ADVISOR BIO

Carl Edward Rice has been in the financial industry since 1976 and is currently registered with Morgan Stanley as a Registered Representative. Carl has been with Morgan Stanley since 2009 and has also held previous positions at Citigroup Global Markets Inc. and Lehman Brothers Inc. Carl is licensed to provide investment advice in 28 states and has passed the Series 7, Series 63, Series 65, and SIE exams. Carl specializes in portfolio management, financial planning, and asset allocation advice. Carl and Morgan Stanley provide investment services to a wide range of clients including high-net-worth individuals, insurance companies, corporations, and charitable organizations. Morgan Stanley is a large financial services firm that provides investment banking, securities brokerage, investment management, and wealth management services to individuals, institutions, and governments. Morgan Stanley has a broad client base and a wide range of investment services, including those provided to Carl’s clients. The firm provides investment advice in a variety of ways, including fixed fees, commissions, and percentage of assets.

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ADVISOR BIO

Carl Kawabe is a financial advisor registered with Wells Fargo Clearing Services, LLC. Carl Kawabe has been in the financial services industry since 1995. Carl Kawabe has passed the Series 66 and Series 63 exams and is registered in 27 states. Carl Kawabe also holds the Series 3, Series 7 and SIE licenses. Prior to joining Wells Fargo, Carl Kawabe was registered with Credit Suisse Securities (USA) LLC and Donaldson, Lufkin & Jenrette Securities Corporation.

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ADVISOR BIO

Carl Wong is a registered investment advisor representative with Fidelity Personal And Workplace Advisors. Carl Wong has been working in the securities industry for over 18 years. Carl Wong has passed the Series 66, Series 24, SIE, and Series 7 exams. Carl Wong is registered in California, Arizona, Florida, Massachusetts, New Mexico, and Texas. Carl Wong specializes in financial planning, portfolio management for individuals and businesses, and educational seminars.

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ADVISOR BIO

Carl John Friedemann has been in the financial services industry since August 20, 1991. Carl is currently registered with Ameriprise Financial Services, LLC in Poway, California. Carl has also been registered with IDS LIFE INSURANCE COMPANY. Carl has been in the industry for over 30 years, providing financial advice and services to individuals and businesses.

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ADVISOR BIO

Carl Walter Ludwigson is a financial advisor registered with Hightower Advisors, LLC. Carl has been a financial advisor since 2012 and is registered with the state of California. Carl is a Chartered Financial Analyst and has experience working in financial services. He is currently employed with Hightower Advisors, LLC and has worked with them since September 2021. Carl has previously worked at Bel Air in Los Angeles, CA. Carl specializes in providing financial planning, portfolio management, and treasury management services to a diverse clientele.

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ADVISOR BIO

Carl Edward Richardson is a securities professional with over 40 years of experience in the industry. He is currently registered with Hilltop Securities Inc. in Sherman Oaks, California, and specializes in providing financial planning, educational seminars, and portfolio management for individuals. Prior to joining Hilltop Securities Inc., Carl Edward Richardson has held positions at several well-known firms including Citigroup Global Markets Inc., CIBC World Markets Corp., BANC OF AMERICA SECURITIES LLC, SALOMON SMITH BARNEY INC., DEAN WITTER REYNOLDS INC., A.G. BECKER PARIBAS INCORPORATED, COMARK SECURITIES, INC., DRYSDALE SECURITIES CORPORATION, TRIPP & CO., INC., and UMIC, INC. Carl Edward Richardson holds a Series 63, Series 52TO, SIE, Series 7, and Series 1 license.

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ADVISOR BIO

Carla Osbourne is a registered representative with Stifel, Nicolaus & Company, Inc., working out of the San Diego, California office. Carla has been in the industry since February 2009, and has held previous roles with Southwest Securities, Inc. Carla is licensed in 30 states and is a Series 7, SIE and Series 66 licensed professional. Carla's areas of specialization include providing financial planning services, portfolio management for individuals, and retirement planning.

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ADVISOR BIO

Carla Renfield-miller is a financial advisor with over 11 years of experience in the industry. Carla is registered with Citigroup Global Markets Inc. and holds Series 7, 63, 66, and 24 licenses. Carla is also a registered investment advisor in California and New York. Carla specializes in portfolio management, financial planning, and security ratings. Carla's areas of focus include high net worth individuals, corporations, and other businesses, pension and profit-sharing plans, charitable organizations, and state or municipal government entities. Carla's professional experience includes roles with Citigroup, where Carla has been employed since 2011. Carla is also involved in other business activities related to books and working parent support.

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ADVISOR BIO

Carla V Reynolds is a financial advisor with over 16 years of experience in the industry. Carla is currently registered with Merrill Lynch, Pierce, Fenner & Smith Inc. and has been with the firm since October 2009. Prior to joining Merrill Lynch, Pierce, Fenner & Smith Inc., Carla was employed with BANC OF AMERICA INVESTMENT SERVICES, INC. Carla holds several industry licenses and certifications, including Series 3, 4, 7, 9, 10, 24, 52, 53, and 66. Carla is committed to providing clients with comprehensive financial planning and investment advice.

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ADVISOR BIO

Carla Koren is a registered representative with Morgan Stanley. Carla has over 37 years of experience in the securities industry. Carla is also a registered Investment Advisor. Carla's previous employment includes positions at CITIGROUP GLOBAL MARKETS INC., DEAN WITTER REYNOLDS INC. and PAINEWEBBER INCORPORATED. Carla has a broad range of experience in providing financial and investment advice to individuals, corporations, and institutions. Carla is also a board member of Girls Inc of Alameda County and is active in the community.

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