Francisco Aguayo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America N.A. since 2016. Outside of his advisory role, he is the sole owner of a rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Rajan Shankara is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1993. He co-founded The Verschuur / Iyer Group in 1999 and focuses on helping a limited circle of clients and their families achieve financial security through cohesive strategies tailored to evolving needs. Rajan specializes in legacy wealth planning, portfolio management, retirement planning, philanthropic planning, tax-efficient investment strategies, and values-based investing, including socially responsible and ESG approaches. He serves clients across diverse areas such as college education planning, family wealth management, LGBT wealth planning, women and wealth, and sports and entertainment. Rajan holds the CERTIFIED FINANCIAL PLANNER® designation and is also a Personal Investment Advisor (PIA) with expertise in sports and entertainment finances. He graduated with a bachelor's degree from the University of Wisconsin System. Known for a transparent and collaborative advisory style, he engages regularly with clients and their families to support informed financial decision-making and goal achievement. Rajan has been recognized by Forbes on the "Best-in-State Wealth Advisors" list multiple times from 2018 through 2025. Outside of his professional role, Rajan is active in community efforts, including supporting Chicago-based Spark Ventures and The Shelby Goldstein Memorial School in Zambia, which provides education and meals for orphans. He serves on The Buckingham Club Committee of Chicago, part of the University of Wisconsin Foundation, raising funds for healthcare causes. Rajan resides in Chicago with his wife and two children, and enjoys boating, surfing, fishing, snowboarding, live music, traveling, and studying German.

Drew Marloe is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at Sagepoint Financial, Inc. and Independent Capital Management, Inc., where he also serves as president. Outside of advising, he is an owner of ICM Real Estate, Inc. and owns ICM Life Insurance Agency. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, providing a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, complex affiliate structure, and recent consolidation activity.

Eric Coressel is a financial advisor with Merrill in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His work history includes roles at Bank of America, Merrill, Tax & Financial Group, Securian Financial Services Inc., and Minnesota Life. 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, pension plans, corporations, and charitable organizations.

Kay Sullivan is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Carmel, California. Since joining Merrill Lynch in 2002 after serving as a director at a Fortune 50 company, she has contributed to a collaborative, four-person team that develops comprehensive wealth management strategies for clients. Kay focuses on delivering personalized financial planning and portfolio management services tailored to a wide range of client needs, including retirement income strategies, tax minimization, college education planning, business transition planning, and socially responsible investing. Kay holds a Bachelor of Science degree in Business Administration from the University of Illinois. She has earned several professional designations, including Certified Financial Planner (CFP®), Chartered Retirement Planning Counselor (CRPC), Chartered Advisor in Philanthropy (CAP®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her approach emphasizes working closely with clients and their professional advisors to ensure all aspects of clients’ financial lives are aligned with their goals. Outside of her professional work, Kay has been involved in community organizations on the Monterey Peninsula. She has served on the boards of the International Anti-Poaching Foundation, Chartwell School, Carmel Public Library Foundation, and Stillwater Yacht Club, and has participated in committees such as the Women’s Fund of the Community Foundation for Monterey County. Kay enjoys a variety of personal interests including boating, cooking, hiking, music, reading, scuba diving, skiing, traveling, and spending time with her family.

Katelynne Conser is a CFP® certificant and holds a Series 66 license with eight years of industry experience. She has been with Edward Jones since 2018 and previously worked at Veyo LLC and TUV SUD America, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Carmello Buscemi is a financial advisor with LPL Financial in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2008 and briefly worked at Wamu Investments in 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services through a large network of investment adviser representatives, utilizing a range of financial planning and asset management solutions with both discretionary and non-discretionary strategies.

Kenneth Williams is a CFP® with 47 years of experience in financial advising. He is currently with Cetera and has been involved with Williams Financial Advisors, Inc. since 1978. Williams serves as chairman of the Marbella Scholarship Foundation, which awards scholarships to local high school golf team members. Cetera Investment Advisers LLC supports a nationwide network of independent advisors serving a diverse client base, including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through multiple program platforms and affiliated managers.

Karen Shahinian is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, co-founder of the Shahinian & Associates team based in Irvine, California. She works closely with individuals, families, business owners, and multi-generational households to provide customized wealth management strategies. Her approach focuses on understanding each client’s unique priorities to help streamline and organize their financial lives, supporting steady progress toward meaningful long-term goals. With over 23 years of experience in financial services, Karen has particular expertise in retirement planning, investments, insurance, legacy planning, and cash-flow management. Since joining Merrill Lynch in 2012, she has broadened her ability to connect clients with a wide range of enterprise resources. She holds the Certified Plan Fiduciary Advisor (CPFA) designation and other industry accreditations. Karen earned an associate degree in Liberal Arts from Rancho Santiago College. Karen is active in her community as a longstanding member of the Newport-Irvine Rotary Club and a volunteer at both the Shea Therapeutic Riding Center and JSerra Catholic High School. She is involved with the Southern California Disability Advocacy Network and the Oasis Sailing Club. Outside of work, Karen enjoys boating, fishing, hiking, biking, horseback riding, gardening, and spending time with her family.

Michael Kosolcharoen is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for seven years before joining LPL Financial in 2022. Kosolcharoen is also the owner of EWG, Inc., a non-investment related business entity. 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 model portfolio programs, utilizing both proprietary and third-party strategies.

Ronald Bussey is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2002. 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, model portfolio programs, third-party asset management, and institutional platforms.

Daniel Vigar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. His work history includes positions at Wells Fargo Bank, BrandRep, and Fabric Wallcraft. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Gregery Lee Jr. is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab Bank and Charles Schwab in 2023, he held a role in sports information at Fredonia State in 2023. Charles Schwab serves a large client base, primarily 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 affiliated discretionary SMAs and offers a multi-asset investment approach supported by the Schwab Center for Financial Research.

Lauren Shepherd is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she completed her education at the University of Southern California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large-scale operational model, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Joseph Holsinger is a financial advisor with Merrill in San Juan Capistrano, CA, holding Series 63 and Series 65 credentials and with 39 years of industry experience. He has been with Merrill since 1993. Outside of his advisory role, he serves as co-trustee of a family trust. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Jordan Timmreck is a financial advisor at Edward Jones in San Clemente, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, he worked at Orion ICS, LLC and served six years in the United States Marine Corps. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Taylor Payton is a financial advisor with Edward Jones in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and with five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Cross Country Mortgage, Fidelity Brokerage Services LLC, Keller Williams, FedEx Corporation, and Summit Funding. Outside of his advisory work, he owns rental real estate managed by a property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large national network of financial advisors and branch offices.

Tatum Campbell is a financial advisor at Fidelity with six years of industry experience. Prior to joining Fidelity, Campbell worked at The Vanguard Group and spent time in real estate with eXp Realty. Outside of finance, Campbell is an independent contractor managing brand promotion for a dog influencer. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and systematic portfolio construction. The firm is noted for its use of algorithmic methods and advisory roles in multiple registered investment companies.

Robert Macnider is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has worked with Mass Mutual Investors Services since 2021 and previously spent six years at Woodbury Financial Services, Inc. Macnider is also active as an insurance agent specializing in fixed life, fixed annuity, health, long-term care, and medical benefits insurance. 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 provides ongoing financial planning, asset management, and educational seminars, employing firm-approved tools and collaborative annual planning relationships.

William Griffith is a financial advisor with LPL Financial in Laguna Beach, CA, holding a Series 66 designation and 9 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he is involved with Sunbrella LLC, a business entity unrelated to investing. 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 advisory services, including model portfolios and third-party asset management, supported by technology tools and a broad network of over 22,800 advisors.