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.

William Parton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience spanning multiple roles in financial services since 2018. His background includes positions at Armada Analytics, HG Sply, Hanley Investment Group, and Wells Fargo Advisors, as well as earlier work outside finance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including investment options such as insurance-related vehicles and bank deposit sweep programs.

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.

Richard Ward is a CFP® with 47 years of industry experience, currently serving as a financial advisor at Stifel since 2012. His professional affiliations include memberships and board roles with several nonprofit organizations focused on philanthropy and community engagement, such as Advisors in Philanthropy Orange County Chapter and OneOC. He is also the author of the self-published book *Redefining Retirement* and is involved in organizing educational events that promote community involvement. Stifel serves a diverse client base including individual, institutional, and charitable clients, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides a range of fee-based financial planning and asset allocation services tailored to client needs.

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.

Alexandria Lopez is a financial advisor at Osaic with one year of industry experience. She holds a Series 66 designation and has worked at firms including LPL Financial LLC and South Orange County Financial Planning. Outside of finance, she has professional experience in the beauty industry with roles at ILIA Beauty and Charlotte Tilbury Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers various brokerage and advisory services, emphasizing model-based asset allocation, portfolio optimization, and discretionary or managed investment strategies.

Scott Caston is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Caston is based in Newport Beach, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and corporate financial planning agreements.

Kevin Bonner is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill since 2018 and Bank of America, N.A. since 2025, along with prior experience in contracting at Dan Spain Contracting. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jack Fierro is a financial advisor at RBC Capital Markets with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Citigroup, Aaron Capital, Wells Fargo Advisors, and Irfan Consultancy. He also attended Carnegie Mellon University from 2019 to 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside extensive capital-markets capabilities.

Lorraine Boris is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2013. Outside of her advisory role, she serves as a board member of the Parent Teacher Association. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to develop model asset allocations, with recommendations incorporating an ESG eligibility framework.

Mark Stanga is a financial advisor at Charles Schwab with one year of industry experience. He previously led The Stanga Group for ten years before joining Charles Schwab and Charles Schwab Bank, SSB. He holds a Series 66 designation and is based in Newport Beach, CA. Charles Schwab & Co., Inc. serves a large client base, 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Robert Schultz is a financial advisor with RBC Capital Markets in Newport Beach, CA, holding Series 63 and Series 65 licenses and totaling 38 years of industry experience. His career includes positions at City National Bank, Wells Fargo Clearing, UBS Financial Services, Morgan Stanley, and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, catering to customized risk profiles through a combination of in-house and third-party investment managers, supported by a range of integrated capital-markets and asset management capabilities.

Kevin Kearney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He applies a comprehensive approach to wealth management, focusing on personalized strategies that consider each client’s full financial picture. Kevin works with individuals, families, and businesses to address a range of financial needs, including divorce transition planning, family wealth management, legacy planning, tax minimization, retirement income, and services for institutional clients such as endowments, foundations, and non-profits. Before joining Merrill Lynch, Kevin spent close to ten years in private industry managing various aspects of a manufacturing and distribution company, which helped him discover his passion for financial consulting. His professional designations include Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's degree and an MBA from the California State University System. Kevin is involved with the Susan Komen Foundation and incorporates a family-first philosophy in his work with clients. Personal interests he enjoys outside of work include cooking, golfing, music, skiing, tennis, and spending time with his family. Banking and lending services are provided through Bank of America, N.A.

Christina Henderson is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Henderson Clemmer Group. She provides wealth management services to individuals, families, and business owners by helping create financial roadmaps designed to achieve their goals. Christina works with select families, closely held business owners, executives, and single women, leveraging Merrill's planning resources to tailor strategies across life events including retirement, legacy planning, and educational planning for younger generations. With a career in financial services since 2003 and with Merrill Lynch since 2010, Christina holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned her bachelor's degree from Arizona State University. A Southern California native residing in south Orange County, Christina lives with her husband Rob, their children, and dog. She is engaged in her community, having served as a past board member of NAWBO-OC, past Women United Chair for United Way OC, and past Women's Guild Chair for WHW. She enjoys spending time outdoors with her family and is passionate about volunteering.

Gage Gomez is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked at UBS since 2024. Prior to joining UBS, he was affiliated with Hotlix and attended the University of California, Santa Barbara. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Jay Mitchell is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 2006. He focuses on helping clients identify and prioritize their financial goals, including estate planning, wealth transfer, tax minimization strategies, and retirement income. Jay develops customized strategies tailored to each client's unique circumstances and preferences. His expertise extends to managing both qualified and non-qualified employee benefit plans, cash management, customized investment management, and financing services through Bank of America, N.A. He also provides consulting and servicing for institutional clients such as non-profits, foundations, and endowments, with attention to corporate balance sheets to create efficiencies and improve existing practices. Jay graduated cum laude from National University in 2014 with a bachelor's degree in Finance. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to his finance career, he graduated from Musicians Institute in 2004 with an emphasis on composition and production. Outside of his professional role, Jay is active in his synagogue community, having served as Co-President of the congregation Brotherhood. He enjoys playing golf and spending time with his wife, Stephanie, and their two daughters.

Stephanie Burkett is a financial advisor at Merrill with 28 years of industry experience. She has held roles at Merrill since 2009 and has been with Bank of America, N.A. since 1993. She holds Series 63 and Series 66 licenses. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shiloh Gaskin is an Investment Consultant at Fidelity Investments, a position held since 2026. In this role, Shiloh focuses on understanding clients' individual financial goals and creating tailored financial plans. Shiloh holds a CA Insurance License, which supports their professional capabilities in investment consulting. Outside of their professional work, Shiloh has personal interests that include fitness, football, snowboarding, soccer, and surfing.