since 2013. Outside of his advisory work, Mr. Demko is involved in agricultural and aviation businesses, including managing avocado cultivation and aircraft ownership. He also serves on the board of Angel Flight West, a medical charity that provides air transportation for those in need. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.