Theresa Kost is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at RBC Capital Markets since 2012 and at City National Bank since 2018. Outside of her advisory role, she serves as Treasurer of the Newport Beach Newcomers Club. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies according to each client’s risk profile, utilizing both in-house and third-party managers.

Michael Misak is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Adam Levi is a Wealth Management Advisor with Merrill Lynch Wealth Management. He advises individuals, families, and small business owners on asset and liability management strategies. Adam has been with Merrill since 2015 and has worked as a financial advisor since 2012. He focuses on areas including college education planning, family wealth management strategies, retirement income, tax minimization, and small business strategies. Adam holds a B.A. in Economics from the University of California, Riverside, where he graduated summa cum laude and was a member of the Phi Beta Kappa Honor Society. He earned his MBA from UCLA Anderson School of Management, conducting research in quantitative finance centered on the US equity market. Adam is a member of the CFA Institute and the CFA Society of Los Angeles. In addition to his professional work, Adam participates in community activities, including volunteering with the Fox Foundation. His personal interests include gardening, golfing, running, table tennis, tennis, and spending time with his family.

Edward Rosenblatt is a financial advisor with Cetera who holds a Series 63 designation and has 31 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Rosenblatt serves as an Investment Advisory Commissioner for the City of Mission Viejo and is president of the Saddleback Art League, a local nonprofit organization. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, providing advisors access to affiliated and third-party managers across multiple program structures.

Sarah Blosser is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at SurfTrade LLC and New York University Shanghai. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Michael Yen is a CFP® with 25 years of industry experience, currently serving at Morgan Stanley in Newport Beach, CA. He has worked with Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2010 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning services using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Ariana Bedolla Medina is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process includes structured discovery conversations and firm-approved tools, supporting clients in implementing and updating their financial plans.

Timothy Duffy is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation. Prior to joining Raymond James, he worked for Guaranteed Rate, Inc. for nine years. 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, institutional and pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Paul Williams is a CFP® and Series 66-registered financial advisor with 15 years of industry experience. He currently works at Cetera and has been part of the firm and its affiliate Cetera Wealth Services, LLC since 2013. Outside of his advisory role, Paul sells life, disability, annuities, and long-term care insurance as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Lily Huang is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in financial planning and investment management, aiming to help clients achieve financial freedom through personalized strategies that respond to evolving market conditions. Her client focus includes education planning, family wealth management, legacy planning, socially responsible investing, retirement income, and other areas. Lily was raised and educated in Sydney, Australia, where she earned a Bachelor of Applied Science in Chemistry from the University of Technology Sydney. Her professional background encompasses securities investment, banking, real estate, chemistry, nuclear radiation, and quality assurance. She holds the Personal Investment Advisor (PIA) designation and is fluent in six languages, including English, Chinese, Mandarin, Yue (Cantonese), Vietnamese, and Taiwanese. Committed to community involvement, Lily volunteers with organizations such as Festival of Children Foundation and serves as a mentor for foster children at Orangewood Foundation. She is also active with Career Village.org and the Rotary Club. In her free time, she enjoys hiking, line dancing, and playing musical instruments including the violin, piano, and mandolin.

Teresa Uzeta is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2014 to 2017. She has been with UBS since 2017, based in Los Alamitos, CA. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary research and model-based strategies to tailor plans to clients’ goals and risk tolerances, combining institutional trading capabilities with wealth management services.

Jean Kim is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Merrill since 2010. Outside of her advisory role, she is involved in a rental property business based in Irvine, California. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Pamela Carter is a Wealth Management Advisor and Vice President with Merrill Lynch Wealth Management. She specializes in designing tailored wealth management strategies to help clients pursue their financial goals, serving a diverse clientele including business owners, corporate executives, women, retirees, multigenerational families, professional athletes, coaches, agents, entertainment personalities, and creatives. Pamela focuses on organizing wealth, developing tax-sensitive strategies, and guiding clients through detailed financial plans and priority setting. With over two decades of experience as a Financial Advisor, Pamela joined Merrill Lynch Wealth Management in 2022, having previously worked at the firm and at UBS. She holds a Bachelor of Science degree in Industrial Engineering from California State Polytechnic University, Pomona, and an MBA with an emphasis in Finance from the Drucker-Ito School of Management at Claremont Graduate University. Pamela's professional credentials include the CERTIFIED FINANCIAL PLANNER® certification, Chartered Retirement Planning Counselor designation, Certified Exit Planning Advisor designation, and the Sports & Entertainment Accredited Wealth Management Advisor designation. She is also a qualified Portfolio Manager within Merrill Lynch Wealth Management. Born and raised in California, Pamela spends time with her husband and daughter, engaging in activities such as traveling, golf, and fitness. She also participates in a weekly global book club where she practices and speaks French.

Christina Mcdonough is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is co-owner and CFO of Specialized Contract Interiors, a manufacturing representative business in Mission Viejo, CA. 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 solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

David Martin is a Financial Advisor with Merrill Lynch Wealth Management based in Newport Beach. He works with individuals, families, and business owners to provide guidance on investment management, retirement planning, and comprehensive wealth management strategies. His approach centers on understanding clients' goals and simplifying complex financial decisions to help them plan confidently for the future. David emphasizes a long-term, personalized relationship with clients, focusing on their priorities and broader financial picture. He assists clients in managing investments, retirement planning, cash flow, and other financial decisions, adjusting strategies as clients' lives and goals evolve. Through Merrill Lynch Wealth Management, he leverages a variety of investment solutions, research, and planning resources to meet clients' needs. David holds a Bachelor's Degree from the University of Arizona and holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, he enjoys spending time with his family, traveling, playing golf, and participating in sports such as football, ice hockey, skiing, and soccer.

Mahnaz Nouri is a financial advisor with Edward Jones in San Juan Capistrano, CA, holding a Series 66 designation and eight years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Meredith Levin is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has been part of the team since 2008. She has been in the financial services industry since 2004, focusing on comprehensive financial strategies designed to build wealth and maintain financial security throughout all stages of life. Meredith assists clients with portfolio management, wealth planning, and a range of services including college education planning, family wealth management strategies, retirement planning, tax minimization, and retirement income. Meredith holds a Bachelor's Degree in Business Administration and a Master's of Business Administration in Finance, both from Baylor University. She is also a Certified Investment Management Analyst (CIMA) and a Personal Investment Advisor (PIA). Throughout her career, she has helped clients manage their wealth through multiple market cycles by defining financial goals and tracking results with comprehensive planning. She lives in Huntington Beach with her husband and two daughters. Meredith enjoys spending time outdoors, including activities such as baseball, dancing, football, reading, traveling, yoga, as well as visiting Disneyland with her family. She is involved in her community through organizations such as Beachcities Community Church, Christ Lutheran School, Eader Elementary School, Girl Scouts of Orange County, and Seaview Little League.

Adam Liquori is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at FSC Securities Corporation. Liquori serves as President and board member of APL Wealth Management Inc. and is a board member of the Laguna Niguel Military Support Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Jessica Kartzinel is a financial advisor with UBS Financial Services in Dana Point, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. She has been with UBS since 2008. Outside of her advisory role, she co-established DJ Kartz, LLC with her spouse and serves as a successor trustee for the Michelle M. Akins Family Trust. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans based on clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Gregory Maniaci is a financial advisor at Morgan Stanley with 40 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and holds Series 63 and Series 65 licenses. Outside his advisory role, he is involved with XM Properties LLC, a real estate business. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and investment modeling but generally acts in an advisory capacity without offering individual security recommendations as part of standalone planning.