Ellie Chizmarova is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Morgan Stanley. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following an 11-year tenure at Beacon Pointe Advisors, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process involves structured discovery and firm-approved tools, offering tailored plans supported by extensive research and modeling techniques.

William Linas is a financial advisor with Stifel in Irvine, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019 and previously spent 10 years at Bank of America, N.A. Outside of his advisory role, he manages a single-family rental property. Stifel serves a wide range of clients, including individuals and institutional clients, offering both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

William Knoke is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. He previously worked for Waddell & Reed, Inc. and operated his own firm, William L. Knoke, Inc., for over three decades. Knoke is also involved in tax preparation and accounting through The Knoke Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

Roberto Valencia Friderici is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and began his career in financial services in 2024, with prior experience at APN Tech and Bank of America, N.A. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Kalianov is a financial advisor with Cetera, holding the CFP® and ChFC® designations and bringing 38 years of industry experience. His prior roles include long-term work with Crown Capital Securities and Platinum 100 Financial Services, where he continues as sole proprietor offering comprehensive financial planning services. He also serves on the board of directors for the Delario Condominiums HOA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and access to numerous third-party money managers.

Bradley Smith is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill Lynch Pierce Fenner and Smith and Bank of America. His prior experience includes a partnership with Leah Averre and involvement in a business called Dana Point Duplex. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities.

Nicole Slapak is a Series 66-licensed financial advisor at J.P. Morgan Securities with 10 years of industry experience. She previously worked at Morgan Stanley from 2015 to 2021 before joining J.P. Morgan Securities and J.P. Morgan Chase Bank in 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Eric Ritossa is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Charles Schwab. He has been with Charles Schwab since 2013 and Charles Schwab Bank since 2015. Outside of his advisory role, Eric coaches 1-2 CrossFit classes per week at Aliso CrossFit. Charles Schwab serves 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 SMA portfolios and provides integrated brokerage, custody, and cash-sweep services.

John Lewis is a financial advisor with OSAIC in Tustin, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Liberty Capital Management and OSAIC for over two decades and is the owner of Lewis & Lack A Financial Services Corporation, which provides accounting and bookkeeping services. Additionally, he manages commercial office property as part of a tenants in common ownership group. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a broad network of advisors. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and third-party money managers to construct diversified portfolios.

Alexander Roth is a financial advisor with UBS Financial Services and holds a Series 66 designation. He has 10 years of industry experience, including 11 years at UBS. Outside of his advisory role, Roth operates a small music recording, videography, and promotional business called Free Foundations. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and 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 advice to client goals and risk tolerances.

Rosa Schulte is a financial advisor at Raymond James & Associates with 25 years of industry experience. She has been with Raymond James since 2012. Outside of her advisory role, she serves as an officer and co-owner of Schulte Corporation, where she assists with bookkeeping duties. 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, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Evelyn Walker is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including Wells Fargo and UnionBanc Investment Services. Her current role at J.P. Morgan Securities and JPMorgan Chase Bank began in 2018 and continues to the present. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christina Bennett is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at LPL Financial in Tustin, CA. She has been with LPL Financial since 2008 and also works with Door Dash in a delivery service role. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services through a large national network of investment adviser representatives.

Lisa Lighthipe Hinz is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 31 years of industry experience. She previously worked for Crown Capital Securities, LP for 21 years before joining LPL Financial in 2024. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Nicole Quinlan is the Resident Director and Wealth Management Advisor at Merrill’s Laguna Niguel office. She began her financial services career in 2012 and joined Merrill in October 2020. Nicole specializes in multigenerational wealth planning, helping clients create detailed, easy-to-follow strategies that align with their financial goals. Her advisory practice emphasizes legacy and wealth transfer planning, tax-efficient strategies, and personalized guidance for families and business owners. Nicole holds a Bachelor of Science in International Business from California State University, Long Beach. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, Certified Private Wealth Advisor® (CPWA®), and a Certified Exit Planning Advisor (CEPA). Her expertise includes retirement planning, tax minimization, socially responsible and values-based investing, and supporting women and families in building confident financial futures. Nicole is involved in the Orange County community through her participation with Young Catholic Professionals. Raised in Southern California, Nicole lives in Orange with her husband and their rescue dog. Outside of her professional responsibilities, she enjoys hiking, yoga, reading, traveling, and volunteering.

Avlin Prosa is a financial advisor with Thrivent Investment Management in Irvine, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Thrivent, Prosa worked at Astraios Financial and has additional experience in educational and service roles at Chapman University and other organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning across various topics without managing client portfolios directly. Their approach integrates planning with managed-account programs through a consolidated billing option while keeping those services distinct.

Noah Burns is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Stifel Nicolaus & Co., Inc. since 2013. He is active in community service through Rotary International, where he co-founded and serves as president of a local chapter, and he holds leadership roles in the San Clemente Rotary Club’s charity and youth service committees. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning analyses.

Shabnam Rezaei is a financial advisor with Merrill holding a Series 66 designation. She has been with Merrill since 2022 and has previous experience at Bank of America, N.A., EZ Insurance, Macy's, and MiniDil. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John Harcar is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1998, and previously operated the JCH Insurance Agency, Inc. from 1997 to 2016. His background includes activities related to non-variable insurance products through an insurance agency specializing in fixed life, health, disability, and long-term care insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources, alongside both discretionary and non-discretionary management options.

Michael Liang is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 credential and has worked with LPL Financial since 2011. In addition to his advisory role, Liang is involved in tax preparation and accounting services through co-ownership of Liang & Quinley Tax Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management and incorporating model portfolios and research from multiple sources.