Lisa Miller is a financial advisor with UBS Financial Services in Brea, CA, holding a Series 66 designation and 20 years of industry experience. She has been with UBS since 2013. Outside of her advisory role, she is active as a trustee of the Miller Family Trust. 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 provides fee-based financial planning, portfolio management, and a range of capital markets services supported by proprietary research and model-based asset allocations.

Richard Medina is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank, Charles Schwab & Co., Inc., JP Morgan Chase Bank, JP Morgan Securities LLC, and OneWest Bank. Outside of his advisory role, he manages a small property as a landlord. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 operates a model that combines primarily non-discretionary advisory relationships with access to discretionary separately managed accounts and offers centralized custody and operational services.

Michael Praegitzer is a financial advisor with LPL Enterprise holding a Series 66 credential. He joined the firm in 2026 and has prior experience at Microsoft Corporation, The International Finance Corporation, and Bancap Investment Group, among other roles. His background also includes academic appointments at Georgetown University and the University of Maryland. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven portfolio management and offers access to third-party asset managers, along with affiliated trust, insurance, and lending services.

Sandy Devich is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory work, she is involved in rental property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services.

Sun Chang is a financial advisor with Merrill in Irvine, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2015. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Esther Moon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 registrations and bringing 19 years of industry experience. She has worked at J.P. Morgan since 2019 and previously held roles at Morgan Stanley and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. The firm’s program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Stanley Diliberto is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 34 years of industry experience. He has been with LPL Financial since 1997 and has operated his own CPA and financial planning firm, Stan Diliberto, CPA, CFP, Inc., since 1980. In addition to his advisory work, he provides tax preparation and limited small business accounting services through his CPA practice. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Alec Trujillo is a financial advisor at Morgan Stanley in Irvine, CA, holding Series 65 and Series 63 licenses with one year of industry experience. His prior roles include positions at J.P. Morgan Securities and Superior Adas & Calibrations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Esther Dunigan is a financial advisor with Equitable Advisors based in Irvine, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Equitable Advisors since 2015 and previously affiliated with AXA Advisors LLC. Outside of financial advising, she is a co-owner of Dunigan Creative, a photography and art design business. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, using a variety of third-party asset managers and advisory platforms.

Rajesh Upadhyaya is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with LPL Financial since 1999. Outside of advisory work, his SEC filings indicate involvement in non-variable insurance and mortgage origination activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and portfolio management solutions and supports advisors with research and operational tools.

Marshall Conrad is a Financial Consultant at Fidelity Investments. He has held various roles at Fidelity since 2016, including Investment Consultant and Relationship Manager. His approach to financial planning emphasizes listening and simplifying complex decisions to help clients focus on their priorities. Marshall holds a California Insurance License. Outside of his professional work, he has interests in comedy, fitness, golf, surfing, traveling, and volunteering.

Janet Berardino is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked at Wells Fargo Clearing since 2007, with a brief tenure at Merrill in 2010. Outside of her advisory role, she provides personal assistant services through ASPIRE in San Diego. 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 combines brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Matthew Petermann is a financial advisor with LPL Financial in Newport Beach, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at BMO Private Bank and Bank of the West. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using a range of discretionary and non-discretionary strategies.

Hamza Jannane is a financial advisor at Equitable Advisors with two years of industry experience and holds the Series 66 designation. His prior work includes roles at T3 Trading Group LLC and HYJ Top Limo. Outside of his financial advisory work, he has also worked as an Uber driver. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm offers a variety of advisory programs through its network of representatives, utilizing both proprietary and third-party investment solutions.

Ethan Morgan is a CFP®-certified financial advisor with 30 years of industry experience, currently serving at J.P. Morgan Securities. His career includes positions at Wells Fargo Clearing and Wells Fargo Investments prior to joining JPMorgan Chase Bank and JPMorgan Securities in 2012. He serves as a director and finance committee member for the Segerstrom Center for the Arts, a community performing arts organization. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program.

Jorge Herrera is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various Wells Fargo entities since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Donny Nguyen is a financial advisor with Charles Schwab in Brea, CA, holding a Series 66 designation and one year of industry experience. His background includes roles at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as time spent in full-time education and a position at Quantumvest. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm’s scale and integrated structure enable it to provide centralized custody and order-routing services alongside multi-asset model portfolios and alternative investment options.

Christopher George is a financial advisor at Cetera with 30 years of industry experience. He holds a Series 63 designation and has held roles at Cetera since 2013, including his current position since 2023, as well as prior experience at Quantum Econometrics, LLC. Outside of advising, he serves as a voluntary board member of the Credit Union of Southern California and owns George's Collectibles LLC, a business focused on selling die cast cars. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services across multiple program structures, combining scale and diverse product affiliations.

Bettina Kallins is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 25 years of industry experience. She previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-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.

Wira Tjakra is a financial advisor at OSAIC with 33 years of industry experience. He has held Series 63 and Series 65 designations and previously worked at Woodbury Financial Services, Inc. for 31 years before joining OSAIC in 2024. In addition to his advisory role, he is involved in the sale of health insurance as an insurance agent. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a variety of discretionary and third-party management options.