Lynn Frehner is a CFP®-certified financial advisor with 26 years of industry experience, currently with LPL Financial since 2004. She is based in Irvine, CA, and has additional involvement in teaching a FINRA-approved adult educational course related to financial topics. 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 broad range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing model portfolios and customized strategies.

Aaron Tucker is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for eight years. Outside of his advisory role, he receives music royalties associated with his involvement in the music industry. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, offering access to model portfolios, third-party asset management, and institutional platforms through a large network of investment adviser representatives.

Warren Kaplan serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In this role, he focuses on a range of client needs including corporate executive services, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, and tax minimization. Warren and his team leverage over 100 years of combined experience to implement a disciplined, research-based investment approach centered on individualized equity and investment-grade debt portfolios, with an emphasis on avoiding processed investment products. He holds the Personal Investment Advisor (PIA) designation and completed his education at Bolsa Grande High School, Orange Coast College, and attended California State University within the system, without a degree conferred. Warren is also a member of the ELKS professional organization. His community involvement includes participation with Long Beach Junior Golf, Elks, and AYSO. Outside of work, Warren's personal interests include gardening, golfing, pickleball, refereeing, skydiving, spending time with family, surfing, tennis, and yoga.

Michael Pitruzzello is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Securities and JPMorgan Chase Bank since 2016, following a one-year tenure at Ameriprise. In addition to his advisory role, he is employed by JPMorgan Bank, through which he offers certain banking products and services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

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.

Patrick Newton is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career with Merrill in 1998 and has served the Laguna Hills, California office since May 5th of that year. Patrick works with families, executives, engineers, and businesses to preserve and grow their wealth and assist with wealth transition to heirs or charities. His client focus includes areas such as college education planning, corporate benefits, divorce transition planning, executive compensation, equity compensation services, family wealth management strategies, and services for endowments, foundations, and non-profits. Prior to joining Merrill Lynch, Patrick earned a Bachelor of Science in Business Administration and Marketing from the George Argyros School of Business at Chapman University in Orange, California, graduating in May 1998. He also served six years in the United States Marine Corps, with four years active duty and two years in inactive reserves. Patrick holds the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Patrick maintains an interest in community involvement consistent with Merrill's tradition, volunteering with local organizations. Outside of his professional work, he enjoys boxing, hiking, photography, and videography.

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.

Jammie Hunter is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill, PNC Investments LLC, Morgan Stanley, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor solutions to clients’ goals and risk tolerances.

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, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019, with prior roles at Wells Fargo Clearing and Wells Fargo Investments. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using firm-approved tools, managing approximately $2.74 trillion in client assets.

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.

Howard Woo is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and with 23 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor client strategies. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Juliett Givogri is a financial advisor at Merrill with 25 years of industry experience and a Series 66 credential. She has worked with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2010 and was previously with Merrill from 2007 to 2008. 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, and institutional investors.

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.