James Kefalas III is a financial advisor with Raymond James Financial in Brea, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Raymond James Financial Services since 2009 and previously spent eight years in non-variable insurance. He is the owner of Kefalasfoley Investment Services Inc., a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and investment recommendations supported by firm research and a broad affiliate network.

Jazmine Cardona is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab. Her prior roles include positions at the State of California, Pruco Securities, LLC, Prudential Insurance Company of America, and Wells Fargo. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and comprehensive investment solutions.

Byung Chong is a financial advisor with LPL Financial in Anaheim, CA, holding a Series 66 designation and bringing 25 years of industry experience. He has worked with Wescom Financial Services since 2000 and has been with LPL Financial since 2025, following two years at CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Todd Pam is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Before joining LPL Financial in 2019, he worked at Deutsche AM Distributors, Inc. and CrossRoads Capital Distributors. 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, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with access to various model portfolios and research.

Chuck Ives is a Wealth Management Advisor based in Brea, California, leading a close-knit team dedicated to supporting individuals, families, and businesses in making informed decisions about their wealth. He works within Merrill Lynch Wealth Management and offers a client experience that values each person as an individual with unique priorities and aspirations. With over 25 years of experience, Chuck specializes in helping clients navigate significant life transitions such as retirement planning, business sales, home acquisitions, and coping with the death of a loved one. His focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. He is persistent and proactive in advancing client priorities, capitalizing on resources enterprise wide. Chuck holds a Master's Degree from Southern Methodist University and a Bachelor's Degree from the University of Florida. He carries several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he enjoys playing tennis and golf and has an interest in traveling and engaging with diverse cultures, experiences shaped by spending much of his upbringing abroad.

Carly Peck is Vice President and Branch Leader at Fidelity Investments, where she leads a team of financial professionals dedicated to helping clients pursue their vision of financial success. She has been with Fidelity Investments since 2019, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, Branch Leader, and now Vice President, Branch Leader. Prior to joining Fidelity Investments, Carly worked as an Assistant National Account Executive at Celtic Commercial Finance from 2018 to 2019. She holds a California Insurance License, supporting her expertise in financial and insurance services.

Virgilio Gagalang is a Series 66-licensed advisor with J.P. Morgan Securities, where he has worked since 2012. He has 23 years of industry experience. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Jesus Sanchez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Elizabeth Norman is a financial advisor with LPL Financial in Brea, CA, holding Series 63 and Series 65 licenses and with 42 years of industry experience. She worked for National Planning Corporation for 17 years before joining LPL Financial in 2017. She serves as trustee of the Norman Family Trust and is president of Retirement Specialists, Inc., a business related to her LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement consulting, leveraging both discretionary and non-discretionary management supported by internal and third-party research.

Shauna Castro is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2007 and has been affiliated with Bank of America, N.A. since 2023. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Alan Lekawski is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America since 2015. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies managed by various affiliated and third-party managers and integrates with Bank of America’s wider corporate platform to provide access to multiple financial products and services.

Diana Tran is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. Her work history includes positions at Bank of America and Merrill since 2020, as well as roles in marketing and hospitality prior to entering the financial sector. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of discretionary and model-based investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Angela Ngan is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 22 years of industry experience. She previously worked at U.S. Bancorp Investments, Inc. for 12 years before joining Thrivent in 2021. Outside of her advisory role, she owns a single-family rental property. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, taxes, and estate matters. The firm combines goal-based analyses and flexible service options, allowing clients to integrate planning with managed-account programs while keeping these services separate.

Gary Charlebois is a financial advisor with OSAIC in La Verne, CA, holding a Series 63 license and over 45 years of industry experience. He has been with OSAIC since 1989 and also operates Pension Portfolios, a sole proprietorship through which he occasionally writes life and health insurance policies. OSAIC serves a broad range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services with a variety of investment platforms and third-party manager options.

Kelly Erickson is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2024. Prior to this, Erickson worked at LPL Financial, LLC for 12 years. Outside of advisory work, Erickson is a shareholder and officer of RKPL, Inc., a business entity established for tax and investment purposes. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, along with institutional consulting and public finance services.

Justin Martinez is a financial advisor with Osaic who holds a Series 66 designation and has 19 years of industry experience. He has previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. and Bank of America, N.A. Outside of advising, he operates a sole proprietorship focused on retail sales of t-shirts, music, and artist merchandise. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services alongside financial planning and access to third-party money managers. The firm utilizes asset-allocation tools and risk assessments to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Francisco Lopez is a financial advisor with Merrill in Rancho Cucamonga, CA, holding a Series 66 designation and three years of industry experience. He has been with Merrill since 2007. Lopez serves as a trustee for several family trusts, including his own and his parents'. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Johnny Vallejo is a financial advisor with Cambridge Investment Research Advisors in Placentia, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2011. Outside of his advisory role, Vallejo owns Johnny V Distributing, a business based in Fullerton, CA. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers multiple investment implementation options through proprietary and third-party strategies, supporting both discretionary and non-discretionary approaches tailored to client objectives.

Alex Lukoff is a financial advisor with Merrill, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Merrill and Bank of America since 2015 and is also involved with The Cigar Guys, a business he has been associated with since 2008. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Stephen Blunt is a financial advisor with Raymond James Financial in Anaheim, CA, holding CFP®, CFA®, and Series 66 designations and bringing 18 years of industry experience. He has worked with Raymond James Financial Services Advisors Inc. since 2013 and was affiliated with Maeder Wealth Group from 2013 to 2018. Outside of his advisory role, he owns Blunt Financial Planning and Wealth Group, a support company established for tax purposes. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations, with a significant portion of its business conducted on a non-discretionary basis.