Theodosios Drivas is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previous work history at firms including Leapfin, Narvar, Clifton Larson Allen, and White Nelson Diehl Evans. Drivas also supports lead advisors in developing and implementing comprehensive financial plans. 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.

Dylan Massey is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2025, he worked at Mercer for three years and has experience with Murow Development Consultants and California Polytechnic State University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Shannon Giesecke is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc since 2004. Outside of her advisory role, she serves as the manager of an LLC established for estate planning purposes related to family-owned commercial storage facilities. 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, and various institutions.

Douglass Cosgrove is a financial advisor with UBS Financial Services in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS Financial Services and its predecessor, Paine Webber, since 1994. Outside of his advisory role, he serves as a reserve police officer for the Huntington Beach Police Department. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm provides a wide range of services including fee-based financial planning, portfolio management, and institutional trading capabilities.

Robert Reckinger is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds a Series 63 designation and previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Jason Reyes is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2000, also serving at Bank of America, N.A. since 2017. 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 and profit-sharing plans, corporations, and charitable organizations.

Michael Russo is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with substantial investable assets, combining research and modeling techniques to provide tax-efficient withdrawal strategies and Social Security claiming advice. The firm delivers advisory, brokerage, and insurance solutions through a broad institutional platform.

Nicholas Kolesar is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with Merrill since 2009 and has been affiliated with Bank of America since 2002. Kolesar serves as a director for the Boys & Girls Club of Greater Scottsdale and the Central Arizona Estate Planning Counsel, both charitable organizations. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Richard Racofsky is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a year at Pruco Securities, LLC. Morgan Stanley Wealth Management provides advisory services to both individual and institutional clients, offering tailored financial planning and investment programs supported by firm-approved tools and methodologies.

Shelby Cohantz is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 65 and Series 63 licenses and has previously worked at Charles Schwab & Co., Inc. and TD Ameritrade. Prior to her financial advisory roles, Shelby has experience as a homeschool instructor and behavioral consultant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment models.

Debra Patriquin is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1994 and has been with Merrill Lynch for 28 years. Her areas of focus include Divorce Transition Planning, Education Planning, Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Legacy Planning, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, Socially Responsible and ESG Investing, and Women and Wealth. Debra holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She received her Bachelor's Degree in Business Administration with a minor in Journalism from the University of California Riverside and has completed additional academic training in finance and management through the University of California system. Outside of her professional work, Debra is a member of the Anaheim Hills Rotary Club and serves as the Youth Service Chair. She enjoys spending time with her family, including her two teenagers, and participates in activities such as traveling and golfing.

Jason Stephens is a financial advisor with Merrill in Laguna Niguel, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Merrill since 2009. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colin Peterson is a financial advisor with Fidelity Investments in Mission Viejo, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Farmers Insurance and Second East. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct systematic model portfolios across mutual funds, ETFs, and ETPs.

Brian Hale is a financial advisor with LPL Financial based in Dana Point, CA, holding Series 63 and Series 65 registrations and 22 years of industry experience. He has worked at firms including Morgan Stanley and Waddell & Reed, and he is also involved with Hale Chaplain Ministries, Inc. Brian operates Hale Lamb & Associates, LLC alongside his advisory work. 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 services, including model portfolio programs, third-party asset management, and institutional platforms.

Norma Jane Soto is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, she worked at Bank of America, N.A. and held multiple roles at Sherwin-Williams Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jing Jin is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 8 years of industry experience. Prior to joining Merrill in 2018, Jing worked at Banc of California from 2016 to 2018. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Leonard is a financial advisor with Merrill in Lake Forest, CA, holding a Series 66 designation and three years of industry experience. He has been with Merrill since 2000. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Casey Williams is a financial advisor at UBS Financial Services with 17 years of industry experience. He has been with UBS since 2016 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources to support client strategies.

Olivia Smith is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Proabition and Downtown Experiment, along with experience in various hospitality-related positions. 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 both non-discretionary and discretionary investment options, combining model portfolios with access to affiliated discretionary separate managed accounts and a formal alternative investments program.

Thomas Nieto is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Merrill. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of specialized planning options.