Chien Nguyen is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill Lynch from 2012 to 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kendra Buri is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following six years at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes firm-approved tools and methodologies such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Eric Coressel is a financial advisor with Merrill in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His work history includes roles at Bank of America, Merrill, Tax & Financial Group, Securian Financial Services Inc., and Minnesota Life. 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.

Nicholas Dolle is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2016. Outside of his advisory role, he is involved with Red Hawk Rising LLC, a limited liability company that manages a vacation home used both personally and as a short-term rental. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of investment and advisory products across retail and institutional markets.

Kay Sullivan is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Carmel, California. Since joining Merrill Lynch in 2002 after serving as a director at a Fortune 50 company, she has contributed to a collaborative, four-person team that develops comprehensive wealth management strategies for clients. Kay focuses on delivering personalized financial planning and portfolio management services tailored to a wide range of client needs, including retirement income strategies, tax minimization, college education planning, business transition planning, and socially responsible investing. Kay holds a Bachelor of Science degree in Business Administration from the University of Illinois. She has earned several professional designations, including Certified Financial Planner (CFP®), Chartered Retirement Planning Counselor (CRPC), Chartered Advisor in Philanthropy (CAP®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her approach emphasizes working closely with clients and their professional advisors to ensure all aspects of clients’ financial lives are aligned with their goals. Outside of her professional work, Kay has been involved in community organizations on the Monterey Peninsula. She has served on the boards of the International Anti-Poaching Foundation, Chartwell School, Carmel Public Library Foundation, and Stillwater Yacht Club, and has participated in committees such as the Women’s Fund of the Community Foundation for Monterey County. Kay enjoys a variety of personal interests including boating, cooking, hiking, music, reading, scuba diving, skiing, traveling, and spending time with her family.

Craig Eshenko is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2012. He has 13 years of industry experience. 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 through a nationwide network of more than 23,700 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Garrison Smith is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo in various capacities since 2014. Outside of his advisory role, he has participated as a contestant on the NBC show "The Flipside." Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm employs an IPS-driven process grounded in modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Trevor Pepper is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley and Charles Schwab in various capacities since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research models.

Spencer Alden is a financial advisor at UBS Financial Services with one year of industry experience. He holds the Series 66 designation and previously worked for EY and Mariners Church Irvine. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Lucian Ursan is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in financial strategies tailored for high net worth clients and executives. Since beginning his career in financial services in 2010, he has held various roles within Merrill Lynch, focusing on assisting families and individuals in developing customized wealth management plans. His areas of expertise include college education planning, executive compensation, legacy and family wealth management, personal retirement planning, tax minimization, and services for endowments and non-profits. Lucian provides comprehensive advice covering financial strategies, cash flow and retirement planning, trust and estate services, insurance, as well as banking and lending solutions through Bank of America. Lucian holds a Bachelor's degree from the University of California system and maintains the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) credentials. As a first-generation Romanian-American raised in Southern California, he and his wife, Grace, live in Brea where they remain active within the Romanian community and their local church. In his free time, Lucian enjoys outdoor activities such as hiking, traveling, and playing soccer, reflecting his commitment to community participation and a balanced lifestyle.

Kathy Robertson is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2012. In addition to her advisory role, she is a licensed notary public. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools, focusing on advisory services without individual security recommendations in standalone planning.

Patricia Mullin is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63, Series 65, and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, and Wells Fargo Bank. Outside of her advisory work, she is involved as a member in a real estate joint venture based in Laguna Beach, California. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to model potential outcomes.

Danielle Barabino is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with 10 years of industry experience. She spent nine years at UBS Financial Services before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-sponsored financial planning agreements.

Josh Hanlin is a financial advisor with LPL Financial in Mission Viejo, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ameriprise Financial Services, Wells Fargo Advisors, U.S. Bancorp Investments, and Chase Investment Services. 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 and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by extensive operational and research tools.

James Helsel is a CFP® professional with 30 years of industry experience, currently serving at Charles Schwab in Newport Beach, CA. He has been with Charles Schwab and its affiliated entities since 2002, including over two decades at Charles Schwab Bank. Outside of his advisory role, he is engaged in property management unrelated to securities. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Carmello Buscemi is a financial advisor with LPL Financial in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2008 and briefly worked at Wamu Investments in 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services through a large network of investment adviser representatives, utilizing a range of financial planning and asset management solutions with both discretionary and non-discretionary strategies.

Robert Kacer is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Merrill and Bank of America since 2014. He is based in Newport Beach, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Arya Moshrefi is a financial advisor at Fidelity with 8 years of industry experience. His prior roles include positions at Bank of America, Merrill, and New York Life Insurance. Outside of finance, he has been involved with an automotive window tinting business, assisting with shop operations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Koral Newman is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. Her prior work includes roles at Continuum 33 and Smarty Social Media, as well as consulting and education positions. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Amy Dosier is a financial advisor at Stifel with 36 years of industry experience. She holds Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co. Inc. since 2010. Amy is based in Newport Beach, CA. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.