Rory Hart is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Lincoln Financial Securities Corporation, and The Prudential Insurance Company of America. Hart also manages Riley-Hart Capital Inc., a separate business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Robert Packin is a financial advisor with Wells Fargo Clearing in San Clemente, CA, holding a Series 66 designation and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes unique offerings like insurance-related vehicles and bank deposit sweep options within its investment menus.

Taylor Freitas is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Movement Mortgage and Loan Depot. Outside of his advisory role, he is involved in a family tutoring business, primarily handling bookkeeping. 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 and discretionary investment management with access to multi-asset model portfolios and alternative investments.

Patricia Bacho is a financial advisor at UBS Financial Services with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments and UBS Financial Services. Outside of her advisory role, she is employed as an administrative employee at Supan Detailing Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Dana Terry is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he advises his spouse on business decisions related to the manufacturing of green coffee bean powder and oil through a family-owned enterprise. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Sasha Kottmeier is a financial advisor with UBS Financial Services in Irvine, CA, holding a Series 66 designation and having 26 years of industry experience. Kottmeier has been with UBS since 2005 and is also the sole owner of Anarchy Motorcycles, a business involved in buying and selling motorcycles, cars, and real estate. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, integrating proprietary research and model-based asset allocations to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Phoebe Jaramillo is a financial advisor with Stifel in Irvine, CA, holding Series 63 and Series 66 licenses and having 13 years of industry experience. Her prior roles include positions at Finance 500 Inc., Securities America Advisors, and Michele Young. She is a licensed life and health insurance agent in California and receives residual commissions from past insurance business activities. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Roberta Welsh is a financial advisor with LPL Financial who holds a Series 63 designation and has 41 years of industry experience. She has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers various advisory and brokerage services supported by model portfolios, third-party research, and multiple investment strategies.

Brian Sognefest is a financial advisor with Charles Schwab in Mission Viejo, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He worked at Roth Capital Partners for 20 years before joining Charles Schwab and Charles Schwab Bank in 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive operational structure combining advisory, brokerage, custody, and cash-sweep services.

Zachary Stuart is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including JP Morgan Securities, Bank of America, Merrill Lynch, and loandepot. He is also associated with SchoolsFirst Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

William Parton is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy development, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Curtis Rach is a financial advisor at Wells Fargo Advisors in Irvine, CA, with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he owns CRACH CONSULTING, providing consulting services for financial practices. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet net-worth thresholds, utilizing Wells Fargo research and tools to deliver customized recommendations.

Matthew Manskar is a financial advisor with OSAIC in Irvine, CA, holding a Series 66 designation and five years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors for four years and had brief roles at Morgan Stanley and Cal Poly Pomona. Manskar is also licensed as an insurance agent offering fixed and indexed annuities, as well as other fixed insurance products. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes firm-provided asset-allocation tools and third-party services to construct client portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Monica Choi is a financial advisor at RBC Capital Markets with one year of industry experience. She holds a Series 66 designation and has worked previously at Northwest Mutual, Pacific Premier Bank, and Davlyn Investments. Outside of her advisory roles, she has managed a room rental business. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through various in-house and third-party managers.

William Wood is a CFP® professional with 26 years of experience in the financial services industry. He is currently with OSAIC and previously spent 26 years at Lincoln Financial Advisors Corp. Wood is also involved in offering fixed insurance products, including fixed indexed annuities, through related consulting activities. OSAIC serves a diverse range of retail and institutional clients through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Niloufar Fatehi is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Her prior roles include positions at Bank of America, Union Bank, and Wells Fargo, along with teaching engagements at Cal State Fullerton, University of California Riverside, and Saddleback College. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Warren Chang is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2013 and 2014, respectively. 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 strategies for a variety of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Monin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 45 years of industry experience. He has served on the board of the El Toro Water District since 2015 and is an alternate board member for OCCOG. His prior experience includes a role at California Baptist University. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to deliver tailored, non-discretionary advice and supports clients through various advisory programs and institutional consulting.

Cindy Mo is a financial advisor at Cetera with 11 years of industry experience. She holds a Series 66 designation and has worked at Cetera since 2017. Her prior experience includes roles at LPL Financial, Merrill, Bank of America, and Cathay Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.