Luis Manuel Bernal is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he specializes in providing financial guidance to high income and high net worth professionals, business owners, executives, and families. With nearly 30 years leading the NB Group, Luis focuses on personalized wealth planning that aligns with clients' life priorities and desired lifestyles. His approach incorporates customized investment strategies, model portfolios, and estate planning services, aiming to help clients achieve their financial goals through all major life events. Luis holds a Bachelor of Arts in Business Administration with an emphasis in Marketing from California State University, Fullerton. He is a CERTIFIED FINANCIAL PLANNER® professional, a Chartered Retirement Planning Counselor™, and a Personal Investment Advisor. Luis is bilingual in Spanish and English, enhancing his ability to serve diverse clients. Outside of work, Luis is actively involved in his community, serving as a coach for the Golden Hill Little League in Fullerton and formerly chairing the city's Investment Advisory Committee. He lives in Fullerton with his wife Sarah, their two children, and their two American Bulldogs. In his free time, Luis enjoys outdoor activities, coaching youth sports, attending baseball games and concerts, and spending time with his family.

Efren Martinez is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial, Inc. for 14 years. Martinez is also the owner of an insurance agency specializing in fixed and health insurance and serves as a Notary Public in California. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services and uses various investment tools and third-party platforms to construct and manage portfolios.

Susan Dixon is a financial advisor at Stifel with 28 years of industry experience. She has worked at Stifel Nicolaus & Co. Inc. since 2010. Outside of her advisory role, Dixon owns and operates Forever Card Company, where she hand-paints and sells original watercolor cards on Etsy. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment analysis methodology developed by its Investment Strategy Group.

Karim Mekhail is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior roles at JPMorgan Chase Bank and Uber. 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 brokerage, distribution, and investment management capabilities.

Velios Kodomichalos is a financial advisor at UBS Financial Services with six years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at Wilmington Trust NA and Randwick Advisory Services. Outside of his advisory role, Kodomichalos serves as part-time CFO for a digital media company and chairs the Beverly Hills Bridge Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research with institutional trading capabilities to deliver tailored financial planning and portfolio management.

Amrit Mathur is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of his advisory work, he is a 50% owner of Riya Exotic Cars LLC, a private company involved in the automotive industry. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

Nicholas Katzaroff is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has prior work experience at firms including Flywheel Digital LLC, Similarweb Ltd., Point72 Asset Management, and Wilshire Associates. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Sadef Zandi is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Merrill, Zandi worked at Chipotle for three years. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Hansen is a CFA® charterholder with 40 years of industry experience, currently serving at Stifel Nicolaus & Co Inc since 2009. Based in Irvine, CA, he also instructs a class on fundamental analysis at the University of California–Irvine and owns a fine art studio. Additionally, he holds a private pilot affiliation. Stifel serves a wide range of clients, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Michael Long is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017, except for a brief period in 2016 when he worked at Headway. 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 offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services through a nationwide network of advisors and branch offices.

Jonathan Schiff is a financial advisor with Raymond James Financial in Irvine, CA, holding Series 63 and Series 65 designations and over 30 years of industry experience. He has been with Raymond James Financial since 2010 and owns Ocelot Spectrum Financial, LLC, which he uses for his advisory practice's legal and tax structure. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to assess potential outcomes, and supports municipal and public-finance work through an affiliated municipal advisor.

Julianne Butler is an Investment Management Consultant II at Fidelity Investments. She has been with Fidelity since 2020, serving as an Investment Consultant before her current role. Prior to joining Fidelity, she worked at TD Ameritrade in various positions including Senior Financial Consultant, Financial Consultant, and Business Development Specialist from 2018 to 2020. Earlier in her career, she was a Teller at JPMorgan Chase from 2015 to 2018. Julianne holds a California Insurance License. In her role as a Planning Consultant, she focuses on understanding the priorities of her clients and their families. She aims to educate and assist them in achieving their financial goals by collaborating to develop personalized financial plans.

Carol Knowlton Chirko is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and Cooper McManus, among other firms. She is also involved with Knowlton Financial Position, focusing on insurance and variable annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and multiple platforms. The firm offers comprehensive brokerage, advisory, and financial planning services, utilizing asset-allocation tools and third-party solutions to construct and manage portfolios.

Toma Kay is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. Prior to joining UBS in 2020, Kay worked at Wells Fargo Clearing and Morgan Stanley Smith Barney. Outside of finance, Kay owns a single-family rental property in Lake Elsinore, CA. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Batala Fortes is a financial advisor at OSAIC with three years of industry experience. They hold a Series 66 designation and previously worked at LPL Financial, LLC and Zuk Financial Group. Outside of their advisory role, Fortes serves as trustee of the Manuela A. Fortes Family Trust. OSAIC serves a broad range of clients, including individual and institutional investors, by offering integrated brokerage, financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Deidre Hutting is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America, N.A. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Marshall James is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2007. He also serves as a board member for Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering advisory programs, financial planning, and retirement plan consulting through its national network of investment adviser representatives.

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.

Madeleine Coffin is a Series 66 licensed financial advisor at Merrill with 12 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she serves as a fitness instructor at barre3, a boutique fitness studio in San Clemente, California, where she teaches group Barre classes twice weekly. 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, and institutional investors.

Victoria Blanco is a financial advisor at RBC Capital Markets with 29 years of industry experience. She holds the Series 66 designation and has previously worked at First Republic Investment Management and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers tailored to clients’ risk profiles.