Zahira Martinez is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill, and First Republic Bank. 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 and profit-sharing plans, corporations, and charitable organizations.

Richard Price is a financial advisor with J.P. Morgan Securities in Aliso Viejo, CA, holding a Series 66 designation and nine years of industry experience. He has worked at J.P. Morgan Chase Bank and Merrill, among other firms, since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a structured, 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 and incorporates an ESG eligibility framework, with portfolio implementation supported by affiliated investment management entities.

Jasper Schanna is a ChFC® with 39 years of industry experience, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial Services, Inc. for eight years and has been president and CEO of Schanna Financial & Insurance Service, Inc. since 1977. He is also a trustee of the Schanna Family Trust with his wife, Jayne. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Michael Niemiec is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, City National Bank, the University of Pennsylvania, and JPMorgan Chase. 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, and institutional investors.

Bruce Lyle is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His career includes positions at UBS Financial Services and ongoing roles at JPMorgan Chase Bank and J.P. Morgan Securities since 2011. He also serves as Vice President of WJS Inc., a small family-owned oil and gas company. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG frameworks.

Chia Hsin Chen is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in working with newly resident clients from the Asia Pacific region, including China, Taiwan, Singapore, and Hong Kong. Chen brings to her role extensive knowledge of the financial concerns these clients face in the US market, assisting them in customizing family financial plans upon their arrival in the United States. With over 17 years of experience managing assets for high net worth individuals, families, and institutions, Chen focuses on areas such as college education planning, liquidity management, managing new wealth, tax minimization, and retirement income. She holds a bachelor's degree from National Taiwan University and a master's degree from Boston University. Additionally, she is designated as a Personal Investment Advisor (PIA). Outside of her professional responsibilities, Chen enjoys interior decorating, spending time with her family, swimming, and traveling.

Charles Stone is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding Series 63 and Series 65 licenses and 39 years of industry experience. His previous roles include positions at Merrill for 16 years and Xelan Financial Planning, Inc. for one year. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to evaluate investment options based on diversification and modern portfolio theory.

Jay Baumgardner III is a CFA® charterholder with 32 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2016. He holds the Series 63 and Series 65 licenses and is based in Newport Beach, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals.

Terry Beauchamp is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been providing financial services since 1998, working primarily with affluent individuals and business owners to develop customized financial strategies known as the "Family Blue Print". His approach involves actively listening to clients to understand their life goals, risk tolerance, investment time frames, and market knowledge before structuring tailored recommendations. Terry holds professional designations including Chartered Financial Consultant (ChFC) and Chartered Retirement Planning Counselor (CRPC). He earned a Bachelor's Degree from California Polytechnic University of Pomona and a Master's Degree from the University of Redlands. His work includes portfolio management services, retirement planning, business succession planning, and collaboration with clients' CPA's and estate planning attorneys. Outside of his professional focus, Terry enjoys fishing, football, golfing, skiing, and spending time with his family. He emphasizes the importance of understanding clients' life priorities to create personalized financial plans aligned with their goals and aspirations.

Trevor Plant is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 credential and seven years of industry experience. He has been with Morgan Stanley since 2018, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to that, he worked at Robert Half from 2015 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides financial planning through its Financial Advisors and Estate Planning Strategies Group.

Jeffrey Pierce is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His career includes roles at Wells Fargo Clearing, A.G. Edwards & Sons, Cambridge Investment Research, and Morgan Stanley. He is an instructor at both the University of California, Irvine Osher Life Long Learning Program and California State University, Fullerton, and serves on the board of the Laguna Plein Air Painters Association. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and advisory services that incorporate proprietary investment analysis and asset allocation models developed by its Investment Strategy Group.

Michael Ortega is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. for six years and has experience at Gladstone's and Pepperdine University. 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, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Jamie Reynolds is a financial advisor with Fidelity in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes multiple roles within Fidelity since 2007, as well as a brief tenure at Morgan Stanley in 2019. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-fund strategies and model portfolios.

Daniel Cota is a financial advisor with Merrill and holds Series 63 and Series 65 designations. He has 29 years of industry experience, including prior roles at Securian Financial Services, Inc. and PRUCO Securities, LLC. Cota has been with Merrill and Bank of America since 2016. 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 clients including individuals, high-net-worth investors, and institutional entities.

Haley Behm is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has worked since 2016. She is a second-generation financial advisor and a member of The Behm Group, a Merrill Institutional Consulting™ Team serving institutional and high-net-worth clients. Haley uses her analytical skills to build and maintain client portfolios tailored to their objectives, risk tolerance, cash flow, and liquidity needs. She leverages the research capabilities of Merrill Lynch and the banking services of Bank of America to address various facets of clients’ financial lives with strategies designed for wealth building, management, and preservation across generations. Haley graduated from the University of Washington, Seattle in 2014 with a bachelor’s degree in Mandarin Chinese and Japanese. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). Fluent in Chinese, Japanese, and English, Haley applies her diverse skill set to client service and investment consulting, particularly focusing on family wealth management, institutional investment consulting, and services for endowments, foundations, and non-profits. Residing in Southern California, Haley’s personal interests include drawing, knitting, crocheting, and yoga.

Andrei Hall is a Certified Financial Planner (CFP®) with 22 years of experience in the financial services industry. He has been with LPL Financial since 2007 and previously worked at Ameriprise from 2004 to 2007. Hall also operates a business under the name Hall Wealth Management Group and sells Medicare supplemental insurance. 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 a range of advisory services including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies supported by advanced advisor tools.

Christopher Doherty is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in comprehensive strategic wealth management for families, focusing on identifying and setting goals, analyzing current situations, developing strategic plans, implementing those plans, and tracking their progress to help clients achieve their financial objectives. He holds a Bachelor's Degree in Finance from the California State University system and a Master's Degree in Real Estate Development from the University of Southern California. Christopher has earned several professional designations, including Accredited Portfolio Management Advisor (APMA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is involved in organizations such as the Rotary of Mission Viejo and the USC Alumni Association. Christopher is proficient in English and Thai. His community involvement includes participation with the Boys and Girls Club of San Juan Capistrano, Childhelp, Habitat for Humanity, Kure It Foundation, Make-A-Wish Orange County, and the Roosters Foundation. He enjoys activities such as basketball, biking, golfing, hiking, rock climbing, running, and tennis.

Timothy Polson is a financial advisor at Merrill with 10 years of industry experience. He has held Series 63 and Series 66 licenses and previously worked at Comerica Bank for six years before joining Merrill in 2017. He is based in Newport Beach, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Timothy Loskill is a financial advisor with Wells Fargo Clearing in Newport Beach, CA, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent six years at UBS Financial Services. 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.

Mark Alcala is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo since 2016, following a nine-year tenure at UBS Financial Services. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.