Yoon Han is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2015, including a current role at Bank of America, N.A. beginning in 2022. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

William Cecil is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management, based in the Irvine, California office. He joined Merrill Lynch in 1977 after earning a Bachelor of Arts degree in Business Administration and Finance from Oregon State University. Mr. Cecil provides clients with a consultative approach to wealth management, focusing on customized financial strategies that consider their financial situations, risk tolerance, and time horizons. With nearly five decades of experience in the financial markets, his areas of expertise include education planning, family wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, and retirement income. He leverages the investment insights of Merrill Lynch Wealth Management and banking services from Bank of America to address comprehensive financial needs. Mr. Cecil resides in Orange County with his wife and four children. He is active in several professional organizations including the Sons of the American Revolution, Sons of the American Legion, and the Orange Elks Lodge 1475. He holds the Personal Investment Advisor (PIA) designation.

Thomas Podmajersky is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, he is involved in a real estate-related business with his wife, focused on property acquisition and potential rental activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides a broad range of capital markets services.

Nicholas Villasenor is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at prominent firms including Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he serves as Treasurer on the Board of Directors for St. John's Lutheran Church of Orange and is a board member of the Orange Grove Lodge #293 Free & Accepted Masons of California. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and capital markets services.

Douglas Speth is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas like business-owner transition and sports & entertainment planning, delivering tailored recommendations through comprehensive research and planning tools.

Blayne Dreyer is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has previously worked at The Elevated Living Collective, Bridge Bank, and Doordash Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios. The firm is notable for its role in managing registered investment companies, use of AI and algorithmic methods, and its registration with the CFTC as a commodity pool operator.

Michael Pepper is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and modeling techniques.

Mary Molnar is a financial advisor at Edward Jones with 11 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2015 in Newport Beach, CA. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Juliett Givogri is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2010. 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, pension plans, corporations, and charitable organizations.

Lily Anand is a Series 66 credentialed financial advisor with Morgan Stanley in Newport Beach, CA, bringing 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market scenario analyses.

David Kuang is a CFP®-certified financial advisor with over four years of industry experience, currently with UBS Financial Services in Newport Beach, CA. Prior to joining UBS in 2021, he worked at Bank of America N.A. for 16 years. In addition to his advisory role, he operates a mobile notary service in his local community. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market research and tailored asset allocations. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Steven Buck is a Certified Financial Planner® with nine years of industry experience, all with Edward Jones. He holds a Series 66 license and is based in Ladera Ranch, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andre Julian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the investment industry in 1996 and joined the Merrill Financial Advisory team in 2013. As a former business owner and CFO of an independent investment advisory firm, Andre offers financial strategies tailored to business owners, high-net worth individuals, and families, taking into account their risk tolerance, time horizon, liquidity needs, and overall investment goals. Andre's experience includes years as a television analyst for CNBC, Bloomberg, and the Fox News Network, which enhanced his understanding of market influences and his ability to communicate complex investment concepts. He emphasizes that sound financial advice is grounded in proper portfolio allocation strategies customized to individual client needs rather than individual market picks. Andre follows a disciplined wealth management process based on established investment principles while allowing flexibility to adapt to changing economic conditions. Client information serves as the foundation for customized strategies, supported by the resources available through Merrill Lynch Wealth Management. Andre holds a Bachelor of Arts in Psychology and a Master of Arts in Social Ecology, both from the University of California at Irvine. He holds the Certified Investment Management Analyst® (CIMA) designation from the Investments and Wealth Institute™ and the Chartered Retirement Planning Counselor™ (CRPC) designation from the College for Financial Planning Institutes Corp. Andre speaks English and Ukrainian. He is involved with several community organizations, including the Dita Power of Sight Foundation, the LEAP Leadership Foundation, and the UCI Business School MBA Mentor Program. Andre and his wife, Christine, reside in South Orange County, California, where they enjoy an active lifestyle.

Demetrio Kerrison is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His work history includes roles at Merrill, Morgan Stanley, Citigroup Global Markets, and Boro Private Finance. Outside of finance, he is the owner of Kerrison Art Consultancy and serves on the boards of the Noah Purifoy Foundation and the Hammer Museum. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor portfolios. The firm combines institutional trading capabilities with wealth management, offering extensive capital markets services alongside fiduciary financial planning.

Jeffrey Ogata is a financial advisor with Merrill based in Newport Beach, CA. He holds the Series 66 designation and has experience working at Bank of America, Merrill, Omnia Real Estate Services, Verus Capital, and the United States House of Representatives. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cory Matsumoto is a financial advisor at Raymond James & Associates with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise and Comerica Securities, Inc. His outside business activities include serving as a Comerica Maestro/Money Market Manager. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and various organizations. The firm offers financial planning and investment consulting, emphasizing non-discretionary relationships supported by diverse portfolio management styles and affiliated research.

Alexander Pluta is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. Prior to joining J.P. Morgan, he worked in various roles across the food and solar energy sectors. 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 when recommending strategies.

Roubina Kurkjian is a financial advisor at UBS Financial Services with 21 years of industry experience. She holds the Series 66 designation and has been with UBS since 2016. Outside of her advisory role, she is a partner in a rental property business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Sean Balkhi is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. He serves a diverse clientele including active and retired business owners, physicians, and attorneys across California and more than 15 other states. Sean specializes in creating customized financial strategies that align with clients' personal and professional goals, with a focus on retirement income, tax minimization, legacy planning, and portfolio management. Before his career in finance, Sean worked as a mechanical engineer with the Department of Defense, applying analytical skills to examine market dynamics, corporate balance sheets, and specific investments. He holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sean earned both his bachelor's and master's degrees from the California State University System. Residing in Coto de Caza with his wife and three children, Sean enjoys mountain biking, playing golf, and fishing. He prioritizes clear communication with clients, aiming to help them achieve meaningful financial goals with minimal stress while fostering strong relationships across generations of families.

Shane Boex is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and 65 licenses and bringing 24 years of industry experience. He has been with Merrill since 2009 and has worked at Bank of America since 2002. 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 a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.