John Herzog is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. His prior roles include positions at Liberty Capital Strategists, Inc., Doma, Inc., and other firms. Outside his advisory work, he is the founder and CEO of Herzog Investment Management, where he provides personalized financial planning and investment management services, and he also works as an independent Uber driver. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and offers integrated brokerage and advisory services, financial planning, and access to multiple third-party investment platforms.

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.

Jud Crary is a Series 66 licensed financial advisor with 23 years of industry experience, currently practicing at Wells Fargo Advisors Financial Network since 2015. He serves as vice chairman of the Philharmonic Society in Irvine and is the lead singer for The Grateful Dads, a local music group. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutions. The firm provides tailored recommendations supported by proprietary research and planning tools, serving clients through a broad menu of planning options and optional implementation through various brokerage and advisory programs.

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.

Abraham Azar is a financial advisor with UBS Financial Services in Irvine, CA, holding the Series 66 designation and three years of industry experience. His prior work includes positions at several law firms, including Jeffer Mangels Butler & Mitchell LLP and Dechert LLP. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based asset allocations to tailor investment plans and provides fiduciary financial planning services when engaged.

Christine Hermosillo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

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.

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.

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.

Nicholas Dodson is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and based in Irvine, CA. He has been with Thrivent since 2026 and has prior experience at Dependable Life Group LLC, Family First Life, Amazon, Center for Autism and Related Disorders, and Nordstrom. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on holistic, goal-based analyses and written recommendations across various financial planning topics. The firm offers ongoing or one-time planning engagements and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Glenn Hamburger is a CFP® with eight years of industry experience, currently associated with Wells Fargo Clearing. His prior roles include positions at JPMorgan Securities LLC, Banc of California, and Bank of the West. He serves as an Advisory Board member for the University of California, Irvine Paul Merage School of Business Center for Investment and Wealth Management. 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, grounded in modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Derick Roberts is a Series 66-licensed financial advisor with Edward Jones in Tustin, CA, where he has worked since 2017. He has eight years of industry experience, including four years at Atlas Copco prior to joining Edward Jones. Outside of his advisory role, he participates in local business networking through the Santa Ana Chamber of Commerce and BNI in Fullerton, assisting with small business connections and financial planning questions. Edward Jones is a full-service wealth management firm serving a broad client base, including individuals, institutions, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment advisory services, combining a large national advisor network with affiliated capabilities such as a trust company and proprietary mutual funds.

Robert Arvizu is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has worked at J.P. Morgan Securities since 2011 and at JPMorgan Chase Bank, N.A. since 2016. 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 delivered through a select group of Wealth Advisors.

Tian Gao is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial Services. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Barbara Stowell is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with LPL Financial since 2004. Stowell is active in business networking through her involvement with BNI in Irvine. LPL Financial serves a broad client base including individuals, retirement plans, institutions, and charitable organizations, offering a range of advisory and brokerage services supported by in-house and third-party research and portfolio management tools.

Jack Banning is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior tenure at Merrill from 2009 to 2017. Banning has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to support client outcomes.

Edilia Noa is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

David Conroy is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.