Joseph Deschenes is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options.

Morisea Davis is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Advisors and Truist. Outside of her advisory role, she owns a retail business called P2P-180 in Wilson, North Carolina. 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 applying an ESG eligibility framework in its recommendations.

Trisha Vo is a Series 66-licensed financial advisor with six years of industry experience, currently serving at J.P. Morgan Securities. Her career includes roles at Bank of America, Merrill, and City National Bank. She is based in Irvine, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Daniel Palmer is a CFP®-designated financial advisor with Merrill, where he has worked since 2009. He has 32 years of industry experience and has also been affiliated with Bank of America, N.A. since 2003. Palmer serves as a power of attorney in a fiduciary role for a family member. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Lopez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2008. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Anthony Kramer is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has 10 years of industry experience. He has been with J.P. Morgan Securities since 2016 and also worked at JPMorgan Chase Bank, N.A. from 2016 to the present. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Thomas Krebs is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has worked previously at Securities America Advisors, Inc., Investacorp Inc., and Honda Financial Services. He is also involved with John Stokes Financial, where he provides administrative support. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple investment types.

Mely Ramoran Hughes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and uses modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Leandro Tsai is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 66 licenses and having 20 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2018 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides its services through both direct client relationships and Corporate Financial Planning agreements.

Scott Hanna is a financial advisor with Stifel in Irvine, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Vanessa Islas is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. She has held roles at several J.P. Morgan entities since 2022 and previously worked at the University of California - Los Angeles and MVP Security Systems. 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Zeyn Ali is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Wells Fargo entities since 2014. Outside of his advisory role, he is involved with a family-owned bakery business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Bryan Banning is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds a Series 63 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models.

Kyle Mabe is a financial advisor at Edward Jones with five years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including Mercer Investment Management, MSCI, Inc., and Eventide Asset Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a variety of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Scott Holmes is a financial advisor with LPL Financial in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes prior roles at Commonwealth Financial Network, Neuberger Berman, Amundi Pioneer Institutional Asset Management, Morgan Stanley, Wells Fargo Investments, and Merrill. 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 range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Daniela Reyes is a financial advisor with Wells Fargo Clearing in Santa Ana, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2019 and has worked at Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jesse Serra is a financial advisor with Charles Schwab in Irvine, CA, holding a CFP® designation and Series 63 and 66 licenses. He has 11 years of industry experience, with prior roles at JP Morgan Securities and JPMorgan Chase Bank from 2015 to 2022 before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by ongoing research and alternative investment due diligence.

Jeanne Juricka is a financial advisor at LPL Financial with 22 years of experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at Beacon Pointe Advisors, JP Morgan Chase Bank, Stephen A. Kohn and Associates, CONCERT Wealth Management, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Katelyn Hastings is a Planning Consultant at Fidelity Investments, where she collaborates with clients and Financial Consultants to develop financial plans aimed at achieving clients' goals. She has held multiple roles at Fidelity Investments since 2021, including Relationship Manager, Financial Representative, Financial Services Representative, and Investor Center Intern. Prior to her current position, she gained experience as a Financial Planning Intern at Churchill Management Group in 2020. Katelyn holds a California Insurance License, which supports her work in the financial services industry.

Jeremiah Nelson is a financial advisor with Thrivent Investment Management in Anaheim, CA, holding a Series 66 designation and five years of industry experience. His career includes roles at Thrivent Financial since 2021 and prior experience with Heritage Oak Private Education from 2015 to 2020. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses and broad financial planning topics. The firm offers these planning services separately from portfolio management and supports periodic review and updates through its network of advisors.