Megan Stirrat is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 26 years of industry experience. She has worked previously at Merrill and Bank of America, and has been with LPL Financial since 2023. In addition to her advisory role, she is involved with Exclusive Insurance Brokerage, focusing on non-variable insurance. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Graham Grisoli is a financial advisor with Mass Mutual Investors Services in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Edward Jones Investments for six years before joining MassMutual in 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing a detailed, collaborative planning process that focuses on investment categories and strategies without discretionary authority.

Scott O'Brien is a financial advisor at Fisher Investments with 27 years of industry experience. He has been with Fisher Investments since 2002 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves as president of a food cleaning systems and internet marketing company and is a volunteer board member of the Live Like Jo Jo Foundation, a nonprofit supporting terminally ill children. Fisher Investments serves a diverse global client base including institutional investors and high-net-worth individuals, providing discretionary portfolio management across multiple asset classes. The firm uses a centralized investment process combining quantitative and qualitative research and employs risk management techniques such as derivatives and tax-loss harvesting.

Joseph Wenrich II is a financial advisor with LPL Financial in San Clemente, CA, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Waddell & Reed, Ameriprise, and operating his own firms such as Wenrich Wealth and Wenrich Consulting. Outside of his advisory work, he is the author of "Teaching Kids to Buy Stocks" and conducts related educational seminars. 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, combining comprehensive financial planning and diverse investment options with a large network of over 22,800 advisors.

Sahej Bhasin is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His career includes roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and UBS Financial Services. He also has experience at Pepperdine University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary client advisory with access to discretionary separately managed accounts and a structured alternative investment offering.

Daniel Sponseller is a financial advisor with J.P. Morgan Securities in Oceanside, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMC Bank NA since 2016, and previously at Edward Jones from 2013 to 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and employs an investment approach that includes quantitative and qualitative research, ESG considerations, and broader derivatives and commodities capabilities.

Zachary Stuart is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. His prior experience includes roles at JP Morgan Securities, Bank of America, Merrill Lynch, and Equitable Advisors. He is also involved with SchoolsFirst Federal Credit Union through its investment services business. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and operational tools.

Minh Lan Nguyen is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL in 2023, Nguyen worked at Merrill, Unionbanc Investment Services, and Ameriprise. Outside of advisory work, Nguyen is involved in operating a nail salon business in Laguna Hills, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of advisors and supported by various research, technology, and bank partnerships.

Austin White is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior roles include positions at Money Concepts Capital Corp and Vision Solved Wealth Management Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Misael Molina is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. His prior roles include positions at AXA-Advisors and Bank of America. 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 advisory process combines quantitative screening and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Stone Sinek is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and two years of industry experience. His prior roles include positions at MassMutual Life Insurance Company, Baker Tilly US LLP, and MillerGiangrande CPAs and Advisors LLP. He also has experience in education, having worked at Wheaton College and Fullerton Union High School. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a focus on collaborative, goal-based planning and a variety of event-driven planning services.

William Knoke is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. He previously worked at Waddell & Reed, Inc., and operated his own firm, William L. Knoke, Inc., where he also provided tax preparation and accounting services. Knoke has a background in insurance and tax-related activities 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

John Kalianov is a CFP® and ChFC® with 39 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, having joined in 2025. Prior to this, he held roles at Avantax entities from 2024 to 2025 and has been the sole proprietor of Platinum 100 Financial Services since 2005. He also serves on the Board of Directors for the Delario Condominiums HOA. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supported by a large network of more than 10,000 advisors.

Scott Sage is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Securities Corporation for 17 years. Outside of his advisory role, he operates Sage Financial Innovations, offering various insurance products including accident and health, disability, life insurance, fixed annuities, and health savings accounts. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a range of investment programs delivered via affiliated broker-dealer and RIA relationships.

Brian Wilverding is a financial advisor with Ameriprise in San Clemente, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling techniques to deliver non-discretionary, written recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Zachary Lefever is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses. His background includes roles at Fidelity Investments as well as positions in various other organizations and community activities, including a role with Semester at Sea. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Rosa Schulte is a financial advisor at Raymond James & Associates with 25 years of industry experience. She has been with Raymond James since 2012. Outside of her advisory role, she serves as an officer and co-owner of Schulte Corporation, where she assists with bookkeeping duties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Shabnam Rezaei is a financial advisor with Merrill holding a Series 66 designation. She has been with Merrill since 2022 and has previous experience at Bank of America, N.A., EZ Insurance, Macy's, and MiniDil. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John Harcar is a financial advisor with LPL Financial in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes longstanding service at Linsco/Private Ledger Corp. since 1998 and operating the JCH Insurance Agency, Inc. from 1997 to 2016. He is also involved in an insurance agency specializing in fixed life, health, disability, and long-term care insurance alongside his securities business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives utilizing a variety of strategies and tools.

Jonathan Dickson is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he spent six years with the Allan Gray Orbis Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.