Patrick Cecil is a Wealth Management Advisor at Merrill Lynch Wealth Management in Irvine, California. He has been with Merrill Lynch since 2016 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Before joining Merrill Lynch, Patrick was a History professor after completing his Ph.D. at The University of Alabama. He also earned degrees from The George Washington University and the University of Colorado Boulder, where he spent time studying abroad in Edinburgh, Scotland. His background in research informs his work in providing wealth management advice and long-term planning strategies to help clients achieve financial and personal goals. Patrick lives in the Orange County area with his wife Ariana and son Oliver. He is involved in community organizations such as the Sons of the American Revolution, Orange Elks Lodge 1475, and his alma mater Servite High School. He also participates in various alumni associations and periodically delivers lectures in History. His personal interests include spending time with family and friends, traveling, attending hockey and football games, and following Liverpool FC.

Daniel Leo is a financial advisor with OSAIC based in Irvine, CA, holding CFP®, Series 66, and Series 65 designations and has 13 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 10 years and engaged in business activities through Leo Financial, Inc. He is also an insurance agent offering accident and health insurance, fixed annuities, equity indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to manage portfolios comprising various asset classes, and supports multiple advisory platforms and legacy program transitions.

Noelle Oh is a CFP®-certified financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2014. Outside of her advisory role, she also serves as a notary public in Santa Barbara, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services across a broad platform.

Jeremy Guajardo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he is a co-owner of H2 Dream LLC, an LLC focused on short-term rental property investments. 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 through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Judy Kim is a financial advisor with Ameriprise in Irvine, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise and its affiliated entities since 2006. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing assets held in Ameriprise-managed accounts and utilizing algorithmic automation overseen by a dedicated committee.

Karen Dryer is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2007 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Robert Johnston is a financial advisor at Edward Jones with 26 years of industry experience. He holds the Series 66 credential and has been with Edward Jones since 2009. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Travis Macaluso is a financial advisor with Edward Jones in Mission Viejo, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. 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 advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ann Bakenhus is a financial advisor at Edward Jones in Riverside, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she worked in fitness and retail roles including ownership of Personalized Fitness by Annie, where she created workout plans for clients. She is also a board member at large for the Pick Group of Young Professionals, a nonprofit focused on civic engagement and professional development in Riverside. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and related services, supported by a large nationwide network of financial advisors and branch offices.

James Lin is a financial advisor at Stifel with 14 years of industry experience. He holds a Series 66 designation and previously worked at Merrill from 2010 to 2019 before joining Stifel in 2019. Outside of his advisory role, he serves as a Notary Public with the National Notary Association. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology through its Investment Strategy Group to support client asset allocation and planning decisions.

Nikou Moshtaridoust is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2019. Moshtaridoust is also involved with Snapshop LLC since 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Samuel Ramos is a financial advisor with LPL Financial in Corona, CA, holding CFP®, Series 63, and Series 66 designations and 26 years of industry experience. His prior roles include positions at Citizens Business Bank, City National Bank, and UnionBanc Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Frederick Sanchez is a CFP®-certified financial advisor with 43 years of industry experience, currently with LPL Financial since 2024. He previously worked for Crown Capital Securities, LP for 10 years and has operated South Orange County Tax Service since 1983. Sanchez is also involved in tax preparation and accounting services through his longstanding business, South Orange County Tax Service. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, supported by research, model portfolios, and diverse investment strategies.

Rory Hart is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Lincoln Financial Securities Corporation, and The Prudential Insurance Company of America. Hart also manages Riley-Hart Capital Inc., a separate business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Loza is a financial advisor at LPL Financial with 17 years of industry experience and holds a Series 66 designation. Before joining LPL Financial in 2021, he operated Loza, Beck & Associates LLC and has worked in both insurance and wealth management sectors. He also has a long history of involvement with the Riverside Community Health Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and corporations. The firm provides a range of financial planning and advisory programs with discretionary and non-discretionary management supported by research and model portfolios.

Patricia Bacho is a financial advisor at UBS Financial Services with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments and UBS Financial Services. Outside of her advisory role, she is employed as an administrative employee at Supan Detailing Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

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.

Dana Terry is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he advises his spouse on business decisions related to the manufacturing of green coffee bean powder and oil through a family-owned enterprise. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Sasha Kottmeier is a financial advisor with UBS Financial Services in Irvine, CA, holding a Series 66 designation and having 26 years of industry experience. Kottmeier has been with UBS since 2005 and is also the sole owner of Anarchy Motorcycles, a business involved in buying and selling motorcycles, cars, and real estate. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, integrating proprietary research and model-based asset allocations to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Phoebe Jaramillo is a financial advisor with Stifel in Irvine, CA, holding Series 63 and Series 66 licenses and having 13 years of industry experience. Her prior roles include positions at Finance 500 Inc., Securities America Advisors, and Michele Young. She is a licensed life and health insurance agent in California and receives residual commissions from past insurance business activities. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.