Peter O'Brien is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 39 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2013. Outside of his advisory role, he serves as a board member for Brothers on a Quest, a nonprofit focused on raising awareness and funds to fight rare neurological diseases, and acts as a FINRA arbitrator. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Cole Hahn is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Maurice Murray is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. Prior to joining J.P. Morgan Securities in 2020, he worked at Merrill and BNP Paribas | Bank of the West. Outside of his advisory role, he is the owner of Murray's Transportation Agency LLC, a business providing home-to-school transportation for students with special needs. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team, with particular capabilities in derivatives and commodities.

Matthew Manskar is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Morgan Stanley. Manskar is also licensed to sell non-variable insurance and annuity products. OSAIC serves a broad range of retail and institutional clients, offering brokerage and advisory services including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by risk-tolerance analysis and diverse program options.

Kelli Sarna is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 65 and Series 63 designations and has worked at J.P. Morgan Securities since 2011, with concurrent experience at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to develop model asset allocations, and includes broader derivatives and commodities capabilities not commonly found in similar programs.

Joshua Lee is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized wealth management strategies that reflect their financial situations, family needs, and long-term goals. Joshua provides access to the investment insights of Merrill and the banking and lending solutions of Bank of America to address various aspects of clients' financial lives. His client focus includes legacy planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. Joshua holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Loyola Marymount University. He communicates with clients in English and Korean. Joshua participates in community volunteer activities, reflecting his commitment to the tradition of service associated with Merrill. Outside of work, he has interests in hiking, music, pickleball, table tennis, tennis, traveling, and yoga.

Monica Choi is a financial advisor at RBC Capital Markets with one year of industry experience. She holds a Series 66 designation and has worked previously at Northwest Mutual, Pacific Premier Bank, and Davlyn Investments. Outside of her advisory roles, she has managed a room rental business. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through various in-house and third-party managers.

Mingda Dong is an advisor at J.P. Morgan Securities with a Series 66 credential and approximately one year of industry experience. His background includes roles at JPMorgan Chase Bank, PNC Bank, Guggenheim Partners, and service in the United States Marine Corps and the California Army National Guard. He also spent two years affiliated with Cornell University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research through a centralized manager solutions team and supports investment decisions with a broad range of capabilities, including derivatives and commodities.

William Wood is a CFP®-certified financial advisor with 26 years of industry experience. He is currently with Osaic and previously worked at Lincoln Financial Advisors Corp. for 26 years. Wood is also licensed to offer a range of fixed insurance products, including annuities and life insurance. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, offering a variety of managed account strategies and third-party money manager programs.

Marquise Bias is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2020, with prior experience at Wells Fargo Bank, N.A. from 2018 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates ESG considerations within a framework that includes broader derivatives and commodities capabilities.

Daniel Wilbur is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Ameriprise Financial Services LLC and Wells Fargo Investments, LLC. His current role includes positions at both J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a forward-looking investment approach.

Visothy Ong Dy is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016. His prior experience includes roles at Chase Investment Services Corp. and Wamu Investments, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Warren Chang is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2013 and 2014, respectively. 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 for a variety of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rebecca Eggers is a financial advisor at LPL Enterprise with 32 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Pruco Securities, LLC and The Prudential Insurance Company of America. Outside of her advisory role, she coaches high school lacrosse in Corona, CA. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Scott Foties is a CFP® with 15 years of industry experience currently with LPL Financial. His prior experience includes roles at Bank of America and Merrill, as well as Edward Jones. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice through a large network of investment adviser representatives using both proprietary research and third-party strategies.

Mark Monin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 45 years of industry experience. He has served on the board of the El Toro Water District since 2015 and is an alternate board member for OCCOG. His prior experience includes a role at California Baptist University. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to deliver tailored, non-discretionary advice and supports clients through various advisory programs and institutional consulting.

Cindy Mo is a financial advisor at Cetera with 11 years of industry experience. She holds the Series 66 designation and has worked at firms including Cetera, LPL Financial, Cathay Bank, and Merrill. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting a range of program structures and investment strategies.

Yvette Wright is a financial advisor at UBS Financial Services with 12 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at Lincoln Financial Distributors, Purshe Kaplan Sterling Investments, Miramontes Capital, and Wells Fargo Clearing. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining wealth management with institutional trading capabilities and proprietary research to tailor investment plans and portfolio management.

Patrick Lee is a financial advisor with Cetera, holding a Series 66 designation and possessing 25 years of industry experience. He has been with Cetera since 2001 and is also president and sole shareholder of KLP Tax & Financial Group, Inc., an accounting, tax, and consulting practice. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services across multiple program structures.

Kyle Ferlic is a financial advisor at Charles Schwab with three years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade, Inc. and Monex Deposit Company. 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 uses a primarily non-discretionary client relationship model combined with access to discretionary separately managed accounts and provides multi-asset model portfolios with periodic reviews and alternative investment options.