Mark Wagner is a financial advisor at Osaic Wealth, Inc. based in Mission Viejo, California, with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with Royal Alliance Associates, Signator Investors, and owns RMC Financial Services. Outside of his advisory work, he coaches freshman baseball at El Toro High School. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and uses advanced tools such as asset-allocation models and automated rebalancing to manage portfolios on both discretionary and non-discretionary bases.

Maida Talens is a financial advisor at LPL Financial with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Transamerica Financial Advisors and World Financial Group. In addition to her advisory work, Talens is a registered nurse and has roles involving case management and transplant coordination. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supporting both discretionary and non-discretionary management with access to model portfolios, research, and various technology-enabled solutions.

Seema Sethi is a financial advisor with LPL Financial in Riverside, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007. In addition to her advisory role, she is licensed to present and sell term life insurance, long-term care insurance, fixed annuities, and indexed annuities. 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. 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.

James Okeefe is a financial advisor at Cetera with 37 years of industry experience. He holds a Series 63 designation and has been associated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory work, he has volunteered for the IRS Volunteer Income Tax Assistance program, helping low-income taxpayers prepare simple tax returns. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that provides access to both affiliated and third-party money managers.

Jay Le is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing personalized financial strategies to individuals, families, and institutional clients. Jay offers a comprehensive approach that integrates investment insights from Merrill and banking solutions from Bank of America to address various financial needs, including credit, cash management, and specialty financing. Jay's expertise encompasses complex financial planning, with client focus areas that include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning, philanthropic planning, and investment consulting for defined benefit and contribution plans. He holds multiple professional designations, such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), among others. He earned a Bachelor's Degree from HUFLIT and communicates fluently in Vietnamese and English. Jay is committed to community involvement and volunteers with organizations in his community. His personal interests include music, spending time with his family, and traveling.

Christopher Jeffrey is a financial advisor with LPL Financial, holding Series 65 and Series 63 designations, and has one year of industry experience. He has also worked as an independent contractor since 2022 and has been a teacher at Alvord Unified School District since 2004. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Albert Cline is a financial advisor at OSAIC with 49 years of industry experience. He holds a Series 63 designation and has worked with firms including Woodbury Financial Services and AIG Financial Advisors. Outside of his advisory role, he is a grantor of a college scholarship trust in memory of his late father. OSAIC serves a diverse client base, including individual, high-net-worth, institutional, and charitable investors, offering a range of integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisors. The firm employs various asset allocation and portfolio construction tools and supports multiple advisory platforms and third-party solutions.

Timothy Chon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving Orange County's ultra-high net worth clientele as a partner on the Nam | Bernal Team for over ten years. His professional focus is on growing and preserving wealth through a commitment to integrity and a strong work ethic. Timothy's expertise includes college education planning, corporate benefits, divorce transition planning, employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from the California State University System and the Personal Investment Advisor (PIA) designation. An Orange County native, Timothy enjoys running marathons, camping, hiking, and spending time with his wife, Lesley.

Matthew Molnar is a Series 66-credentialed financial advisor with 10 years of industry experience. He has worked at Ameriprise Financial Services, LLC since 2020 and previously held roles at Ameriprise Financial Services, Inc., Principal Securities, and Principal Financial Group. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Tiffany Markowski is a financial advisor with Primerica Advisors in Wildomar, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has been with Primerica Advisors since 2014 and has been affiliated with Primerica Financial Services since 2012. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Jeffrey Andrews is a financial advisor with Cambridge Investment Research Advisors in Irvine, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012. Outside of advisory work, Andrews is involved in tax preparation through Harmon Street Tax Services Inc and also engages in paid speaking engagements. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment platforms and proprietary model strategies, with both discretionary and non-discretionary management tailored to client objectives.

Sheryl Fielder is a financial advisor with Primerica Advisors in Mission Viejo, CA, holding Series 63 and Series 65 credentials and with 21 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2005. Fielder serves on the Board of Directors for Operation Community Cares, a nonprofit organization in Cucamonga, CA. Primerica Advisors is a large firm serving primarily individual investors, as well as corporate and charitable clients, through a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers.

Wayne Dennen is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and possessing 27 years of industry experience. He has been affiliated with MassMutual since 1988 and MML Investors Services, Inc. since 1998. In addition to his advisory role, he operates a traditional life and health insurance brokerage with various outside carriers. MassMutual 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, using firm-approved software to structure collaborative, goal-oriented client relationships.

John Mc Nulty is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he held roles at Allstate Insurance Company, Lyft, California State University, Fullerton, and DoorDash. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lauren Cheung is a financial advisor at Stifel with 13 years of industry experience, including 11 years at Stifel. She holds Series 63 and Series 66 licenses and is based in Irvine, CA. Outside of her advisory role, she serves as Assistant Treasurer for the Northwood Choral Music Boosters, a volunteer organization supporting choral music at Northwood High School. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Its investment approach relies on proprietary analysis from the Investment Strategy Group, providing asset allocation and planning guidance intended to assist client decision-making.

Margery Birkedal is a financial advisor at Cetera with 28 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked for Avantax Advisory Services and related entities for 16 years. Outside of her advisory role, she owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Ruben Munoz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018, with prior experience at Bank of America and several other firms. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Todd Halbrook is a financial advisor with RBC Capital Markets in Irvine, CA, holding CFP®, Series 63, and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at City National Bank, First Republic Investment Management, and Wells Fargo Advisors. He serves on the advisory boards for the Deans Advisory Board and the CIWM Paul Merage School of Business at UCI. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations, offering a range of advisory programs with discretionary and non-discretionary portfolio management tailored to clients' risk profiles.

Michael Scherer is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 66 and Series 65 licenses and has worked at Merrill and Bank of America since 2019, following seven years at Citigroup Global Markets. Outside of his advisory role, he assists with motorsports training as a part-time activity. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Xavier Zamora is a financial advisor with Thrivent Investment Management in Moreno Valley, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at LPL Financial and Cetera. Outside of advisory work, he is involved with Blackstone Consulting Inc., a non-investment-related business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering holistic, goal-based analyses without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”