Cade Cherry is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 13 years of industry experience. Prior to joining Edward Jones in 2024, he worked at Pacific Life for 14 years. Outside of his advisory role, he is involved in a family partnership managing his mother’s household affairs and co-owns a vacation home in Hawaii with his wife. Edward Jones is a wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm is recognized for its extensive network of advisors and branches, as well as its affiliated capabilities beyond advisory services, including trust services and securities-based lending.

Trinity Martin is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, Martin worked in various roles across real estate and retail sectors. 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 offers discretionary and non-discretionary advisory services, fund management, and model portfolios, supported by oversight controls and the use of AI-driven methodologies.

Jay Cobarrubias is a Series 66-licensed financial advisor with Merrill in Newport Beach, CA, and has three years of industry experience. He previously worked at Banc of California, Anchor and Control Trading, Online Trading Academy, and KCSC Radio. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Forrest is a financial advisor with UBS Financial Services in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with UBS since 2014. Outside of advisory work, he is involved in real estate ventures, including advising on financing, architecture, construction, and engineering for a partnership based in Austin, TX. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research to tailor investment plans. The firm combines wealth management services with institutional trading capabilities and offers a broad range of capital markets and advisory services.

Stephen Smith is a CFP® professional with 15 years of industry experience, currently serving at Charles Schwab in Newport Beach, CA. He has been with Charles Schwab and Charles Schwab Bank since 2017. Outside of his advisory role, he rents out rooms in his personal residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset portfolios and research from Schwab Center for Financial Research.

Arthur Felix is a financial advisor with LPL Financial in Mission Viejo, CA, holding Series 63 and Series 66 credentials and over 21 years of industry experience. His prior experience includes roles at Ameriprise and J.P. Morgan Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and various management approaches.

Jon Dunavold is a financial advisor with UBS Financial Services in Viejo, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Painewebber Inc. since 2000. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages conflicts of interest through fiduciary financial planning services.

Matthew Benefiel is a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with families, individuals, and businesses to develop customized wealth management strategies. His expertise includes portfolio design, manager selection, investment due diligence, and performance evaluation. He utilizes a disciplined process to build custom portfolios aligned with clients' objectives and regularly assesses investments to adapt to changing needs and market conditions. Additionally, Matthew employs Merrill Personal Wealth Analysis® to develop personalized financial plans that establish clear goals and track progress. Matthew joined Merrill Lynch Wealth Management in 2017 as a Financial Advisor for the Benefiel Group. He holds a Bachelor of Science degree from Biola University and maintains the CERTIFIED FINANCIAL PLANNER™ certification. Furthermore, he has earned the Personal Investment Advisor (PIA) designation. Residing in Phoenix, Arizona, Matthew lives with his wife, Heather, and their daughter, Ruby. Outside of his professional responsibilities, he enjoys playing golf and supporting the Phoenix Suns basketball team.

Steven Miranda is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill in 2005 after earning a Bachelor of Science degree in Finance and Investment from California State University, Long Beach. Throughout his tenure, Steven has held various roles within the Global Wealth and Investment Management division and the Preferred Banking and Investments division, providing him with a comprehensive understanding of the resources and capabilities across both Merrill and Bank of America. Steven's expertise covers customized portfolio management, risk mitigation, liability management, tax minimization, cash flow analysis, estate planning, and business acquisition and succession planning. He aims to deliver thorough and accurate financial advice that optimizes wealth management strategies to meet the challenges of a dynamic economic environment. Steven holds multiple professional designations, including Certified Financial Planner™ (CFP), Chartered Retirement Planning Counselor℠ (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He also completed an Accredited Certificate Program at the University of California. In his personal time, Steven and his wife Karla live with their dog Charlie in south Orange County, California. They engage in health and fitness activities, traveling, cooking, reading, and participating in their community.

Alexander Yerkes is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Prior to joining Merrill, he worked in the food and beverage sector and assists Sharpe Traditions, a company that provides holiday decorations for business buildings. Merrill, along with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse range of clients.

David Bravo is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. from 2011 to 2019. Outside of his advisory role, he serves as a trustee for the A and T B Living Trust. 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.

Jamar Cokley is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 20 years of industry experience. His prior roles include positions at Charles Schwab, Bank of America/Merrill Lynch, Mutual of Omaha Insurance Co, Empower, and TIAA. He is based in San Clemente, CA. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Le Ning Zhu is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2017, Zhu worked at Bank of America, N.A. from 2012 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market data models.

Patrick Mcginley is a financial advisor with Primerica Advisors in Mission Viejo, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1992. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure, focusing on non-institutional clients.

William Duggins is a CFP® with 40 years of industry experience, currently practicing at LPL Financial. He has been affiliated with Linsco/Private Ledger Corp. since 2005. Outside of financial advising, he is a licensed real estate broker in California and is working on a non-business-related book. LPL Financial is an SEC-registered investment adviser and broker‑dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research.

Kasandra Schindler is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with J.P. Morgan Securities since 2009 and also works with JPMorgan Chase Bank, where she offers a range of banking products and services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision-making authority.

Heidi Lynn is a financial advisor with Merrill, holding a Series 66 designation and over 26 years of industry experience. She has been with Merrill since 2009 and has an overlapping tenure at Bank of America dating back to 2006. Outside of her advisory role, she serves on the board of Texttelligent Inc. and is involved as a general partner in an LLC that manages a power catamaran for leasing and personal use. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a range of clients including individuals, high-net-worth clients, and institutional investors. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, with a focus on tax-aware options for investors with higher tax sensitivity.

George Yezbak Jr. is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has 24 years of industry experience. He has worked with J.P. Morgan Securities since 2008 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC 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. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Thomas Doughty is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Newport Beach, California. He leads a team with over 48 years of combined industry experience, working closely with entrepreneurs, business owners, and executives. Thomas provides tailored financial advice aimed at helping clients pursue personal and family goals, including employee benefits planning, family wealth management, retirement income, and tax minimization. His clientele often includes individuals with sophisticated needs who seek to simplify complex financial situations and achieve purposeful financial outcomes. With a career spanning several decades since beginning as an intern at a local financial firm at age 17, Thomas brings a depth of perspective and judgment cultivated from navigating various market cycles. He values integrity and meaningful client relationships, many of which have lasted over thirty-five years and extended across generations. His advisory approach emphasizes thoughtful, forthright guidance supported by a broad network of resources when specialized expertise is needed. Thomas holds a Bachelor’s Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. He participates in the professional organization USRowing and is involved in community initiatives such as Curing Autism Now and the Huntington Beach Charger Special Needs Flag Football program. Outside of work, Thomas enjoys biking, cooking, golfing, music, coaching his children’s sports teams, rowing, and traveling with his family.

William Moore is a financial advisor at Merrill with 45 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2008, also working at Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.