Ralph Williams Jr. is a CFP® professional with 50 years of industry experience, currently serving as the sole advisor at Sage Wealth Solutions, LLC. He previously worked for Centaurus Financial, Inc. for 17 years before founding his current firm in 2025. Outside of his advisory role, he is active as a director of music at Lancaster United Methodist Church and operates a college admission and financial aid consulting business. Sage Wealth Solutions is an independent investment adviser based in California, providing portfolio management and financial planning services to individuals, high net worth clients, trusts, estates, and business entities. The firm employs a multi-disciplinary investment process combining quantitative, fundamental, technical, cyclical, and economic analysis, and offers project-based financial planning with a particular focus on college planning.

Thomas Hartfield is the president of Hartfield Financial & Insurance Services, Inc. in Granada Hills, CA, with 21 years of industry experience. He previously worked at Western International Securities, Inc. for six years and has been with his current firm since 1991. Hartfield Financial and Insurance Services provides investment advisory and financial planning primarily to individual clients, as well as trusts, estates, and employer retirement plans. The firm uses a diversified, model-based asset allocation approach focused on mutual funds and ETFs, supplemented by fundamental, technical, and cyclical analysis, and combines investment advice with licensed insurance brokerage services.

Bradley Hartman is the sole advisor at Hartman Financial Planning in Santa Clarita, CA, holding a Series 65 designation with 18 years of industry experience. He has operated Options Trading & Education, LLC since 2003, focusing on options strategies and education. Hartman offers options education and paid workshops to individuals and groups, as well as market-timing models and subscription services to other investors and managers. Hartman Financial Planning provides fee-only financial planning and investment advisory services to individuals, families, high-net-worth clients, small businesses, and retirement plans. The firm emphasizes asset allocation and a fundamental, long-term buy-and-hold investment approach tailored to clients’ goals, time horizons, and risk tolerances.

Jazzmine Thomas is a financial advisor at Acrylic Financial, Inc. with five years of industry experience and holds a Series 65 designation. She is also a part owner of Top Shelf Financial LLC and maintains a life insurance license. Prior to her current roles, she worked at High Desert Medical Group and People Helping People. Acrylic Financial, Inc. provides portfolio management and financial planning services to individuals, including high-net-worth clients, other advisers, corporations, and pooled investment vehicles. The firm employs a combination of asset-allocation frameworks, active momentum models, and both fundamental and technical analysis to tailor investment programs to client goals and risk tolerance.

Michael Parrinello is a financial advisor with BCN Financial, Inc. He holds Series 63 and Series 65 credentials and has 29 years of industry experience. His prior work history includes roles at LPL Financial, Crown Capital Securities, and Quest Securities. Outside of his advisory work, he serves as a volunteer football coach in Valencia, CA. BCN Financial provides retirement plan advisory and financial planning services primarily to participants of employer-sponsored retirement plans and members of over 200 Police and Fire Department associations. The firm’s investment approach combines fundamental, technical, and sentiment analysis with market timing, focusing on mutual funds and ETFs while typically delivering specific non-discretionary advice tailored to available plan options.

Shkira Singh is a financial advisor with Secure Investment Management, LLC, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. Prior to joining Secure Investment Management, Singh worked at Transamerica Financial Advisors, Inc., and several other financial firms. Outside of advising, Singh is an author and speaker, with multiple published works on fitness and business topics. Secure Investment Management serves individuals, business entities, trusts, and estates, including both retail and high-net-worth clients, offering financial planning and portfolio management through a quantitative, factor-based investment approach that emphasizes diversified, long-term allocations using low-cost funds and tailored strategies.

Norine Correa is a financial advisor with Navy Federal Investment Services, LLC, holding the ChFC® designation and Series 63 and 66 licenses. She has 15 years of industry experience, primarily with various entities within the Navy Federal Financial Group since 2016. Outside of her advisory role, she owns Mother of Millions, a life purpose and spiritual coaching business. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers via the Envestnet platform and offers both discretionary and non-discretionary services, with additional programs for high-net-worth clients.

Glen Chester is a CFP® with 30 years of industry experience, currently serving as an advisor at Secure Asset Management, L.L.C. He has previously worked at SCF Investment Advisors, Inc. and SCF Securities, Inc. for nine years and has operated his own consulting business, Glen Chester & Associates, since 1994. Outside of financial advising, he provides consulting services on non-investment issues and computer/software matters. Secure Asset Management, L.L.C. serves individual clients, including non‑high-net-worth and high-net-worth households, offering personalized financial planning, discretionary investment management, and pension consulting for retirement plans. The firm employs a variety of investment strategies guided by written policies, using fundamental, technical, and cyclical analysis, and often incorporates third-party money managers and held-away account management.

Lucy Matsumoto is a financial advisor with Encompass More Asset Management LLC, holding Series 65 and Series 63 credentials and nine years of industry experience. Her prior roles include positions at Transamerica Financial Advisors, Inc., World Financial Group, Inc., and Axianta Financial Partners. She is also the owner of Lucy Matsumoto & Associates Inc., a business that manages commissions from her advisory and life insurance activities. Encompass More Asset Management LLC provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm uses model-based strategies incorporating proprietary models and third-party sub-advisers, offering a range of investment options including equities, fixed income, mutual funds, ETFs, private placements, and digital-asset related exposures.

Bhagwati Mahendru is a financial advisor with Realta Investment Advisors, Inc. and holds a Series 63 designation. He has 33 years of industry experience, including prior roles at Cetera Advisors LLC and First Allied Advisory Services. Mahendru serves as a board member for the nonprofit counseling organization Valley Family Center. Realta Investment Advisors provides discretionary and non-discretionary investment advisory services and financial planning to individuals, pension and profit-sharing plans, and institutional clients. The firm emphasizes individualized advice and utilizes a wide range of investment strategies across multiple asset classes, supported by its NOVA platform and third-party manager programs.

Jeffrey McCarty is a financial advisor with Simplicity Wealth and holds a Series 65 designation. He has 12 years of industry experience and has worked with firms including Prosperity & Legacy Wealth Management and Prestige Financial Advisors. Outside of his advisory roles, he assists veterans with filing compensation and pension claims and is involved in legal document preparation services through The Document People. Simplicity Wealth serves a diverse client base including individual and high-net-worth investors, retirement plans, and institutional clients. The firm uses a fund-of-funds investment approach with ETFs, mutual funds, and individual securities, offering model portfolios that are monitored and rebalanced regularly, alongside technology and operational services for other advisors.

Jennifer Joseph is a financial advisor with Eagle Strategies (NY Life) based in Santa Clarita, CA, holding Series 65 and Series 63 licenses and five years of industry experience. Her background includes roles with NYLIFE Securities LLC, New York Life Insurance Company, and FM Global. She is also involved with the United States Youth Volleyball League. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes customized recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Andrew Perceleanu is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Citigroup since 2017, following a one-year tenure at Xceed Federal Credit Union. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and regulatory merchant functions.

Steven Sansone is a financial advisor with Empower Advisory Group in Canyon Country, CA, holding Series 65 and Series 63 licenses and seven years of industry experience. He has worked at Empower Retirement since 2019 and previously at Pensionmark Financial Group, LLC and kPlans Investment Services from 2016 to 2019. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated service model is closely tied to Empower’s recordkeeping and administrative platforms, offering both single “point-in-time” financial plans and optional managed account solutions.

Andrea Osorio is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds a Series 66 designation and has worked at Citigroup since 2017 and JP Morgan Securities since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including acting as a swap dealer and futures commission merchant.

Emile Abinader is a financial advisor at Citigroup Global Markets with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2007. Abinader owns several rental properties in the greater Los Angeles area, managing these investments outside of his securities trading hours. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and blends large institutional scale with unique market roles, including swap dealing and futures commission activities.

Elias Martinez is a financial advisor at Kestra Advisory with six years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at Edward Jones, TekSystems, LPL Enterprise LLC, and Glendale Securities Inc. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and manages approximately $79.8 billion in assets.

Connor Dominici is a CFP® and holds a Series 65 license with five years of industry experience. He has been with Creative Planning since 2021 and has prior experience in fitness and biomedical companies, as well as roles at California Lutheran University. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, alongside private market investments and various retirement plan services.

Susan Rodriguez is a financial advisor at Citigroup Global Markets with a Series 66 license and four years of industry experience. She has been with Citibank since 2016, working across multiple roles within the firm. Citigroup Global Markets serves individual and institutional clients through its Private Bank, Global Wealth at Work, and Personal Wealth Management divisions. The firm offers a range of investment advisory programs and execution services, employing multi-asset, multi-manager strategies with a combination of internal oversight and external partnerships.

Daniel Wheeler is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66, Series 63, and Series 65 licenses. His prior experience includes roles at J.P. Morgan Securities, Merrill, Fidelity Investments, New American Funding, The Vanguard Group, and Morgan Stanley. 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 ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Humberto Jimenez is a financial advisor at LPL Financial with 16 years of industry experience and holds a Series 66 designation. Prior to joining LPL Financial, he worked at Ameriprise, CUSO Financial Services, California Credit Union, and Wescom Financial Services. He is also involved with Logix Federal Credit Union in a financial institution capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Christopher Ceciliane is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, and JP Morgan Chase. Outside of his advisory work, he pursues a personal hobby involving the buying, selling, and trading of athletic sneakers. Fidelity’s Strategic Advisers LLC division provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Joshua Maldonado is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at several major firms, including Merrill, Bank of America, US Bank, and CitiBank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Anterias Nerses Hindoyan is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and BLOM Bank. 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.

Esteban Sanchez is a Financial Consultant at Fidelity Investments, where he has been working since 2016. He has more than a decade of experience in financial services, having held roles as an Investment Consultant from 2014 to 2016 and as a Financial Representative from 2013 to 2014 within the same company. His expertise includes developing comprehensive financial plans tailored to individual client needs. Esteban holds a California Insurance License, supporting his work in financial consulting. Outside of his professional role, Esteban has personal interests in camping, family activities, hiking, movies, and volunteering.

Rodolfo Calderon is a financial advisor with Merrill in San Fernando, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, The Prudential Insurance Company of America, Pruco Securities LLC, and HCL Technologies. Calderon has worked at Merrill and Bank of America since 2018. 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 plans, corporations, and charitable organizations.

Robert Nugent is a financial advisor with LPL Financial in Santa Clarita, CA, holding Series 65 and Series 63 licenses and three years of industry experience. He has been with LPL Financial since 2022 and also has over a decade of experience at Logix Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management supported by research and model portfolios.

Fred Escobedo is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 credentials. His work history includes positions at Bank of America, N.A. since 2010 and Merrill since 2010. 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 plans, corporations, and charitable organizations.

Naimuddin Syed is a financial advisor with Ameriprise in Saugus, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Cantella & Co Inc and Ameriprise Financial Services, Inc. He also holds a real estate license. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Martin Cornelis is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services since 2021 and Bank of America and Merrill from 2015 to 2021. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios consisting of mutual funds, ETFs, and ETPs.

Herlin Meza is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies tailored to their short-, mid-, and long-term goals. His advisory services cover a wide range of needs including general investing, retirement planning, and preparing for unexpected financial challenges. Herlin holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from Northern Arizona University and is proficient in both English and Spanish. As part of his approach, Herlin emphasizes building a thorough understanding of each client’s unique situation to provide ongoing advice and guidance aligned with their evolving needs.

Carlos Cabrera is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He previously worked at Wells Fargo for 14 years before joining J.P. Morgan and JPMorgan Chase Bank, N.A. Outside of his advisory role, Cabrera owns businesses related to boxing news and apparel, catering, and shoe trading, and also works as an Uber driver. J.P. Morgan Securities 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.

William Gonzalez is a financial advisor with Edward Jones in Acton, CA, holding Series 63 and Series 66 licenses. He has 11 years of industry experience and has been with Edward Jones for 10 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management.

Sergio Tirado is a financial advisor with J.P. Morgan Securities in Mission Hills, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Target Corporation. 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 to inform their recommendations.

Tanya Sanchez is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021. Prior to this, she was employed at Bank of America, N.A. and has experience in education with PUC Schools and the University of California, Santa Cruz. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Abigail Ryan is a Series 66 licensed financial advisor at J.P. Morgan Securities with 10 years of industry experience. She previously worked at Merrill for six years before joining J.P. Morgan in 2018. Outside of her advisory role, she owns rental property. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager searches, and customized performance reporting through a combination of quantitative modeling and centralized due diligence.

Hugo Sanchez is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, and Merrill Lynch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Gregory Bishop is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds a Series 66 designation and has worked previously at Equitable Advisors and Axa Advisors, LLC. Outside of his advisory role, Bishop is the founder of Public Employee Resource Center, where he is involved as an author, educator, podcast host, and speaker. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering services such as financial planning, investment management, and retirement plan advisory. The firm delivers tailored investment strategies through a large network of independent Financial Professionals and provides access to proprietary and third-party model strategies across various custody platforms.

Sheldon Reed Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Prior to joining LPL Financial in 2025, he worked at CUSO Financial Services, Wescom Financial Services, Invest Financial Corporation, Logix Federal Credit Union, and JPMorgan Securities LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and technology-driven portfolio solutions.

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.

Hernan Martinez is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has seven years of industry experience, including roles at American Financial Network and Axa Advisors. Outside of finance, he owns an online recipe business and is an officer at an event venue that hosts weddings and parties. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting delivered through a select group of Wealth Advisors. The firm operates with a non-discretionary program supported by an in-house manager solutions team and a centralized due diligence framework.

Joseph Gertie is a CFP® with 40 years of industry experience, currently affiliated with Cetera since 2023. His prior roles include positions at Epic Estate Plans and Girard Securities Inc. He is involved in estate planning education and also operates a solar referral business. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, accommodating various investment program structures and client needs.

Darren Norton is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and eight years of industry experience. He has been with Thrivent and its affiliated entities since 2017. Outside of his advisory role, he consults in the optical disc and record label industry, assisting labels with transitions to new production facilities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a range of areas, combining planning with managed-account services under a consolidated billing arrangement called “WealthPlan.”

Michelle Elliot is a financial advisor at LPL Financial with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2018, following an 11-year tenure at INVEST Financial Corp. Additionally, she has been affiliated with Logix Federal Credit Union since 1992. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Chien Chen Huang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, Huang worked at East West Bank and has been associated with Primerica Financial Services and 99 Ranch Market. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-driven strategies and select separately managed accounts for individual and high-net-worth clients, primarily structured as a wrap-fee solution rather than institutional plan management.

Michael Gibbons is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 20 years of industry experience. His prior work includes positions at U.S. Bancorp Investments, JP Morgan Chase Bank, J.P. Morgan Securities, and Wm Financial Services. He is currently affiliated with Logix Federal Credit Union as well. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment technologies.

Anallely Madrigal Morfin is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2019. Prior to that, she worked at JPMorgan Chase Bank, N.A. and Fast Auto Loans. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Oscar Nevarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its services on a non-discretionary basis.

Robert Bagarotti is the sole advisor at Granada Capital Management, LLC, an independent investment advisory firm based in Granada Hills, CA. He holds a Series 65 designation and has 21 years of industry experience. In addition to his advisory work, he serves as Controller for Jons Marketplace, a supermarket, where he is responsible for finance and accounting. Granada Capital Management provides portfolio management and investment advisory services primarily to individual clients, operating with a very small client base and assets under management.