Adriane Joya is a Series 66 licensed advisor with Merrill in Newport Beach, CA, and has 12 years of industry experience. She has been with Merrill since 2013. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Megan Lau is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with J.P. Morgan Securities since 2008 and JPMorgan Chase Bank, NA since 2010. In addition to her advisory role, Megan is also an employee of JPMorgan Bank, enabling her to offer certain bank products and services. 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 a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Erika Dominguez is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has experience working at Merrill prior to joining Morgan Stanley. Her background includes roles in both educational institutions and a small business venture outside of finance. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes with firm-approved methodologies while generally acting in an advisory capacity for financial plans.

William Sheaffer is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with 13 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2013, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and modeling techniques but generally acts in an advisory capacity without individual security recommendations as part of standalone planning.

Towfiq Chitalwala is a financial advisor with Merrill in Lake Forest, CA, holding Series 63 and Series 65 credentials and having 19 years of industry experience. He has worked at Bank of America and Merrill since 2018, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors from 2013 to 2018. 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 plans, corporations, and charitable organizations.

Brett Bevan is a Series 66–licensed financial advisor with Fidelity, bringing 17 years of industry experience. He has been with Fidelity and its affiliated entities since 2009. Outside of his advisory role, Bevan serves as an Investment Committee Member for the Saddleback Laguna Lodge #672 Free and Accepted Masons and as a Director of Circuit Assembly Corp. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to registered investment companies and constructs model portfolios employing systematic methodologies and long-term asset allocation benchmarks.

Scott Lee is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021. Prior to his financial services career, his background includes roles in education and customer service. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to affiliated discretionary separate managed accounts. The firm is notable for its large scale and integrated structure, providing bundled advisory, brokerage, custody, and cash-sweep services.

Kerry Givant is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked since 1983. He leads the Givant/Tschopp Group, providing financial and wealth management advice with a focus on family wealth management strategies, liquidity management, retirement planning, philanthropic planning, and portfolio management services. Kerry holds multiple licenses and registrations, including insurance and annuity licenses, Series 3, Series 7, Series 63, and Series 66 FINRA registrations. He is a qualified Portfolio Manager, able to build personalized investment strategies involving individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. He provides fiduciary services for 401(k) plan management and holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A graduate of Cornell University, Kerry is based in Corona Del Mar. He has extensive community involvement, including service as a board member for the American Cancer Society/Orange County and the Andersen DEANs. He has coached and managed various youth sports teams, particularly soccer, baseball, basketball, and softball. He holds a referee certification and coaching license in soccer. Kerry enjoys hiking, travel, sports, and spending time with his family and pets.

Madeline Wolfson is a financial professional with three years of industry experience. She currently works at OSAIC and holds Series 63 and Series 65 licenses. Her prior experience includes roles at Cetera and Tax & Financial Group. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Michael Williams is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999 and Bank of America, N.A. since 2011. 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 strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Claudia Lovell is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has worked previously at UBS Financial Services and First Republic Securities Company, LLC. Lovell is based in Newport Beach, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Brandon Hunt is a financial advisor at Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 66 licenses with 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and models.

Lea Inouye is a financial advisor with Ameriprise in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Ameriprise and its affiliated entities since 2010. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Brian Wood is a financial advisor with Charles Schwab who holds a Series 66 designation and has 23 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Merrill, and Bank of America. 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by strategic asset allocation models and a formal alternative-investment due diligence process.

Thomas Bennett Jr. is a CFP®-designated financial advisor with 36 years of industry experience, currently affiliated with Cetera. He has held roles at several firms, including Trilogy Financial Services, LPL Financial, and David Willett Financial, where he serves as operations manager. In addition to advisory work, he is an insurance agent specializing in life, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, ranging from automated allocations to bespoke strategies, overseeing more than $256 billion in assets.

Lu Stone is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several major firms, including Bank of America, Merrill, JP Morgan, and Wells Fargo. Outside of his advisory role, Stone serves as president of the Southern California Chinese Association, where he provides guidance on marketing strategy, hosts events, and offers career coaching and mentorship. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated custody and brokerage services.

Dylan Johnson is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and previously worked at Western International Securities, Wells Fargo Clearing Services, and Vertical Capital Asset Management. Outside of his advisory role, he is involved with Johnson Wealth Group, a business entity affiliated with his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by research tools and a wide network of investment adviser representatives.

Ruben Smith is a CFP® certificant with 22 years of experience in the financial services industry. He is currently affiliated with LPL Financial, where he has worked since 2022. His prior experience includes roles at JPMorgan Securities LLC and Osaic FA, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, supported by a large network of investment adviser representatives and various institutional platforms.

Leo Pravednikov is a Series 66 licensed advisor at Merrill with one year of industry experience. Prior to joining Merrill, he worked at Bank of America and has been involved with Raki Volleyball since 2026. He also attended UC San Diego from 2022 to 2026. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Timothy Werth is a financial advisor at Edward Jones with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.