Luca Caligo is a financial advisor with UBS Financial Services, holding a Series 66 designation and beginning his advisory career in 2025. His prior work experience includes roles at the County of Sonoma, Kern County, and various retail and educational institutions. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, utilizing model-based asset allocations and proprietary research to tailor investment solutions. The firm combines wealth management with institutional trading capabilities and offers a broad range of financial services.

William Ruiz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 registrations, and has 31 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and planning tools, with clients having discretion over implementation through various brokerage or advisory programs.

Jesse Hinojosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and concurrently affiliated with Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services tailored to plan objectives, with an investment menu that notably includes insurance-related vehicles and bank deposit sweep options.

Lisa Quartarone is a financial advisor with Charles Schwab in Torrance, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. Outside of her advisory role, she serves as Treasurer for the West Village Homeowners Association. 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 and discretionary investment solutions, utilizing multi-asset model portfolios and access to alternative investments within a large, integrated platform.

Michelle Hur is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2018. In this role, she partners with clients to understand their priorities and collaborates to develop customized financial plans that align with their needs and objectives. Prior to joining Fidelity Investments, Michelle worked as a Financial Advisor at Merrill Lynch from 2016 to 2018. Michelle emphasizes building strong, long-term relationships with her clients, focusing on trust, reliability, and professional competence. She holds a California Insurance License, supporting her ability to provide comprehensive financial guidance.

Brandon Higa is a financial advisor with Morgan Stanley in Rolling Hills Estates, CA, holding a Series 66 designation and bringing 17 years of industry experience. He previously worked at E*TRADE Capital Management and E*TRADE Securities. Outside of finance, he is an officer of Big Head Productions and an active SAG-AFTRA actor. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through structured planning tools and a range of investment offerings.

Sophia Rosa is a Series 66-registered financial advisor with Morgan Stanley in New York, NY, and has three years of industry experience. Her career history includes roles at Morgan Stanley Private Bank, KeyBank, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services across retail and institutional markets with various investment and planning resources.

Andrej Simunac is a Senior Financial Advisor with Merrill, headquartered in El Segundo, California. He works with clients from diverse professions including doctors, dentists, CPAs, attorneys, executives, and business owners. Andrej assists them in evaluating their readiness for financial milestones such as financial freedom by integrating various aspects of their financial lives including investments, wealth planning, lending, cash-flow, wealth transfer, and savings. With more than fifteen years of experience in banking and wealth management, Andrej began his career with Wells Fargo as a Licensed Banker and transitioned to Merrill in 2011. He has held positions such as Financial Advisor and Private Banker before returning to Merrill in 2022. He holds a Bachelor's Degree from California State University, Northridge, and has earned the Personal Investment Advisor (PIA) professional designation. He is fluent in Serbo-Croatian, German, and English. Outside of his professional role, Andrej enjoys spending time with his wife, two sons, and daughter. He participates in outdoor activities such as paddle boarding, kayaking, running, hiking, and backpacking in the Sierras. Originally from the former Yugoslavia, he has a keen interest in travel and is familiar with destinations including Croatia and Mexico. He is also involved in community service through donating blood.

Miles Irish is a financial advisor with Merrill and holds a Series 63 designation. He has 38 years of industry experience, including over three decades at Merrill and 15 years with Bank of America. Outside of his advisory work, he assists with the development and marketing of Running2win.com, a running training log website used by elite, collegiate, and high school cross country teams. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and institutional investors.

Dimitri Glavas is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He previously worked at JP Morgan Securities LLC for seven years before joining Wells Fargo in 2021. Outside of his advisory role, he is involved in film production as a business owner. 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 advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

James De Falco is a financial advisor with LPL Financial in Redondo Beach, CA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at LPL Financial since 2017 and previously was with National Planning Holdings and National Planning Corporation. 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 broad range of financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Rashaan Coleman is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Fidelity Brokerage Services LLC, and Bank of America. Outside of his advisory role, Coleman serves as a board member and vice chair of the Finance Committee for the Coalition for Engaged Education, a nonprofit focused on children and youth. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-designed tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Roy Payo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked with multiple entities within the Cetera network since 2019 and previously spent ten years with AIG SunAmerica Capital Services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individual, retirement plan, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Roya Salehirad is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 21 years of industry experience. She has been with RBC Capital Markets since 2012. Outside of her advisory role, she is an active owner managing an income property in Palm Desert, California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with tailored strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management and financial planning services.

Martha Holladay is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2013. Outside of her advisory role, she is a California Notary Public. Charles Schwab 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 research and alternative investment options.

Art Ignacio is a financial advisor at Stifel with 38 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Stifel Nicolaus & Co Inc since 2019. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support client decision-making.

Justin Tafoya is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America, Merrill, Morgan Stanley, and E*TRADE. Prior to his finance career, he was employed at DoorDash Inc. and American Airlines. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Michael Soriano is a financial advisor with Wells Fargo Clearing in Torrance, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and Wells Fargo Bank NA since 2014. Outside of his advisory role, he assists with managing a rental property jointly owned with his spouse. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Rodney Viloria is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Western International Securities and National Planning Corporation. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Darin Miller II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven 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 services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.