Justin Porrett is a CFP® with 13 years of industry experience, currently advising at Stifel. He has worked at Stifel Nicolaus & Co Inc since 2016, with a brief tenure at Merrill from 2018 to 2019. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Eric Ritossa is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Charles Schwab. He has been with Charles Schwab since 2013 and Charles Schwab Bank since 2015. Outside of his advisory role, Eric coaches 1-2 CrossFit classes per week at Aliso CrossFit. Charles Schwab 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 affiliated discretionary SMA portfolios and provides integrated brokerage, custody, and cash-sweep services.

Brian Wilverding is a financial advisor with Ameriprise in San Clemente, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling techniques to deliver non-discretionary, written recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Mae Delabarre is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, utilizing both internal and third-party managers.

Christina Wolfe is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior experience includes roles at First Republic Securities Company and HighTower Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Steve Nelson is a financial advisor with Ameriprise in Corona Del Mar, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Ameriprise since 2018, following 17 years at FSC Securities Corporation. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical for a large institutional firm.

Kenneth Dunquist is a financial advisor with Morgan Stanley in Newport Beach, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 49 years of industry experience and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and analyses.

Rosa Schulte is a financial advisor at Raymond James & Associates with 25 years of industry experience. She has been with Raymond James since 2012. Outside of her advisory role, she serves as an officer and co-owner of Schulte Corporation, where she assists with bookkeeping duties. 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, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Vince Salvatore is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 39 years of experience in the financial services industry. Prior to his current role, he worked as a nuclear engineer and was a small business owner. Vince focuses on corporate executive services, family wealth management strategies, small business strategies, and individual and corporate investment strategy. He holds a Bachelor's Degree from the University of Michigan and is a Personal Investment Advisor (PIA). Vince is married with three children and resides in Corona Del Mar, California. His personal interests include football, golfing, and music.

Simi Struve is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is a sole proprietor involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Timothy Woodall is a financial advisor with LPL Financial in Newport Beach, CA, holding Series 65 and Series 66 licenses and 27 years of industry experience. His prior roles include positions at J.P. Morgan Securities, First Republic Investment Management, UBS Financial Services, and Merrill. Woodall has interests in business entities used for tax and investment purposes outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and operational tools.

Nicole Quinlan is the Resident Director and Wealth Management Advisor at Merrill’s Laguna Niguel office. She began her financial services career in 2012 and joined Merrill in October 2020. Nicole specializes in multigenerational wealth planning, helping clients create detailed, easy-to-follow strategies that align with their financial goals. Her advisory practice emphasizes legacy and wealth transfer planning, tax-efficient strategies, and personalized guidance for families and business owners. Nicole holds a Bachelor of Science in International Business from California State University, Long Beach. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, Certified Private Wealth Advisor® (CPWA®), and a Certified Exit Planning Advisor (CEPA). Her expertise includes retirement planning, tax minimization, socially responsible and values-based investing, and supporting women and families in building confident financial futures. Nicole is involved in the Orange County community through her participation with Young Catholic Professionals. Raised in Southern California, Nicole lives in Orange with her husband and their rescue dog. Outside of her professional responsibilities, she enjoys hiking, yoga, reading, traveling, and volunteering.

Radoslav Mladineo is a Financial Advisor at Merrill Lynch Wealth Management, where he serves as a strategic advisor to business leaders, entrepreneurs, and high net worth families. Since beginning his career in financial services in 2004 and joining Merrill Lynch in 2011, he has dedicated himself to delivering comprehensive wealth management solutions that combine personalized service with the extensive capabilities of a leading financial firm. Mr. Mladineo holds a Bachelor’s degree from Stanford University and an MBA from the UCLA Anderson School of Management. He earned the Chartered Financial Analyst® (CFA®) designation in 2013, reflecting his commitment to professional excellence and high ethical standards. Supported by a specialized team from Bank of America and Merrill Lynch, he provides expertise in areas including capital markets, trust and estate strategy, charitable giving, and lending. In his work, Mr. Mladineo emphasizes understanding clients’ personal aspirations and challenges to support their financial wellness and legacy planning. Outside of his professional role, he has interests in boating, dancing, hiking, music, and traveling. He is fluent in English and Spanish.

Aleksander Henka is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, specializing in serving institutional clients as a designated Merrill Institutional Consultant. Since beginning his career with Merrill in 2008, he has worked with a range of organizations, including health care institutions, higher education, religious organizations, nonprofits, private foundations, and family offices, providing tailored investment and wealth management strategies aligned with clients' missions and long-term objectives. His advisory approach emphasizes disciplined portfolio construction, prudent asset allocation, diversification, and thorough due diligence across both traditional and alternative investments. Alek partners closely with boards, trustees, and investment committees to deliver income planning and risk management services, focusing on aligning capital with organizational priorities and fiduciary standards. His areas of expertise include family wealth management strategies, institutional consulting, liquidity management, philanthropic planning, ESG investing, and tax minimization. Aleksander earned a Bachelor of Arts in Business Economics from the University of California, Santa Barbara. He holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ and the Personal Investment Advisor (PIA) designation. In addition to his professional work, he is involved in community organizations such as Laura's House, Providence Speech and Hearing Center, and Tustin Western Little League. Outside of work, Alek enjoys biking, hunting, and traveling.

Daniel Kaplan is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

Noah Burns is a CFP® professional with 16 years of experience in the financial industry. He has been with Stifel Nicolaus & Co. Inc. since 2013, following two years at First Trust Advisors LP. Outside of his advisory work, Burns is active in community service through Rotary International, where he co-founded and serves as president of a chapter, and participates in local Rotary Club committees focused on charity and youth services. Stifel serves a broad client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that supports asset allocation and planning analyses to inform client decisions.

Stephen Grimes Jr. is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He began his financial services career in 2005 and focuses on offering a comprehensive approach to managing wealth that starts with listening to clients' needs to develop personalized financial strategies. Stephen assists clients in building wealth management strategies tailored to their individual goals and circumstances. His expertise includes portfolio management, management of concentrated stock positions, and navigating important financial transitions such as retirement, inheritance, or the sale of a business. He also provides access to trust and estate planning services through Bank of America Private Bank and commercial banking and financing needs through Bank of America. Stephen works collaboratively with clients' attorneys, accountants, and other advisors to coordinate financial and legacy strategies. His client focus areas include corporate and employee benefits planning, family wealth management, services for endowments, foundations and non-profits, small business strategies, sports and entertainment, tax minimization, and retirement income. Stephen holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his High School Diploma from Edmond North. Stephen is involved in community organizations such as the Caviit Kids Foundation, Edmond Fine Arts Institute, Oak Tree Mens Golf Association, and Oklahoma Children's Hospital. He is also affiliated with the PGA of America. His personal interests include basketball, fishing, golfing, hiking, painting, skiing, spending time with family, surfing, traveling, and watching movies.

Shabnam Rezaei is a financial advisor with Merrill holding a Series 66 designation. She has been with Merrill since 2022 and has previous experience at Bank of America, N.A., EZ Insurance, Macy's, and MiniDil. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John Harcar is a financial advisor with LPL Financial in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes longstanding service at Linsco/Private Ledger Corp. since 1998 and operating the JCH Insurance Agency, Inc. from 1997 to 2016. He is also involved in an insurance agency specializing in fixed life, health, disability, and long-term care insurance alongside his securities business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives utilizing a variety of strategies and tools.

Cody Paningsoro is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Stifel since 2021. Prior to joining Stifel, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2015 to 2021. He serves on the board of Volunteer Network OC, a nonprofit that connects volunteers with organizations in the Orange County region. Stifel serves a wide 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 analysis and probabilistic modeling developed by its Investment Strategy Group, supporting client decision-making with forward-looking asset allocation guidance.