Evan Munaretto is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs & Co. LLC. Outside of finance, he has experience with Heyday Wellness LLC and SoulCycle. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may incorporate an ESG eligibility framework.

Jessica Lundquist is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been affiliated with Bank of America, N.A. and Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

David Almquist is a financial advisor at Stifel with 48 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Almquist holds Series 63 and Series 65 designations. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment guidance is based on a proprietary methodology from its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling.

Gerry Pak is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional clients. The firm uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Marco Aguirre Espinosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Clearing since 2021 and previously held roles at LYFT and Wells Fargo Bank, N.A. Outside of his advisory work, he has also worked as a driver for LYFT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and acting as an ERISA fiduciary when providing investment advice.

Howard Hsieh is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2014. His prior work includes a role at East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and retirement services, featuring a multi-manager platform and various program structures with discretionary and non-discretionary options.

William Parton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience spanning multiple roles in financial services since 2018. His background includes positions at Armada Analytics, HG Sply, Hanley Investment Group, and Wells Fargo Advisors, as well as earlier work outside finance. 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, serving as an ERISA fiduciary and including investment options such as insurance-related vehicles and bank deposit sweep programs.

Richard Ward is a CFP® with 47 years of industry experience, currently serving as a financial advisor at Stifel since 2012. His professional affiliations include memberships and board roles with several nonprofit organizations focused on philanthropy and community engagement, such as Advisors in Philanthropy Orange County Chapter and OneOC. He is also the author of the self-published book *Redefining Retirement* and is involved in organizing educational events that promote community involvement. Stifel serves a diverse client base including individual, institutional, and charitable clients, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides a range of fee-based financial planning and asset allocation services tailored to client needs.

Ashley Lyne is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise, Ashley held positions at The Ups Store and spent time at Durham University and La Salle University. Outside of financial advising, Ashley is involved with The Ups Store. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Don Stalker is a CFP® professional with over 31 years of experience in the financial services industry. He has worked at Cambridge Investment Research Advisors since 2005 and previously spent seven years with Waddell & Reed. Outside of his advisory role, he is involved in the performing arts as a musician and songwriter. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages assets across multiple platforms and custodians while offering both discretionary and non-discretionary management options through proprietary model strategies and third-party advisers.

Erik Heimstaedt is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing for ten years. Outside of his advisory role, he is involved in managing a rental property in Newport Beach, CA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics to evaluate investment options and provides both brokerage and advisory solutions at a large scale.

Joseph Mccullough Jr. is a financial advisor with Charles Schwab in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab since 2006 and Charles Schwab Bank, SSB since 2011. Charles Schwab & Co., Inc. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab Center for Financial Research due diligence.

Fernando Hirugami is a financial advisor with Merrill in Riverside, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he was involved with Vision Solved Wealth Management Group and has experience in marketing, wealth management, and estate planning. Outside of his advisory role, he is owner and operations manager of Shift Studios LA, a clothing studio. 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 and profit-sharing plans, corporations, and charitable organizations.

Sergio Soto is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and 12 years of industry experience. His prior roles include positions at Merrill, Bank of America, N.A., and Unionbanc Investment Services. He is based in Irvine, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory.

Kevin Bonner is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill since 2018 and Bank of America, N.A. since 2025, along with prior experience in contracting at Dan Spain Contracting. 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.

Jack Fierro is a financial advisor at RBC Capital Markets with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Citigroup, Aaron Capital, Wells Fargo Advisors, and Irfan Consultancy. He also attended Carnegie Mellon University from 2019 to 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside extensive capital-markets capabilities.

Jennifer Ahern is a financial advisor at LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. She has been with LPL Financial since 2002 and previously worked at Citigroup Global Markets from 1999 to 2002. Outside of her advisory role, Ahern serves as president of the charity Opportunities for Orphans. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, trust companies, and other institutions.

Ryan Flynn is a financial advisor at LPL Enterprise with 20 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Prudential Insurance Company of America, Pruco Securities, Edward Jones, J.P. Morgan Securities, and other firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Jana Feathers is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank NA since 2010. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Tess Buenaventura is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Charles Schwab and TD Ameritrade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.