Esteban Munoz is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Woodbury Financial Services Inc for nine years prior to joining OSAIC. Munoz is also involved in portfolio management and insurance services through his sole proprietorship, M&A Investment Services, where he serves as president and vice president. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors through a large network of financial advisers. The firm offers a range of advisory and brokerage services utilizing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes with discretionary and non-discretionary options.

Elizabeth Thai is a financial advisor at Edward Jones with 17 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of more than 23,700 financial advisors.

John Privitelli is a financial advisor with Morgan Stanley in Santa Ana, CA, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

William Stauffer Jr. is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as Treasurer and President of the Board for the Boys and Girls Club of Central Orange Coast and Santa Ana, respectively, and is a member of the investment and finance committee for the Saint Joseph Ballet Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models to support its advisory services.

Marie Cammack is a financial advisor with OSAIC in Costa Mesa, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years and has been involved with Independent Capital Management, Inc. and ICM Lending since the early 2000s. In addition to advising, she serves as a certified paralegal with Citadel Law Offices, assisting with estate analysis for trust services. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs asset allocation tools and risk assessment techniques to construct portfolios and supports various managed-account solutions alongside third-party services.

Daniel Rearick is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. He has worked at LPL Financial since 2022 and maintains concurrent roles at Cuna Brokerage Services, Inc. and SchoolsFirst FCU. Additionally, he serves as Senior Vice President at SchoolsFirst FCU. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diverse investment strategies.

Ruby Bohra is a financial advisor with LPL Financial in Santa Ana, CA, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at Bank of America, Merrill, and H & R Block. She was also involved with Bohra Enterprises Inc. for over a decade. Ruby offers investment products and services through LPL Financial using the trade name Orange County's Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of financial planning and advisory programs supported by research and technology-driven solutions.

Craig Mc Knight is a financial advisor at Merrill with 31 years of industry experience. He holds a Series 66 designation and has been with Merrill since 1995. Outside of his advisory role, he operates a sole proprietorship as a trombone player. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Charles Chen is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience since joining the firm in 1999. His primary areas of practice include corporate retirement plans, executive stock services, and liability management. Charles partners with Merrill Specialists on credit and corporate pension plans to create financial strategies aligned with his clients' risk tolerance. He serves clients across multiple focus areas including college education planning, executive compensation, legacy planning, small business strategies, and personal retirement planning. Charles holds a Bachelor's degree in Finance from California State University, Fullerton. He has earned professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Previously, he led the training program for new Financial Advisors at the Brea, Santa Ana, and Ontario offices. Charles is fluent in English and Chinese. Outside of his professional role, Charles enjoys adventure sports such as mountain biking and snowboarding. He is also an engaged father, supporting his two daughters in dance activities. Charles resides in Anaheim Hills with his wife Angel and their daughters Cameron and Kyle.

Ford Howell is a financial advisor at UBS Financial Services in Long Beach, CA, holding a Series 66 designation with 26 years in the industry. He has been with UBS since 2005. Outside of his advisory role, Howell serves as a successor trustee for a family retirement account. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and a broad platform of financial products.

Soo Min Lee is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2019, also holding a concurrent role with JPMC Bank NA since 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling and centralized due diligence, incorporating an ESG eligibility framework in its investment recommendations.

Chad Leon is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. He has worked at several firms including CITIGROUP, Comerica Securities, CUSO Financial Services, and Wescom Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Michael Nelson is a CFP®-designated financial advisor with 20 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and Cetera Financial Specialists since 2013 and is also associated with Petersen International Underwriters and Foresight Wealth, where he serves as owner. Nelson is licensed to sell disability insurance through multiple firms. Cetera Investment Advisers LLC is a large SEC-registered advisory firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing advisors with access to various model portfolios and third-party money managers.

Jagruti Makwana is a financial advisor with LPL Financial in Long Beach, CA, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at JPMC Bank NA, J.P. Morgan Securities, Citi Wealth Management, Avantax Advisory Services, and Bank of America. 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 representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting services supported by diverse investment strategies and technology tools.

Eric Chang is a financial advisor with Equitable Advisors in Brea, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1999 to 2022 before joining Equitable Advisors in 2022. Outside of his advisory role, he owns CJ Capital Insurance & Financial Services, Inc., which sells fixed life, health, disability, and medical insurance products. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Bryan Kang is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and its affiliates since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Kevin Coyle is a CFP® with 14 years of experience in the financial industry, currently serving at Morgan Stanley since 2017. Prior to this, he worked at Merrill from 2011 to 2017. He holds the Series 66 designation. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process emphasizes structured discovery and firm-approved tools, while clients retain responsibility for plan implementation and updates.

Gary Tsou is a financial advisor with Merrill based in Cerritos, CA. He holds Series 63 and Series 66 licenses and has five years of industry experience. His work history includes roles at Bank of America, Nylife Securities LLC, New York Life Insurance Company, and teaching positions at California State College Fullerton and Mountain San Antonio College. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Sandy Gage is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings extensive experience in wealth management, specializing in helping high-net-worth individuals preserve their principal through tax-efficient strategies and facilitating effective wealth transfers. Sandy's practice emphasizes personalized financial planning tailored to clients' unique goals, including family wealth management, legacy planning, tax minimization, and retirement income strategies. Her career began in 1985 on the trading floor of Security Pacific Bank, where she focused on tax-free bond portfolios. Following a series of mergers, her firm became part of Bank of America and later Merrill Lynch Wealth Management. Sandy completed executive education at Wharton in 2003, enhancing her expertise in financial advisory services. She holds the Personal Investment Advisor (PIA) designation and has maintained a focus on client-centric strategies throughout her career. Outside of her professional endeavors, Sandy is actively involved in her community through St. Paul The Apostle Church and supports Dana Farber Cancer Research. An avid runner, she has completed marathons across all seven continents, the six World Marathon Majors, all 50 states, and several 100-mile ultra marathons. She balances her career with family life, sharing her passion for running and philanthropy with her husband and four adult children.

Daniel Lasker is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2011 and 2015, respectively. He is based in Long Beach, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning, utilizing firm-approved tools and scenarios developed by its Global Investment Committee.