Titus Lobo is a Series 66 licensed financial advisor with Morgan Stanley in Laguna Niguel, CA, having 10 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Outside of his advisory role, he is involved in property management as the sole proprietor of a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad range of investment advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes that incorporate firm-approved tools and market outlook models.

Sahej Bhasin is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His career includes roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and UBS Financial Services. He also has experience at Pepperdine University. 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, combining non-discretionary client advisory with access to discretionary separately managed accounts and a structured alternative investment offering.

Richard Shih is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank NA dating back to 2006. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, distinguishing it from many other large institutional advisers.

Gonsalo Barragan is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Prior to his financial services career, he worked for the San Bernardino City Unified School District. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Rory Hart is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Lincoln Financial Securities Corporation, and The Prudential Insurance Company of America. Hart also manages Riley-Hart Capital Inc., a separate business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Tyler Dyson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked with firms including TD Ameritrade (now Charles Schwab), Bank of America, Merrill, and various title and escrow services. 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 an ESG eligibility framework to guide its recommendations.

Adam Pilkington is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Clearing since 2019, having worked at Wells Fargo Bank, N.A. since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering both discretionary and non-discretionary investment services.

Hyojoo Ryu is a financial advisor at J.P. Morgan Securities LLC with two years of industry experience. She holds the Series 66 designation and has prior work history that includes positions at Lenox Advisors and MassMutual Life Insurance Company. Outside of her advisory role, she works as a Reformer Pilates instructor at Neaumix Fit. 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.

Robert Packin is a financial advisor with Wells Fargo Clearing in San Clemente, CA, holding a Series 66 designation and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes unique offerings like insurance-related vehicles and bank deposit sweep options within its investment menus.

Taylor Freitas is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Movement Mortgage and Loan Depot. Outside of his advisory role, he is involved in a family tutoring business, primarily handling bookkeeping. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with access to multi-asset model portfolios and alternative investments.

Patricia Bacho is a financial advisor at UBS Financial Services with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments and UBS Financial Services. Outside of her advisory role, she is employed as an administrative employee at Supan Detailing Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Dana Terry is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he advises his spouse on business decisions related to the manufacturing of green coffee bean powder and oil through a family-owned enterprise. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Matthew Terrones is a financial advisor at Edward Jones in Orange, CA, with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

Nicholas Woravka is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Laguna Beach, CA, and has 19 years of industry experience. He previously worked at Wavecrest Holdings LLC and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member of the Wave Crest Homeowners Association in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

James Lee is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has 21 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he is an investor in Harbor Med Tech, a business entity based in Irvine, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels.

Sasha Kottmeier is a financial advisor with UBS Financial Services in Irvine, CA, holding a Series 66 designation and having 26 years of industry experience. Kottmeier has been with UBS since 2005 and is also the sole owner of Anarchy Motorcycles, a business involved in buying and selling motorcycles, cars, and real estate. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, integrating proprietary research and model-based asset allocations to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Phoebe Jaramillo is a financial advisor with Stifel in Irvine, CA, holding Series 63 and Series 66 licenses and having 13 years of industry experience. Her prior roles include positions at Finance 500 Inc., Securities America Advisors, and Michele Young. She is a licensed life and health insurance agent in California and receives residual commissions from past insurance business activities. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Roberta Welsh is a financial advisor with LPL Financial who holds a Series 63 designation and has 41 years of industry experience. She has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers various advisory and brokerage services supported by model portfolios, third-party research, and multiple investment strategies.

Brian Sognefest is a financial advisor with Charles Schwab in Mission Viejo, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He worked at Roth Capital Partners for 20 years before joining Charles Schwab and Charles Schwab Bank in 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive operational structure combining advisory, brokerage, custody, and cash-sweep services.

Zachary Stuart is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including JP Morgan Securities, Bank of America, Merrill Lynch, and loandepot. He is also associated with SchoolsFirst Federal Credit Union. 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 range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.