James Kemp is a financial advisor with Wells Fargo Clearing in San Clemente, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo in various capacities since 2003, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he is involved in managing short-term rental properties jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Phuong Dang is a CFP® with 12 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, Dang held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Adam Liquori is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at FSC Securities Corporation. Liquori serves as President and board member of APL Wealth Management Inc. and is a board member of the Laguna Niguel Military Support Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Jessica Kartzinel is a financial advisor with UBS Financial Services in Dana Point, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. She has been with UBS since 2008. Outside of her advisory role, she co-established DJ Kartz, LLC with her spouse and serves as a successor trustee for the Michelle M. Akins Family Trust. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans based on clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Gregory Maniaci is a financial advisor at Morgan Stanley with 40 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and holds Series 63 and Series 65 licenses. Outside his advisory role, he is involved with XM Properties LLC, a real estate business. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and investment modeling but generally acts in an advisory capacity without offering individual security recommendations as part of standalone planning.

Timothy Brady is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. His career includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, TD Ameritrade, and Scottrade. 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 offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Frank Lu is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America and Merrill. Outside of his advisory role, he owns and manages rental properties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Wilmington Games is a financial advisor with J.P. Morgan Securities, holding the ChFC® designation and Series 63 and 66 licenses, with 12 years of industry experience. He has worked at various divisions within JPMorgan Chase and J.P. Morgan Securities since 2013, as well as at Bank of America and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Amy Kamps is a financial advisor with LPL Financial in Tustin, CA, holding a Series 66 license and 25 years of industry experience. She has been with LPL Financial since 2000 and is also associated with Financial Advisors Network since 2014. Outside of her advisory work, she is involved in medical and life insurance sales through Kamps Asset Management Planning Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services supported by proprietary research and third-party strategies, with both discretionary and non-discretionary management options.

Eliseo Lopez Ornelas is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive financial guidance tailored to his clients' individual goals. He works closely with clients to understand their priorities and develops strategies aimed at achieving their short-, mid-, and long-term financial objectives. With expertise spanning general investing, retirement planning, and risk management, Eliseo serves as a resource for a range of financial needs. He also facilitates access to specialized services within Bank of America, including banking, credit, home financing, and small business solutions. As a Personal Investment Advisor (PIA), he offers ongoing advice and adjusts strategies as clients' circumstances evolve. Eliseo holds a Bachelor's degree from California State University Dominguez Hills and a Master's degree from DeVry University. He conducts his advisory services in both English and Spanish.

Chandler Billman is a financial advisor with Fidelity Investments in Mission Viejo, CA, holding Series 63 and Series 66 registrations and three years of industry experience. His prior work includes roles at LBS Financial Credit Union and Bank of America. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on portfolios including mutual funds, ETFs, and ETPs.

Shannon Flood is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel, Shannon worked at Washington State University and held a position at Riptide Sushi. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Adam Hout is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and having six years of industry experience. Prior to joining Schwab, he worked at Hout Financial Services, Inc. and Lido Advisors, LLC. He is also vice president of Hout Construction Services, Inc., a family-owned engineering business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and offers both non-discretionary and discretionary investment management solutions with a broad operational platform.

Harvey Ivory is a financial advisor at Edward Jones with nine years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Edward Jones in 2017, he worked at Dassault Systemes from 2013 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Michael Ramsey is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Nuveen Securities and JPMorgan Chase Bank. Ramsey is employed by both JPMorgan Securities and JPMorgan Bank, the latter offering a broad range of bank products and services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client investment decisions.

Kent Struck is a financial advisor at Stifel with 33 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Feifei Zhang is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, TD Ameritrade, and Axa. She is based in Irvine, CA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Maghan Klein is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. She holds the Series 66 designation and is based in Laguna Beach, CA. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services under a fiduciary standard.

Matthew Belden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.

Glenn Stoddard is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he serves as a Director at Large for The Association for Corporate Growth Orange County, a networking organization. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides a range of investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations supported by proprietary research and planning tools, with services addressing various financial planning needs and optional implementation through brokerage or advisory programs.