Rey Carandang is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding Series 63 and Series 65 credentials and has 21 years of industry experience. He previously worked at Ameriprise for three years and Comerica Securities, Inc. for twelve years. Outside of his advisor role, he is involved with Comerica Bank’s Maestro/Financial Oxygen bank client money market platform. 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 broad client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research resources.

Jason Lopez is a financial advisor at Merrill in Newport Beach, CA, holding a Series 66 designation with 10 years of industry experience. He has worked at Merrill since 2015 and is also associated with Bank of America, N.A. since 2020. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Eric Noyes is a Series 66-licensed financial advisor with Morgan Stanley, based in Newport Beach, CA. He has 25 years of industry experience, including roles at Morgan Stanley since 2011 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is involved with West Pacific LLC, a company associated with a purchased boat in Irvine, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, employing structured discovery processes and firm-approved tools to develop tailored plans.

Timothy Thatcher is a financial advisor at UBS Financial Services with 18 years of industry experience. He has been with UBS since 2012 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based 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 plans.

Chandler Billman is a financial advisor with Fidelity Investments in Mission Viejo, CA, holding Series 63 and Series 66 registrations and three years of industry experience. His prior work includes roles at LBS Financial Credit Union and Bank of America. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on portfolios including mutual funds, ETFs, and ETPs.

Adam Hout is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and having six years of industry experience. Prior to joining Schwab, he worked at Hout Financial Services, Inc. and Lido Advisors, LLC. He is also vice president of Hout Construction Services, Inc., a family-owned engineering business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and offers both non-discretionary and discretionary investment management solutions with a broad operational platform.

Wendy Yu is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Her prior roles include positions at Merrill Lynch, Moss Adams, and The Gap, as well as teaching experience at Cal Poly SLO and local schools. Outside of her advisory work, she is employed by Zinco Education, where she uploads content onto a learning platform. 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 for individuals, high-net-worth clients, and institutional investors.

Nicholas Ciuffetelli is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, he worked at Sunbit, CAM Services, Inc., and Pacific Forum International. 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 solutions supported by a large nationwide network of financial advisors and branch offices.

Harvey Ivory is a financial advisor at Edward Jones with nine years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Edward Jones in 2017, he worked at Dassault Systemes from 2013 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Greg Cancino is a CFP® professional with 12 years of industry experience, currently serving at Raymond James Financial in Costa Mesa, CA. He previously worked at Edward Jones from 2014 to 2018 and has been engaged with J. Edward Norton & Associates Insurance Services since 2018. Cancino also acts as a successor co-trustee of his father's trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and has specialized municipal and public-finance advisory capabilities.

Maghan Klein is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. She holds the Series 66 designation and is based in Laguna Beach, CA. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services under a fiduciary standard.

Matthew Belden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sher Palmer is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. Palmer has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Joseph Shaw is a financial advisor with UBS Financial Services in Newport Beach, CA, holding a Series 66 designation and four years of industry experience. Prior to joining UBS in 2025, he worked at Bank of America and Merrill from 2021 to 2025. Outside of his advisory role, he serves as an announcer for the Loyola Marymount University water polo team. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Timothy Scudder is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in financial services at Merrill in 1993 after serving six years on active duty as a helicopter avionics technician in the U.S. Army. Timothy draws on his extensive experience to provide clients with considered advice and counsel aimed at helping them grow and manage their wealth effectively. Timothy's expertise encompasses a broad range of areas including college education planning, personal retirement planning, portfolio management services, small business strategies, socially responsible and values-based investing, tax minimization, and retirement income. He holds a Master’s degree from Golden Gate University and a Bachelor’s degree from Troy University. He also holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Timothy is a member of The Planetary Society and actively participates in community programs including the LGBT Pride Employee Network and Ally Program as a Silver Level Ally, as well as volunteering with the Military Support & Assistance Group at Bank of America/Merrill. Outside of work, Timothy’s personal interests include music, photography, and reading. He approaches his role with a planning-based methodology to asset and liability management, focusing on creating customized, tax-efficient strategies aligned with each client’s unique financial goals.

Dax Brook is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Equity Services, Inc. prior to his current role. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates with a non-discretionary program and combines large institutional advisory capabilities with broker-dealer and investment adviser registrations.

Maureen Tashman is a financial advisor with Ameriprise in Irvine, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Michael Miremadi is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and 32 years of industry experience. His career includes roles at Merrill from 1993 to 2017 and Bank of America from 2009 to 2017 before joining UBS in 2017. He is also the proprietor of a residential rental property in Newport Coast, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Christy Hatch is a Planning Consultant at Fidelity Investments, a role she has held since 2019. In her position, she focuses on listening and understanding the priorities of clients and their families to create financial plans tailored to their goals. Christy aims to educate, support, and collaborate with clients throughout the financial planning process. She holds a California Insurance License, which supports her work in providing comprehensive financial planning services. Outside of her professional responsibilities, Christy has personal interests that include cooking and baking, exploring food as a foodie, parenthood, and traveling.

Kurt Kost is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2012, with a brief tenure at City National Bank in 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies executed through a combination of in-house and third-party managers, supported by extensive capital markets and affiliated asset management capabilities.