Michael Yen is a CFP®-designated financial advisor with Morgan Stanley in Newport Beach, CA, bringing 26 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, HSBC Securities (USA) Inc., and Banc of America Investment Services. Morgan Stanley Wealth Management serves both individual and institutional clients with comprehensive advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment products and strategies.

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 at Edward Jones in Orange, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was self-employed as a realtor for over 20 years and held several roles related to real estate and home loans. He maintains an active real estate license in California for personal use. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 financial advisors.

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.

Claire Durand is a CFP® and ChFC® with 25 years of experience in the financial services industry. She is currently with J.P. Morgan Securities and has held prior roles at First Republic Investment Management, Fidelity Personal and Workplace Advisors, Transamerica Financial Advisors, and USAA Financial Planning Services. Outside of her advisory work, she serves as co-treasurer for the Pacific Elementary School Parent Teacher Association. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

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.

David Acosta is a financial advisor with Merrill in Newport Beach, CA, holding Series 66 and Series 63 licenses and having 11 years of industry experience. His prior experience includes roles at JP Morgan Securities, LLC and JP Morgan Chase Bank, N.A., spanning from 2011 to 2024, as well as a period at Light & Life Christian Fellowship. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2015. He also has six years of experience at Bank of America, N.A. through affiliated roles. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.