Frederick Sanchez is a CFP®-certified financial advisor with 43 years of industry experience, currently with LPL Financial since 2024. He previously worked for Crown Capital Securities, LP for 10 years and has operated South Orange County Tax Service since 1983. Sanchez is also involved in tax preparation and accounting services through his longstanding business, South Orange County Tax Service. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, supported by research, model portfolios, and diverse investment strategies.

Patrick Sundin is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing and affiliated firms since 2009, with additional roles at Northwestern Mutual Investment Management, Brian Rados, and Jessica Aliotti. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Nikita Huang is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2016. Huang holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual engagements and corporate financial planning agreements.

Joseph Wenrich II is a financial advisor with LPL Financial in San Clemente, CA, holding a Series 66 credential and 24 years of industry experience. His prior roles include positions at Waddell & Reed and Ivy Funds Distributor Inc., as well as operating his own consulting and wealth management businesses. He is also the author of and educator for "Teaching Kids to Buy Stocks," a program designed to promote financial literacy among young people. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by internal and third-party research and technology.

Robert Brown is a financial advisor with Morgan Stanley who holds a Series 63 designation and has 42 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Brown serves on various local government and political committees, including positions with Orange County and the City of Laguna Niguel. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Gina Cereda is a financial advisor with Wells Fargo Clearing in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of her advisory role, she serves as trustee for her sister’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes insurance-related products and bank deposit sweep options as part of its investment offerings.

Titus Lobo is a Series 66 licensed financial advisor with Morgan Stanley in Laguna Niguel, CA, having 10 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Outside of his advisory role, he is involved in property management as the sole proprietor of a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad range of investment advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes that incorporate firm-approved tools and market outlook models.

Cathie Callahan D'itri is a financial advisor at LPL Financial with 38 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Western International Securities, Inc. for 16 years. She serves as a non-profit board member for a homeowners association in Irvine, CA. 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 a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Scott Smeltzer is a Series 66 licensed financial advisor with Merrill, based in Newport Beach, CA, and has 14 years of industry experience. He has worked at Bank of America, N.A. and Merrill for over a decade. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lauren Vasquez is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds a Series 66 designation and has been with JPMorgan Chase Bank NA and J.P. Morgan Securities since 2014. In addition to her advisory role, she is also an employee of JPMorgan Bank, where she can offer certain banking products and services. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates both as a broker-dealer and investment adviser, combining institutional advisory capabilities with additional market-facing functions.

William Han is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously held roles at BMO Bank, Bank of America, Chase Bank, HomeStreet Bank, and Wells Fargo Bank. Han serves as a board member of the Presidential Walk Association, a homeowners' association in his community. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sarah Settle is a Vice President, Financial Advisor, and Senior Portfolio Advisor at Merrill Lynch Wealth Management. With over 17 years of experience in the financial services industry, she began her career in 2008 as a Stockbroker at Scottrade and subsequently worked with Fidelity Investments and Charles Schwab before joining Merrill. In her role, Sarah helps clients pursue their objectives by managing discretionary custom investment strategies, selecting from a wide range of Merrill Lynch Wealth Management model portfolios and third-party investment strategies. Sarah holds a Bachelor of Science degree in Finance, Real Estate, and Law from California State Polytechnic University, Pomona, and earned her MBA with a concentration in Finance from Pepperdine University. She holds certifications including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). She focuses on working with high-earning professionals, families, and athletes to simplify complex financial decisions across investments, cash-flow planning, and long-term wealth strategy. Residing in Los Angeles with her husband, Sarah enjoys playing tennis, traveling, exploring new restaurants, and volunteering with the local humane society. She is also involved with Cal Poly Pomona College of Business and Shriners Hospitals for Children.

Tahira Neal is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been working in the financial industry focusing on comprehensive wealth management for over 20 years, including a tenure with Merrill Lynch since 2006. Tahira and her team use a combination of integrity, advocacy, and process to help clients manage the complex challenges of enhancing, preserving, and overseeing their wealth. Leveraging the resources of Merrill Lynch and Bank of America, they provide customized strategies tailored to affluent families, business owners, and foundations. Tahira holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her associate's degree from Saddleback Community College. Prior to her financial career, Tahira gained 15 years of hospitality experience at the Ritz Carlton Hotel. Outside of work, Tahira volunteers with the Orangewood Foundation's 44 Women Auxiliary. She enjoys hiking, yoga, cooking, football, reading, traveling, and the performing arts. Tahira is a sports fan and has a passion for wine. She is a mother of two grown sons and grandmother to two granddaughters.

Sahej Bhasin is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His career includes roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and UBS Financial Services. He also has experience at Pepperdine University. 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, combining non-discretionary client advisory with access to discretionary separately managed accounts and a structured alternative investment offering.

Helene Johnson is a financial advisor with Ameriprise in Irvine, CA, holding a Series 66 designation and 23 years of industry experience. Her prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory work, she is involved in direct sales and wellness businesses and authors financial literacy content aimed at women through her coaching platforms. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, utilizing a centralized consulting team that delivers non-discretionary, model-driven recommendations focused on income sources, tax strategies, and Social Security options. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Rory Hart is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Lincoln Financial Securities Corporation, and The Prudential Insurance Company of America. Hart also manages Riley-Hart Capital Inc., a separate business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Eddy Olandj is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors from 2013 to 2016. Outside of his advisory role, he is a co-owner of CHABA THAI & SPA LLC, where he assists with administration and accounting. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Carl Kawabe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016. Kawabe also serves as a durable power of attorney for his mother in matters related to investments. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Packin is a financial advisor with Wells Fargo Clearing in San Clemente, CA, holding a Series 66 designation and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes unique offerings like insurance-related vehicles and bank deposit sweep options within its investment menus.

David Levine is a CFP®-certified financial advisor with 34 years of industry experience, currently practicing at UBS Financial Services since 2007. He holds a Series 63 license and serves clients from Newport Beach, CA. Levine acts as an approved financial advisor to the NFL Players Association and serves as a FINRA arbitrator. UBS Financial Services Inc. provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.