Sheila Carlson is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Sheila is a graduate of the University of Colorado at Boulder. Before joining Merrill, Sheila was the owner and controller of her own aerospace manufacturing firm and has an extensive background in accounting. Her financial advising approach involves a disciplined wealth management process, allowing her to understand and align with her clients' financial goals and aspirations. She works with clients to develop individualized financial roadmaps that are meaningful to them and their families. Sheila focuses on areas including family wealth management strategies, services for endowments, foundations and non-profits, retirement income planning, and small business strategies. Outside of her professional career, Sheila enjoys hiking, horseback riding, reading, skiing, spending time with her family, swimming, and practicing yoga.

Patrick Calderigi is a financial advisor with LPL Financial in San Clemente, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He worked previously at Kestra Investment Services for 10 years before joining LPL Financial in 2010. Outside of his advisory role, he is involved in non-variable insurance services, including fixed insurance, health, disability, and long-term care insurance, through several financial and insurance analysis businesses. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by proprietary research and technology tools.

Michael Mahoney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2004 after graduating from the University of Wisconsin - Madison. Initially based in Waukesha, Wisconsin, he relocated to Ladera Ranch, California in 2011, where he currently resides with his wife Kelly and their two daughters. Michael's areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional role, Michael enjoys biking, cooking, football, golfing, hiking, scuba diving, soccer, and spending time with his family.

Ryan Neville is a CFP® with 18 years of industry experience. He is currently with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A., where he has worked since 2012 and 2018 respectively. Prior to that, he was with Wamu Investments Inc. Neville also works as a model and independent contractor for a family lifestyle and modeling agency. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Andrew Chatham is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He worked previously at Mass Mutual Investors Services for nine years before joining LPL Financial in 2016. Outside of advisory services, he owns a small sticker and T-shirt business called Exit 71. 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 asset management solutions through a large network of advisers, employing various model portfolios and customized strategies.

Per Bakken is a financial advisor with Morgan Stanley, holding a Series 66 credential and 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Luis Quiroga is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and four years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

Trent Sadler is a Series 65-licensed financial advisor at Edelman Financial Engines with three years of industry experience. He previously worked at Dynamic Wealth Advisors and Stansberry Asset Management, and has a background that includes a role at Santa Clara University. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of discretionary and non-discretionary investment solutions supported by a committee-driven modeling process and online tools, managing approximately $326 billion for roughly 477,000 clients.

Thomas Sim is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses. He has 32 years of industry experience, including 16 years at Lincoln Financial Securities Corporation and 20 years at Osaic FS, Inc. Outside of his advisory role, he is involved in non-variable insurance sales through TMC Wealth. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing a range of advisory and brokerage services primarily through its network of investment adviser representatives.

Michael Kelly is a financial advisor at Merrill with 28 years of industry experience. He has been with Merrill since 2012 and holds Series 63 and Series 65 licenses. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed accounts, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring, with integrated tax-efficient capabilities and a close affiliation with Bank of America’s broader banking and capital markets platform.

Claudia Bowers is a financial advisor with Edward Jones in Dana Point, CA, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at LNG Capital Partners, Cambridge Investment Research, and Newport Advisory LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a large network of financial advisors and branch offices, offering a range of advisory solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Dillon Paningsoro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His work history includes roles at Wells Fargo Advisors and involvement with M Culinary Concepts. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

James Summers is a financial advisor with LPL Financial in Dana Point, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at Sagepoint Financial, OSAIC Services, and A. G. Edwards & Sons. Outside of his advisory work, Summers is involved with J & S Insurance, an insurance agency he has operated since 2008. 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, supported by a large network of investment adviser representatives.

Cory Mitchell is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. He has worked previously at Fisher Investments and Branch Banking and Trust (BB&T). Outside of his advisory role, Mitchell has worked as a delivery driver for DoorDash and Instacart. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and alternative investment options in a large-scale, integrated structure.

Scott Cop is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to joining Edward Jones in 2025, he worked at Mortgage Moneyline, Fidelity Investments, and Invesco. He is also the owner of Thankless Living Corp, a sales and marketing consulting business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Gary Edkins is a financial advisor at LPL Enterprise with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with VISION! Executive Insurance & Financial Services, a business related to his advisory activities. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s approach is model-driven, using portfolios developed by internal and third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Paul Miller is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently with Morgan Stanley, having joined the firm in 2025 following a 16-year tenure at UBS Financial Services. Outside of his financial advisory work, he is the owner of a fitness business called Twenty Minutes to Fitness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services, including tools such as Monte Carlo simulations and Secular Return Estimates in its planning process.

Rodney Graham is a financial advisor at Osaic with nine years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Woodbury Financial Services and as a self-employed advisor. Outside of his advisory role, he serves on the board of the End Alz Association and owns a financial coaching and wealth management institute where he teaches financial literacy and money management. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with options for discretionary and advisor-managed strategies across various programs.

Richard Riegle is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2013. He has 12 years of industry experience and is based in Laguna Niguel, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branches, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Mcdowell is a financial advisor with Morgan Stanley in Laguna Beach, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm focuses on tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.