Peter Rivas is a CFP® with 13 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. His prior roles include positions at FSC Securities Corp and Edward Jones. Outside of his advisory work, he serves as a board member for the nonprofit organization LINKS Players International and as a commissioner for the City of Huntington Beach. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Loni Ang is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 28 years of experience in the financial services industry and was recruited to Merrill Lynch in 2009 from Morgan Stanley Smith Barney. Loni advises families, business owners, and corporate executives, focusing on private wealth management. Her expertise includes tax-aware investment management, cash management strategies, liability management, retirement planning, estate planning services, philanthropic consulting, and insurance solutions for risk management and wealth transfer strategies. She holds a CERTIFIED FINANCIAL PLANNER (CFP) designation and maintains insurance and annuity licenses, as well as Series 7, 63, 65, and Futures Managed Funds FINRA registrations. Loni began her career as a Certified Public Accountant at Ernst & Young, LLP. She holds a Bachelor's degree in Accounting and a Master's degree in Finance, both from the University of Southern California. She serves on the board of the Ernst & Young, LLP Alumni Association and has been a Director for the California Society of CPAs. She was named to the 2024 Forbes "Top Women Wealth Advisors Best-in-State" list.

Kristi Jund is a financial advisor with Stifel, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2020 and previously spent 11 years at Morgan Stanley Smith Barney. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

Judd Frank is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing and its predecessor entities since 2010. Outside of his advisory role, he owns a business selling original music and performs as a musician. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Gabriele Bliss is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2009 and Bank of America, N.A. since 1999. 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.

Tyler Smith is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds the Series 66 designation and has been with UBS since 2014. Outside of his advisory role, Smith serves as an assistant coach for Simply Pure Baseball Club & Academy, a nonprofit youth baseball organization. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Ronald Witter Jr. is a financial advisor with LPL Financial in Newport Beach, CA, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. His prior roles include positions at Stifel Nicolaus & Co Inc and Morgan Stanley entities for over 20 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Alice Abdalian is a financial advisor with UBS Financial Services in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

Ryan Hollaender is a financial advisor with UBS Financial Services in Newport Beach, CA. He holds a Series 66 designation and has 16 years of industry experience, including over 17 years with UBS Financial Services. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocations tailored to clients' goals and risk tolerances.

Russell Cecil is a Senior Financial Advisor at Merrill Lynch Wealth Management located in Irvine, California. He joined the firm in 2019 and serves as a managing member of a family-led team with over 80 years of combined experience. His team focuses on providing customized wealth management strategies that emphasize simplification, tax efficiency, transparency, and results meaningful to clients. Russell graduated from Chapman University's Argyros College of Business and Economics with a Bachelor of Science degree in Finance. He has earned the Accredited Portfolio Management Advisor (APMA™) and Chartered Retirement Planning Counselor (CRPC™) designations, which enhance his capabilities in overseeing client portfolios and aligning financial strategies with client goals. His areas of expertise include education planning, family wealth management, legacy planning, liquidity management, socially responsible and ESG investing, investment strategy, tax minimization, and retirement income planning. Outside his professional work, Russell is actively involved in community and professional organizations such as the Sons of the American Revolution, Orange Elks Lodge 1475, the Boy Scouts of America, and The American Foundation for Suicide Prevention. He holds the rank of Eagle Scout and serves as an Assistant Scout Master for local Orange County troops. Additionally, he mentors students at Chapman University who are pursuing careers in wealth management. He lives in Orange County with his wife, Cambria, and enjoys camping, exploring local cuisine, and gardening.

Mitchel Fortin is a Planning Consultant currently working at FRRM Fidelity since 2023. In his role, he partners with clients to assist with strategy and retirement planning. He holds a California Insurance License, enabling him to provide insurance-related financial guidance. Specific details about his educational background or additional credentials are not provided.

Adam Preston is Vice President, Wealth Planner at Fidelity Investments, where he partners with affluent clients and their families to develop comprehensive financial plans. In this role, he focuses on understanding clients' needs to empower them in making meaningful decisions aligned with their life goals. Adam has been with Fidelity Investments since 2015, holding various positions including Financial Consultant, Investment Consultant, Relationship Manager, Trading Execution Representative, and High Net Worth Representative. His experience encompasses wealth planning, client relationship management, and investment consulting. He holds a California Insurance License. Outside of work, Adam's personal interests include baseball, beach, football, golf, music, and traveling.

Phoebe Chao is a CFP® professional with 22 years of experience in financial advising. She is currently with Charles Schwab, where she has worked since 2018, following prior roles at USAA Investment Management Company and USAA Financial Advisors. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by integrated custody, brokerage, and cash-sweep services.

Anthony Meza is a financial advisor at Raymond James & Associates with 17 years of industry experience. He holds the Series 66 designation and has previously worked at D.A. Davidson & Co. and UBS Financial Services. 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 high-net-worth individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Trevor Lanphear is a financial advisor at Morgan Stanley with seven years of industry experience. He has held positions at firms including The Vanguard Group, GTIF Capital, and Mass Mutual. His credentials include Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and utilizes a structured financial planning process supported by firm-approved tools and insights from its Global Investment Committee.

Stephen Ellingsen is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. Prior to joining Raymond James in 2024, he worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2015 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a broad range of portfolio management styles and affiliated research.

Jeffery Hamilton is a Series 66-licensed financial advisor with 20 years of industry experience. He has been with UBS Financial Services in Newport Beach, CA since 2013. UBS Financial Services Inc. 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 combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Tenley Hardt is a financial advisor with LPL Financial, holding a Series 66 credential and seven years of industry experience. Prior to joining LPL Financial in 2023, she worked at Bank of America and Merrill from 2019 to 2023. Outside of financial advising, she has been involved in several entrepreneurial ventures, including businesses focused on design and strategy. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management options through a large network of advisors, supported by various platforms and tools, serving over 22,800 advisors and overseeing more than $819 billion in discretionary assets.

Daniel Marks is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley in 2019. Marks also serves as a trustee and co-trustee in a trust-related role outside of his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analysis from its Global Investment Committee.

Jeffrey Fichtner is a Senior Financial Advisor with Merrill Lynch Wealth Management and leads a team of four professionals known as The Newport Group. Since beginning his career in wealth management in 1984, Jeff has accumulated over 35 years of experience in the industry. He focuses on a range of client needs including college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Jeff holds a Bachelor of Science degree in Finance from Northern Illinois University and holds the Personal Investment Advisor (PIA) designation. Jeff resides in Newport Beach with his wife Nancy and has two grown sons. His personal interests include biking, billiards, fishing, golfing, horseback riding, scuba diving, skiing, table tennis, yoga, and spending time with his family.