Taron Defevers is a financial advisor with Fidelity Investments in Mission Viejo, CA. He holds the Series 66 designation and has been with Fidelity since 2026. Prior to entering the financial industry, he held positions related to theological education and church ministry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Lorraine Salinas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and possessing 37 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Steven Schwimmer is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets from 1988 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning solutions, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools, focusing on advisory services without individual security recommendations in standalone plans.

Daniel Neve is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2014, progressing through roles including Investment Consultant, Investment Solutions Representative, and Financial Representative Full Trader. In his role, Daniel partners with clients to develop clear and straightforward financial plans, whether starting from the beginning or refining existing finances. Daniel holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, he has interests in cars, motorcycles, pets, photography, scuba diving, and traveling.

Aziz Ihani is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2003, including a tenure at Citigroup Global Markets from 2005 to 2009. He is based in Laguna Niguel, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a wide array of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and research.

Ryan Neville is a CFP® with 18 years of industry experience, currently with J.P. Morgan Securities where he has worked since 2012. He also held a position at Wamu Investments Inc from 2008 to 2018. Outside of his advisory role, Neville works as a model and independent contractor for a family lifestyle and modeling agency. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Alexander Ripps is a financial advisor at Fidelity with a Series 66 credential and experience in the legal and wealth management fields dating back to 2016. His prior roles include positions at Falcon, Rappaport & Berkman LLP and operating his own law office. Outside of his advisory work, he is involved as an owner and officer in several holding companies. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and its use of AI and systematic methodologies in its investment process.

Eric Ludvigsen is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has worked at OSAIC since 2024, previously serving at Securities America Advisors, Inc. and Ssn Advisory, Inc. Additionally, he works as an insurance agent, assisting clients with products such as term life, whole life, indexed universal life, and fixed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using firm-provided asset-allocation tools and automated rebalancing to manage diversified portfolios.

Vincent Bruno II is a financial professional with 27 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 designations and has worked at firms including Painewebber and Avantax in various advisory and insurance roles. He serves as an elected board member of the Campobello Homeowners Association in Newport Beach, CA. Cetera Investment Advisers LLC serves a broad client base ranging from individuals to institutional investors, offering a range of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary program options.

Mark Merryfield is a financial advisor at Stifel with 47 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Stifel Nicolaus & Co Inc. since 2009. Outside of his advisory role, he serves as a board member of California Family Life Centers, a charity focused on children at risk. Stifel serves a wide range of clients, including individuals, institutions, and nonprofit organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Michael Tudor is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and was previously with Morgan Stanley Private Bank, National Association from 2015 to 2019. Outside of his advisory role, he owns a rental property in Mammoth Lakes, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Veronica Kuznetsov is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. Her work history includes roles at various Cetera entities since 2022 and prior experience at HOFFSKI, PISANO AND CO, CPAs and LPL Financial. She also provides bookkeeping services to small business owners outside of her advisory role. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party managers, supporting various program structures and investment strategies.

Katherine Dixon is a financial advisor with Equitable Advisors in Newport Beach, CA, holding a Series 66 designation. She has one year of industry experience and previously worked in the retail sector at Vans, VF Corporation, and Forever 21. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and third-party asset managers to implement investment strategies.

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.

Dylan Wong is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and eight years of industry experience. His background includes roles at Morgan Stanley Private Bank, Northwestern Mutual, and The Ritz-Carlton Hotel Company. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process supported by proprietary tools and offers a broad range of investment programs and 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.

Norbert Garcia is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His previous roles include positions at Transamerica Financial Advisors, World Financial Group, and managing TGL Holdings, LLC. 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 wide range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of investment adviser representatives.

Luis Quiroga is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at JPMorgan Chase Bank, N.A. and Bank of America/Merrill Lynch. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Marc Arcidiacono is a CFP®-certified financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he is a sole owner of a rental property in Carlsbad, California. 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.