James Okeefe is a financial advisor at Cetera with 37 years of industry experience. He holds a Series 63 designation and has been associated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory work, he has volunteered for the IRS Volunteer Income Tax Assistance program, helping low-income taxpayers prepare simple tax returns. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that provides access to both affiliated and third-party money managers.

Michele Mendiola is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 18 years of experience at the firm. She has been with Morgan Stanley since 2008. Outside of her advisory work, her family manages the rental of a travel trailer through platforms such as RV Share and Outdoorsy. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides both direct client services and corporate financial planning agreements.

Sarah Javorsky is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked at several firms including Lexi Boza and Acceleron Law. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of investment structures and serves as an advisor to multiple registered investment companies.

Jay Le is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing personalized financial strategies to individuals, families, and institutional clients. Jay offers a comprehensive approach that integrates investment insights from Merrill and banking solutions from Bank of America to address various financial needs, including credit, cash management, and specialty financing. Jay's expertise encompasses complex financial planning, with client focus areas that include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning, philanthropic planning, and investment consulting for defined benefit and contribution plans. He holds multiple professional designations, such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), among others. He earned a Bachelor's Degree from HUFLIT and communicates fluently in Vietnamese and English. Jay is committed to community involvement and volunteers with organizations in his community. His personal interests include music, spending time with his family, and traveling.

Robert Householder is a Series 66-licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Bank of America, Merrill, and LPL Financial. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Constantine Koukos is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 35 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

Timothy Chon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving Orange County's ultra-high net worth clientele as a partner on the Nam | Bernal Team for over ten years. His professional focus is on growing and preserving wealth through a commitment to integrity and a strong work ethic. Timothy's expertise includes college education planning, corporate benefits, divorce transition planning, employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from the California State University System and the Personal Investment Advisor (PIA) designation. An Orange County native, Timothy enjoys running marathons, camping, hiking, and spending time with his wife, Lesley.

Jenna Miramontes is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, she worked at Global Atlantic Distributors, LLC and held positions in insurance services and technology. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including tax-qualified charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Justin Le is a financial advisor with Fidelity in Mission Viejo, CA. He holds a Series 66 designation and has been with Fidelity since 2026, following prior experience at Citibank. His career also includes work outside the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery with an emphasis on systematic methodologies and oversight controls.

Lauren Shepherd is a financial advisor with Wells Fargo Clearing in Laguna Beach, CA, holding a Series 66 designation. She has been with Wells Fargo Clearing since 2025 and has prior experience at the University of Southern California and local educational institutions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

William Rodgers is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His career includes extensive tenure with Avantax Advisory Services and its affiliated firms, as well as operating the William Rodgers Company, which provides tax preparation and accounting services. He also serves as successor trustee for several family trusts. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over 10,000 advisors managing assets exceeding $256 billion.

Matthew Molnar is a Series 66-credentialed financial advisor with 10 years of industry experience. He has worked at Ameriprise Financial Services, LLC since 2020 and previously held roles at Ameriprise Financial Services, Inc., Principal Securities, and Principal Financial Group. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Carmen Cercone is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 43 years of industry experience. Prior to joining LPL Financial in 2023, she worked at Kestra Advisory and Kestra Investment Services from 2016 to 2023. She also serves as a trust protector in a fiduciary capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to a broad range of clients including individuals, retirement plans, institutions, and charitable organizations.

Brian Mchenry is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2023, he worked at Bank of the West and BancWest Investment Services beginning in 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

James Buri is a CFP® and holds a Series 66 license with 17 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018, and previously spent seven years at Fidelity Investments. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Thomas Maloney is a financial advisor with Merrill in Tustin, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2020 and has also worked at Bank of America, N.A. since 2011. 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.

Brian Ward is a CFP®-certified financial advisor with Charles Schwab, holding securities licenses Series 63 and Series 66. He has five years of industry experience, including roles at Charles Schwab Bank and Bank of Montreal, as well as a background at Home Depot Inc. and Northern Arizona University. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence from Schwab Center for Financial Research.

Jason Payne is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2018. He began his career at E*TRADE Financial, working as a Branch Service Representative before advancing to Financial Consultant. In his current role, Jason partners with high net worth individuals and families to develop customized financial plans that focus on investment strategy, tax-efficient investing, and retirement income planning. Jason is a CERTIFIED FINANCIAL PLANNER™ and holds a California Insurance License. His professional experience spans over several years in financial consulting, emphasizing personalized wealth management strategies. Outside of his professional commitments, Jason enjoys activities such as beach outings, fitness, and running.

Jeffrey Andrews is a financial advisor with Cambridge Investment Research Advisors in Irvine, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012. Outside of advisory work, Andrews is involved in tax preparation through Harmon Street Tax Services Inc and also engages in paid speaking engagements. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment platforms and proprietary model strategies, with both discretionary and non-discretionary management tailored to client objectives.

Sheryl Fielder is a financial advisor with Primerica Advisors in Mission Viejo, CA, holding Series 63 and Series 65 credentials and with 21 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2005. Fielder serves on the Board of Directors for Operation Community Cares, a nonprofit organization in Cucamonga, CA. Primerica Advisors is a large firm serving primarily individual investors, as well as corporate and charitable clients, through a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers.