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.

Taejun Ahn is a Financial Advisor currently working with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Taejun completed his education at the University of California System, where he earned a High School Diploma/GED. Further details regarding his experience, areas of expertise, and personal interests have not been provided.

Susan Steinberg is a financial advisor at Ameriprise with four years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Laguna Financial Advisors and Mass Mutual. Steinberg is based in Mission Viejo, CA. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Nathan Truax is a financial advisor at Osaic with 24 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has previously worked at Lincoln Financial Advisors, CCG Wealth Management LLC, and D.A. Davidson & Co. He is also a sole proprietor agent involved in fixed insurance products such as annuities and life insurance. Osaic Wealth, Inc. serves a diverse clientele including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using advanced asset-allocation tools and offers access to various managed account solutions and third-party money managers.

William Pegram is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Citigroup Global Markets and Bank of America Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Melissa Bergeron is a financial advisor at Fidelity Investments with 14 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials and has previously worked at firms including Edward Jones, Liberty Capital Strategists, and Primary Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and emphasizes systematic methodologies and long-term asset allocation.

Israel Nazari is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing three years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2022 and previously at The Lemoine Group, Inc. for nine years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. Its approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Jerome Schmitt is a CFP® professional with 21 years of industry experience, currently affiliated with OSAIC since 2025. He spent 20 years at Lincoln Financial Advisors prior to joining OSAIC. Schmitt also serves as a board member of the Newport Hills Community Association and offers disability and traditional life insurance as an agent. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of advisory and brokerage services through an extensive network of financial advisers, utilizing tools such as asset-allocation analysis and automated rebalancing to manage various investment portfolios.

Curtis Eakin III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 broad range of financial product options including insurance-related vehicles and bank deposit sweep programs.

John Draper is a CFP® certificant with 48 years of industry experience, currently with Wells Fargo Advisors since 2018. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services using proprietary research and planning tools, with optional implementation through its brokerage or advisory programs.

Nancy Morsy is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. Her prior roles include positions at Union Bank/MUFG and Bank of America, N.A., among others. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Lolla Long is a financial advisor at LPL Financial with 12 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at CUSO Financial Services, PNC Investments, and BBVA Wealth Solutions, among others. Long has also been involved with the Girl Scouts of San Gorgonio County for ten years. 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 consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Russo is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with substantial investable assets, combining research and modeling techniques to provide tax-efficient withdrawal strategies and Social Security claiming advice. The firm delivers advisory, brokerage, and insurance solutions through a broad institutional platform.