Justin Vaicek is a Private Wealth Manager at Merrill Private Wealth Management. He works with ultra affluent clients to address their complex wealth management needs by integrating strategies across various client requirements, including investment management, executive services, trust and estate planning, as well as providing access to credit and lending services from Bank of America. Justin has been in the financial services industry since 1993, with over 20 years of direct experience in capital markets. His background includes significant experience in equity research and portfolio management. Prior to joining Merrill, he served as a Senior Analyst and Officer at a long/short equity hedge fund based in Orange County. He also held the position of Senior Vice President and Senior Portfolio Manager at Bank of America Private Bank (formerly US Trust), where he focused on understanding clients' investment objectives and long-term goals to provide comprehensive investment advice and portfolio management solutions. He holds a B.A. from the University of Southern California and an M.B.A. from the University of California, Irvine. Justin is active in his community, having served as a board director for the Newport Harbor Baseball Association and the Newport Harbor Educational Foundation, and participates as a professional mentor for Newport Harbor High School and the Polaris Investment Fund at UC Irvine. Additionally, he is involved as a youth baseball coach and YMCA Adventure Guides leader. He lives in Newport Beach, California with his wife and three sons.

Manal Gerges is a financial advisor with Merrill, holding a Series 66 designation and based in Newport Beach, CA. She has 19 years of experience at Merrill and has also worked at Bank of America, N.A. since 2026. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party portfolio management teams.

Douglas Berl is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 52 years of industry experience. He has worked at Raymond James since 2016 and previously at Adolph Schuman Trust from 2012 to 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions through a non-discretionary advisory model.

Vivian Chang is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience in personalized wealth management strategies. Since joining Merrill Lynch in 2004, she has worked closely with clients to develop tailored financial plans that address their full financial picture, including investment and retirement planning, college education funding, and family wealth management. Vivian combines insights from Merrill and lending services through Bank of America to help clients pursue their long-term financial goals with flexible strategies adapted to changing market conditions. Vivian’s client-focused approach centers on understanding core values, priorities, and holistic financial situations to preserve wealth and provide security amid market uncertainties. Her expertise encompasses a broad range of areas, including managing new wealth, portfolio management, small business strategies, and retirement income planning. A Personal Investment Advisor (PIA), Vivian holds a Bachelor's degree from Fu Jen University and a Master's degree from the University of Central Missouri. Beyond her professional commitments, Vivian is actively involved in her community through volunteer work with local Baptist churches and Chinese cultural programs. She enjoys spending time with her family and pursues personal interests including traveling, photography, cooking, singing, and playing musical instruments.

Quoc Nguyen is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management and retirement planning. He is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), with educational credentials including an Accredited Certificate Program from the College for Financial Planning. Nguyen's approach centers on developing personalized financial strategies that align with the unique ambitions and priorities of his clients. His expertise includes planning for education funding, retirement lifestyle management, and addressing potential health care costs, all aimed at helping clients achieve their long-term financial goals. Throughout his practice, he emphasizes clarity and transparency to simplify the complexities inherent in investing. He works closely with clients to integrate their personal perspectives into comprehensive financial plans, supporting families in managing their wealth and pursuing their individual objectives.

Niloufar Fatehi is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Her prior roles include positions at Bank of America, Union Bank, and Wells Fargo, along with teaching engagements at Cal State Fullerton, University of California Riverside, and Saddleback College. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Marinacci is a Senior Financial Advisor specializing in personalized wealth management strategies at Merrill Lynch Wealth Management. He focuses on client areas such as corporate benefits, corporate executive services, divorce transition planning, and family wealth management strategies. Stephen works directly with clients to develop financial strategies tailored to their unique goals, leveraging Merrill's investment insights alongside Bank of America's banking and lending services. Stephen holds a Bachelor's Degree from Long Beach State and carries several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on his background growing up in a hardworking family in the hospitality business, Stephen emphasizes work ethic and transparency in his approach. Outside of his professional role, he spends time with his family and enjoys activities such as fishing, ice hockey, and skiing.

Andrea Collins is a financial advisor with Charles Schwab in Newport Beach, CA, holding a Series 66 designation and 18 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2019, following six years at City National Rochdale. Andrea is also a self-publishing author. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Garth Allan is a financial advisor with UBS Financial Services holding a Series 66 designation and 18 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Matthew Lozano is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Chase Bank, N.A., First Republic Securities Company, LLC, First Republic Investment Management, Inc., and the Los Angeles City Employees' Retirement System. Prior to his career in finance, he was employed at Starbucks Coffee Company for nine years. 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 applying an ESG eligibility framework in its recommendations.

Robert Dominik is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include ten years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Justine Rueda is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has been with Merrill since 2015 and has prior experience at The University of Arizona Global Campus and Seattle University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, supported by trading, account administration, and custody services.

Stephen Hoem is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. He holds the Series 66 designation and has previously worked at Prudential Insurance Company of America, Pruco Securities LLC, Nationstar Mortgage, and the Anaheim Ducks Hockey Club. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals. The firm provides a variety of investment strategies, including proprietary models and access to third-party managers, delivered across multiple custody and platform arrangements with both discretionary and non-discretionary options.

Spencer South is a financial advisor with LPL Financial in Newport Beach, CA, holding a Series 66 designation and two years of industry experience. Prior to his advisory role, he worked at Anastasia Beverly Hills and Kendo Brands. He is also a commissioned notary in the State of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management, supported by research and model portfolio options.

Minh Lan Nguyen is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. Prior to joining LPL Financial in 2023, Nguyen worked at Merrill and UnionBanc Investment Services. In addition to advisory work, Nguyen is involved in a non-investment business operating a nail salon in Laguna Hills, 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 services, and utilizes model portfolios and research from multiple sources to support diversified investment strategies.

Garrett Voge is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is involved in a modeling and talent business in Manhattan Beach, California, assisting his child with modeling and photoshoots. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Shelby Thai is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2018, Shelby worked at Wells Fargo Bank from 2016 to 2018 and was affiliated with California State University Long Beach from 2015 to 2018. 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 a range of individual and institutional clients.

Dorothy Santiago is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1981 and joined Merrill Lynch in 1989. Dorothy focuses on providing personalized financial strategies tailored to her clients' unique goals, offering guidance across a full range of financial topics rather than one-size-fits-all solutions. She specializes in designing customized asset management strategies and portfolios, taking into account clients' risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. Dorothy’s areas of expertise include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Dorothy earned a Bachelor of Science in Business Administration from Chapman University. She has obtained several professional designations including Certified Private Wealth Advisor®, Certified Divorce Financial Analyst®, Certified Plan Fiduciary Advisor, and Certified Exit Planning Advisor. In addition, she completed an Executive Education program with Harvard Business School and the Wharton School of Business. Outside of her professional work, Dorothy enjoys spending time with her family, traveling, and watching movies.

Surong Lin is a financial advisor at Edward Jones with 21 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Andrew Irwin is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at various J.P. Morgan entities since 2016. Outside of his financial career, he performs as a musician in local establishments. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services focused on asset allocation, manager searches, and performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.