Richard Higbee is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Trilogy Financial Services, LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Outside of his advisory role, he is involved with Providence Wealth Planning, an LLC focused on the sale of insurance products. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing techniques to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Nicholas Woravka is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Laguna Beach, CA, and has 19 years of industry experience. He previously worked at Wavecrest Holdings LLC and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member of the Wave Crest Homeowners Association in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

James Lee is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has 21 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he is an investor in Harbor Med Tech, a business entity based in Irvine, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels.

Jake Boberg is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. His background includes roles outside of finance, such as work at Diamond Hills Sports Club and Core Equipment Leasing LLC. OSAIC serves a diverse client base ranging from individual investors to corporations and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing various tools and third-party platforms to manage portfolios across multiple asset classes.

William Meyer is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2017, following a 28-year tenure at Michael A. Hearn. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Mindy Do is a Series 66 credentialed financial advisor with Cetera, based in Garden Grove, CA, and has seven years of industry experience. She has held roles at Cetera and CETERA Financial Specialists LLC since 2019. Outside of her advisory work, she is a CPA who provides accounting, tax preparation, and business consulting services through her own practice and other related businesses. Additionally, she serves as CFO of a CNC machining company. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, corporate, charitable, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services using a multi-manager platform with access to affiliated and third-party money managers and a range of program structures.

Gary Seybold is a financial advisor at LPL Financial with 39 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2008. His professional activities include involvement in life and health insurance services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

John Sloop is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2014. Outside of his advisory role, he works as a delivery driver for Grubhub and serves as a notary public in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory.

Timothy Dunigan is a financial advisor with Equitable Advisors in San Clemente, CA, holding Series 63 and Series 65 licenses and with 14 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at AXA Advisors, LLC. Outside of finance, he is the owner and founder of Dunigan Creative, a photography company based in Costa Mesa, CA. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Alexis Norton is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, Alexis worked at Capital Group and held various positions in retail and education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Daniel Correa III is a financial advisor with Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020, following prior roles at Morgan Stanley and Morgan Stanley Private Bank from 2009 to 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Leslie Asare is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining LPL Enterprise in 2024, Leslie worked at Pruco Securities, LLC for 13 years and has been affiliated with Prudential Insurance Company of America since 2011. Leslie also maintains investment-related roles with several health insurance companies. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party asset management, and access to both financial planning and insurance products through an integrated platform.

John Floryan is a CFP® professional at J.P. Morgan Securities with 14 years of industry experience. His career includes roles at Unionbanc Investment Services, MUFG Union Bank, and Citigroup prior to joining J.P. Morgan in 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when making investment recommendations.

Yen Chen is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. Chen has been with both Merrill and Bank of America, N.A. since 2016. 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.

Randy Louie is a financial advisor at OSAIC with 28 years of industry experience. He held a position at Woodbury Financial Services, Inc. for 27 years prior to joining OSAIC in 2024. Outside of his advisory work, he coaches Muay Thai kickboxing classes several evenings per week at a martial arts fitness gym. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes various asset-allocation tools and third-party solutions to manage portfolios that include a broad mix of investment types.

Brenden Peterson is a financial advisor with Charles Schwab in Irvine, CA, holding a Series 66 designation and four years of industry experience. His prior work includes positions at Charles Schwab Bank, Chicago Title, MetLife, Montage Resorts, and Eugene Country Club. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized operational and supervisory structures.

Eric Glade is a financial advisor with Ameriprise in San Clemente, CA, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is a certified pickleball instructor and competitive player, though he has not yet provided lessons or earned prize money from tournaments. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service that supports its financial advisors.

Kevin Tran is a financial advisor with LPL Financial in Anaheim, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, and SchoolsFirst FCU. He is also a notary public and is involved with SchoolsFirst Retirement Planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and various portfolio management options.

Peter O'Brien is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2013. Outside of his advisory role, he serves as a board member for Brothers on a Quest, a nonprofit focused on raising awareness and funds to fight rare neurological diseases, and acts as a FINRA arbitrator. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.