Wayne Dennen is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and possessing 27 years of industry experience. He has been affiliated with MassMutual since 1988 and MML Investors Services, Inc. since 1998. In addition to his advisory role, he operates a traditional life and health insurance brokerage with various outside carriers. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to structure collaborative, goal-oriented client relationships.

Taylor Payton is a financial advisor with Edward Jones in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and with five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Cross Country Mortgage, Fidelity Brokerage Services LLC, Keller Williams, FedEx Corporation, and Summit Funding. Outside of his advisory work, he owns rental real estate managed by a property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large national network of financial advisors and branch offices.

Tatum Campbell is a financial advisor at Fidelity with six years of industry experience. Prior to joining Fidelity, Campbell worked at The Vanguard Group and spent time in real estate with eXp Realty. Outside of finance, Campbell is an independent contractor managing brand promotion for a dog influencer. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and systematic portfolio construction. The firm is noted for its use of algorithmic methods and advisory roles in multiple registered investment companies.

Mark Lammers is a financial advisor with Ameriprise in Irvine, CA, holding a Series 63 designation and 41 years of industry experience. He has been with Ameriprise since 2005, including six years at the current Ameriprise entity. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Roger Cregg is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63, 65, and 66 designations and having 22 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2010. Outside of his advisory role, he operates a personal life coaching business and manages a fine art photography venture. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Robert Macnider is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has worked with Mass Mutual Investors Services since 2021 and previously spent six years at Woodbury Financial Services, Inc. Macnider is also active as an insurance agent specializing in fixed life, fixed annuity, health, long-term care, and medical benefits insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved tools and collaborative annual planning relationships.

John Mc Nulty is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he held roles at Allstate Insurance Company, Lyft, California State University, Fullerton, and DoorDash. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Marinos is a financial advisor with Charles Schwab in Mission Viejo, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. Charles Schwab & Co., Inc. 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 discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Schwab Center for Financial Research.

William Griffith is a financial advisor with LPL Financial in Laguna Beach, CA, holding a Series 66 credential and bringing nine years of industry experience. Prior to joining LPL Financial in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he is involved with Sunbrella LLC, a business entity for tax and investment purposes. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and third-party research.

Brock Mc Neff is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at SchoolsFirst FCU and CUNA Brokerage Services, Inc., where he continues to serve as an advisor. Before entering financial services, he worked at Sierra Analytical for nine years and had a brief tenure at Northwestern Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory services, including model portfolios, retirement plan consulting, and brokerage services, supported by extensive research and technology resources.

Kelly Milligan is a Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. She is responsible for coaching, inspiring, and motivating her team to maximize their potential and deliver exceptional client experiences. Kelly has been with Fidelity Investments since 2017, progressing through various positions, including Branch Leader, Vice President Financial Consultant, Financial Consultant, Senior Relationship Manager, and Relationship Manager. Her professional experience spans from 2014, starting as a Private Client Associate at Bernstein Private Wealth Management, then moving to Wedbush Securities as a Registered Client Associate before joining Fidelity Investments. Kelly holds a California Insurance License. Outside of her professional career, Kelly enjoys biking, horseback riding, skiing, traveling, and is actively involved in parenthood.

Lauren Cheung is a financial advisor at Stifel with 13 years of industry experience, including 11 years at Stifel. She holds Series 63 and Series 66 licenses and is based in Irvine, CA. Outside of her advisory role, she serves as Assistant Treasurer for the Northwood Choral Music Boosters, a volunteer organization supporting choral music at Northwood High School. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Its investment approach relies on proprietary analysis from the Investment Strategy Group, providing asset allocation and planning guidance intended to assist client decision-making.

Anouchka Balog is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to model financial outcomes.

David Marquis is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Merrill and AXA Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management options, utilizing research and model portfolios from various sources.

Margery Birkedal is a financial advisor at Cetera with 28 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked for Avantax Advisory Services and related entities for 16 years. Outside of her advisory role, she owns and operates a tax preparation and accounting business. 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 with a range of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Ellen Jampolsky is a CFP® and Series 65 credentialed financial advisor at Cambridge Investment Research Advisors with two years of industry experience. Her prior roles include positions at GEM and Flexfire LEDs. She is also involved as a contractor with FutureNest. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients with financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions, including proprietary and third-party model strategies, delivered through a network of independent financial professionals.

Steve Schenk is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and 65 designations and having 30 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and previously worked at Citigroup Global Markets starting in 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and models.

Randal Ellis is a financial advisor with Osaic Wealth, Inc. based in Mission Viejo, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining Osaic in 2024, he worked with Securities America and SSN Advisory. He also assists clients with insurance products, including life, annuities, and health insurance. Osaic Wealth serves a wide range of clients from individuals to institutions through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage diversified portfolios on both discretionary and non-discretionary bases.

Ruben Tarkhanyan is a CFP® professional with 13 years of experience in the financial services industry. He is currently with Osaic Wealth Inc and has held prior roles at Edward Jones, LPL Financial, BancWest Investment Services, Boston Institute of Finance, AssetMark Brokerage, and J.P. Morgan Securities. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and advisory platforms. The firm offers a range of investment and financial planning services, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

David Knos is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Gateway Mortgage, Seville Mortgage and Investments LLC, and Dove Mortgage Corp. Knos is based in Mission Viejo, CA. 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 mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and alternative investment options.