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.

Fady Mansour is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley since 2018 and previously was employed at Merrill and Colorado State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Batala Fortes is a financial advisor at OSAIC with a Series 66 designation and four years of industry experience. Prior to joining OSAIC, Fortes worked at LPL Financial and Zuk Financial Group. Outside of advising, Fortes serves as trustee of the Manuela A. Fortes Family Trust and works as a contract driver for Uber on weekends and some evenings. OSAIC serves a broad clientele, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct diversified portfolios managed on either a discretionary or non-discretionary basis.

Charmin Wu is a financial advisor at Cetera with 23 years of industry experience. She holds the CFP® designation and Series 66 license. Her prior experience includes roles at Intuit and RA Lotter Insurance Marketing Inc., and she has been involved in health insurance services through Anthem BlueCross and Covered California. Wu also operates a tax preparation and accounting business, providing corporate and individual tax services as well as fractional CFO support. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and utilizes a multi-manager platform combining affiliated and third-party investment strategies.

Neda Tavakoli is a Market Leader at Fidelity Investments, where she leads a team of associates dedicated to prioritizing client needs. In her role, she focuses on simplifying complex financial concepts and collaborating with clients to develop plans aligned with their goals. Her career at Fidelity Investments began in 2009 as a Financial Consultant. She progressed through roles including Director Retirement Planner, Assistant Branch Leader, and Vice President, Branch Leader before assuming her current position in 2025. Neda holds a California Insurance License. Outside of her professional responsibilities, Neda enjoys camping, family activities, exploring culinary experiences, outdoor adventures, running, and traveling.

Cody Voge is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked at Speedy Weedy and was employed for nearly a decade at Boundary Oak Golf Course. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of financial professionals.

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.

Karen Jordan is a CFP® professional with 28 years of industry experience, currently serving at Charles Schwab. She has held roles at Charles Schwab Bank, SSB and TD Ameritrade Inc., and she operates a photography business alongside her advisory work. Karen is also a partner in a real estate and property management firm. Charles Schwab 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a centralized, integrated approach to wealth management.

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.

Christopher Mullery is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and Series 66 licenses and over 33 years of industry experience. His career includes nearly two decades at Citigroup Global Markets and more than a decade with Morgan Stanley and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, combining financial planning and investment services with tools such as Monte Carlo simulations and proprietary return estimates. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-sponsored financial planning arrangements.

Daniel Luddy is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo since 2011, including his current role at Wells Fargo Clearing since 2016. Outside of his advisory work, he serves as power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jason Zeroll is a financial advisor with Charles Schwab in San Clemente, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset strategic allocation approach supported by in-house research and alternative investment options.

Ashley Chegren is a financial advisor with Osaic, holding a Series 66 designation and based in San Juan Capistrano, CA. Ashley has no prior industry experience but has worked in various roles outside financial advising, including positions at Restaurant 365 and XIX Palms. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diverse investment portfolios.

Robert Rettig is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory work, he is the owner of an automotive and transportation-related business, Rettig Rentals LLC, based in Irvine, California. Morgan Stanley Wealth Management provides a wide range of advisory services to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory programs.

Mohamed Abdalnaby is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A., and several other financial firms since 2015. 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 applying an ESG eligibility framework in its recommendations.

Bryce Darland is a financial advisor with LPL Financial, holding a Series 66 designation and having two years of industry experience. His prior firms include Ameriprise and Cetera Investors, and he has a background that includes roles in education at San Diego State University and Capistrano Valley Unified School District. 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 broad range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and advanced operational tools.

David Sedrak is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2017, including a tenure at Morgan Stanley Private Bank beginning in 2018. Prior to that, he was with UBS Financial Services from 2015 to 2017. Outside of his advisory work, Sedrak owns and operates a retail and online store business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by proprietary tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Trishia Olivas is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience in the financial services industry. She collaborates closely with individuals, families, and business owners to provide financial clarity and confidence by fostering open communication and understanding of clients' unique needs. Her expertise focuses on empowering women navigating life transitions such as divorce, widowhood, or major career changes; assisting business owners balancing company growth with personal financial planning; and guiding families in managing education savings and retirement planning. Trishia takes a collaborative and supportive approach, helping clients simplify complex financial decisions and build strategies tailored to their goals. Trishia holds a Bachelor's degree from the University of California System and holds professional designations including Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Certified Plan Fiduciary Advisor (CPFA). Outside of her professional work, she enjoys hiking, music, reading, running, spending time with her family, traveling, and practicing yoga.

Kun Er Lu is a financial advisor at LPL Financial with 23 years of industry experience. He has held his current role since 2008 and previously worked at Edward Jones for one year. He holds Series 63 and Series 66 designations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, portfolio management programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies with a range of investment options and supporting technology tools.

Melanie Lee is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2020. Her role involves partnering with individuals and families to simplify financial planning and develop customized plans aligned with clients' goals and objectives. Prior to her current position, she served as a Financial Consultant at Fidelity Investments from 2020 to 2024 and as a Financial Advisor at Kinetic Financial from 2016 to 2020. She holds a California Insurance License. Outside of her professional responsibilities, Melanie enjoys camping, family activities, fitness, golf, pets, and traveling.