Andre Julian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the investment industry in 1996 and joined the Merrill Financial Advisory team in 2013. As a former business owner and CFO of an independent investment advisory firm, Andre offers financial strategies tailored to business owners, high-net worth individuals, and families, taking into account their risk tolerance, time horizon, liquidity needs, and overall investment goals. Andre's experience includes years as a television analyst for CNBC, Bloomberg, and the Fox News Network, which enhanced his understanding of market influences and his ability to communicate complex investment concepts. He emphasizes that sound financial advice is grounded in proper portfolio allocation strategies customized to individual client needs rather than individual market picks. Andre follows a disciplined wealth management process based on established investment principles while allowing flexibility to adapt to changing economic conditions. Client information serves as the foundation for customized strategies, supported by the resources available through Merrill Lynch Wealth Management. Andre holds a Bachelor of Arts in Psychology and a Master of Arts in Social Ecology, both from the University of California at Irvine. He holds the Certified Investment Management Analyst® (CIMA) designation from the Investments and Wealth Institute™ and the Chartered Retirement Planning Counselor™ (CRPC) designation from the College for Financial Planning Institutes Corp. Andre speaks English and Ukrainian. He is involved with several community organizations, including the Dita Power of Sight Foundation, the LEAP Leadership Foundation, and the UCI Business School MBA Mentor Program. Andre and his wife, Christine, reside in South Orange County, California, where they enjoy an active lifestyle.

Dylan Edwards is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. He holds a Series 66 designation and has worked with Cambridge Investment Research and as a self-employed advisor since 2019. Outside of his advisory role, he is involved as an independent insurance agent with Presidio Life LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms and incorporates both proprietary and third-party strategies.

Joseph Katzaroff is a financial advisor at UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has worked at Painewebber Incorporated since 1988. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk profiles.

Cole Finley is a financial advisor at RBC Capital Markets with six years of industry experience and holds a Series 66 designation. Prior to joining RBC, he was involved in the hospitality industry, including management roles at Tin Roof Bistro, Simms Restaurant, and Downey on Draft LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Sean Balkhi is a Wealth Management Advisor with over 20 years of experience at Merrill Lynch Wealth Management and Bank of America. He serves a diverse client base that includes active and retired business owners, physicians, attorneys, and individuals entering their peak earning years across California and more than 15 other states. Sean focuses on crafting customized financial strategies that align with clients' personal and professional goals, with a primary emphasis on retirement planning, tax-efficient income distribution, Social Security analysis, long-term care evaluation, and legacy planning. Prior to his career in wealth management, Sean was a mechanical engineer with the Department of Defense, experience that contributes to his strong analytical approach in examining market dynamics, corporate balance sheets, and specific investments. He holds multiple professional designations including Certified Private Wealth Advisor (CPWA), Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sean earned both a Bachelor of Science degree in Engineering and an MBA from California State University System. Sean resides in Coto de Caza with his wife Rozina and their three children. Outside of his professional work, he enjoys mountain biking, playing golf, and fishing. He emphasizes clear communication with clients, working with both spouses to develop strategies that minimize stress and help clients achieve meaningful financial goals.

Shah Ahmed 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 Wells Fargo Clearing, Wells Fargo Bank, and JPMorgan Chase Bank, among other firms. Outside of finance, he has experience operating a 7-11 franchise. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling and a centralized due diligence process, incorporating an ESG eligibility framework when recommending investment strategies.

Stanley Bruno is a CFP® with 53 years of industry experience, currently serving with OSAIC since 1989. He specializes in fixed annuity and fixed life sales through his sole proprietorship. OSAIC is a large financial services firm serving a diverse client base that includes individual, high-net-worth, institutional, and charitable clients. The firm provides integrated brokerage and advisory services with a range of investment platforms, employing asset-allocation tools and third-party solutions for portfolio management.

Courtney Cramer is a financial advisor at Wells Fargo Advisors with a Series 66 credential and five years of industry experience. She has worked at Wells Fargo Advisors since 2018 and previously held roles at Incite Agency, ManagePointe Technologies, Huemanly, and Wells Fargo Bank. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients through a wide range of investment and fee-based financial planning services. The firm offers comprehensive planning options tailored to clients meeting certain net-worth criteria and integrates advisory services with various financial products and referral channels.

Theresa Allen is a financial advisor with RBC Capital Markets and holds a Series 63 designation. She has 33 years of industry experience, previously working at First Republic Securities Company and First Republic Investment Management. Outside of her advisory role, she serves as Board Chair and Governance Committee member for The Wooden Floor, a nonprofit focused on youth development through dance, and is Treasurer of Shaw's Cove Yacht Club. RBC Wealth Management serves individual and institutional clients with tailored investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm utilizes a combination of in-house and third-party investment managers and provides a range of advisory programs designed to meet varied client needs.

Connor Cole is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked at UBS since 2021. Prior to his advisory role, he was employed at Property Prep and has a background that includes roles at California Lutheran University, Handel's Ice Cream, and Bishop Montgomery High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Eric Owens is a CFP® professional with eight years of experience in financial advising. He is currently with Stifel, where he has worked since 2020. Prior to that, he held positions at Raymond James Financial Services Advisors and Wells Fargo Advisors. Owens serves on the advisory board of the California Family Life Center, a nonprofit supporting children affected by abuse and abandonment. Stifel serves a broad range of clients, including individuals, institutions, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Evan Lavoie is a financial advisor with OSAIC in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. His prior firms include Lincoln Financial Advisors and LPL Financial. He is also licensed as an insurance agent, offering accident, health, traditional life insurance, and fixed annuities. OSAIC serves a diverse range of retail and institutional clients through a large network of advisors, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management.

Tyler Masukawa is a financial advisor at UBS Financial Services with eight years of industry experience. He has been with UBS since 2017 and previously worked at Capital Group for one year. He holds the Series 66 designation and is based in Irvine, CA. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Jessica Ornelas is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Her work history includes roles at Bank of America, Merrill, and Zutila, Inc., along with earlier positions outside finance during her time at the University of California, Irvine, In-N-Out Burger, and Pacheco High School. Merrill, together 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 individuals, institutions, and charitable organizations.

Kyra Hanson is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has previously worked at BlackRock and Henderson Management & Real Estate. Outside of finance, her background includes roles in tutoring and various service industry positions. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a systematic investment approach combining proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Michael Misak is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jonathan Smith is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. He partners closely with individuals and families to serve as their primary point of contact for banking, lending, investment, and planning needs. His work focuses on addressing complexities related to retirement, including longer life expectancies, uncertainties surrounding Social Security, declining employer-sponsored benefits, healthcare costs, taxes, inflation, and estate considerations. Jonathan aims to build trust, develop dynamic and personalized plans, and help clients implement strategies tailored to their financial goals. Jonathan earned a High School Diploma/GED from the California State University System. He is affiliated with Merrill Lynch Wealth Management.

Edward Rosenblatt is a financial advisor with Cetera who holds a Series 63 designation and has 31 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Rosenblatt serves as an Investment Advisory Commissioner for the City of Mission Viejo and is president of the Saddleback Art League, a local nonprofit organization. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, providing advisors access to affiliated and third-party managers across multiple program structures.

Sean Hooper is a financial advisor with OSAIC in Irvine, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at Lincoln Financial Advisors, Inc. for eight years. Outside of his advisory role, he is the owner of Edelweiss Sports Cards, a business focused on buying and selling sports cards. OSAIC serves a diverse range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using advanced asset-allocation tools and offers access to multiple advisory platforms and third-party money managers.

Derwyn Anda is a financial advisor with LPL Financial in Rancho Santa Margarita, CA, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior work includes positions at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC. He is currently involved with San Diego County Credit Union Investment Services in connection with his LPL business. 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 and brokerage services, including financial planning and retirement plan consulting, and provides model portfolios and research from multiple sources.