Judy Copenbarger is a CFP® professional with 26 years of experience currently serving at OSAIC. Her prior roles include positions at Money Truth Strategic Planning, Woodbury Financial Services, and Questar Asset Management. She also owns Serenity Organic Farm Inc., where she manages plant and animal care. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage, investment advisory, financial planning, and retirement plan consulting services. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, with options for discretionary and non-discretionary management.

Ryan Schwartz is a Financial Consultant currently working at Fidelity Investments since 2025. He collaborates with individuals and families to develop personalized financial strategies that align with their goals, aiming to simplify complex decisions and support both present priorities and future opportunities. Ryan's professional experience includes roles as Vice President and Financial Consultant at Charles Schwab from 2017 to 2025, and as a Financial Advisor at Edward Jones from 2015 to 2017. He holds a California Insurance License. Outside of his professional work, Ryan is interested in family activities, fitness, parenthood, reading, running, and traveling.

Hien John Le is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank since 2025, as well as Charles Schwab & Co., Inc. since 2021. Prior to his career in financial services, he was involved with Crab Hut, Inc. for 14 years. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by its Schwab Center for Financial Research.

Michael Maragay 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 Fidelity Investments, Merrill, and the City of Irvine. Outside of his advisory role, he is an owner and partner of Roadie Nutrition, a protein snack company. J.P. Morgan Securities LLC 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.

Brian Garcia is a Series 66-licensed advisor with Wells Fargo Clearing, based in Rancho Santa Margarita, CA. He has 17 years of industry experience, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Garcia has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Corey White is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds the Series 66 designation and is based in Mission Viejo, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates a large national network of financial advisors and branch offices.

Katherine Simpson is a financial advisor at J.P. Morgan Securities with one year of industry experience. She previously worked at First Republic Bank for ten years and has also been affiliated with JPMorgan Chase Bank, N.A. since 2023. 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.

Clinton Throop is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at firms including Merical LLC and Eurofins Botanical Testing, and has experience at Amway Corporation spanning sixteen years. He was also involved with Crossline Community Church for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment options, supported by a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

Hoai Bui is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to that, Hoai worked 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 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.

Jason Buenger is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with 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, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services while acting as an ERISA fiduciary.

Bradford Runyon is a CFP®-certified financial advisor with seven years of industry experience, currently practicing at Edward Jones since 2019. Prior to joining Edward Jones, he worked at The Boeing Company for three years. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Rodney Chamberlin is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2017 and previously at National Planning Corporation. He is also an author outside of his investment advisory activities. LPL Financial is an SEC‑registered investment adviser and broker‑dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a broad network of investment adviser representatives.

Razina Rahmatullah is a financial advisor at LPL Enterprise with 12 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at Wells Fargo Advisors, Pruco Securities, and The Prudential Insurance Company of America. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through a platform that integrates investment advice, financial planning, and access to insurance products.

Stone Sinek is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and two years of industry experience. His prior roles include positions at MassMutual Life Insurance Company, Baker Tilly US LLP, and MillerGiangrande CPAs and Advisors LLP. He also has experience in education, having worked at Wheaton College and Fullerton Union High School. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a focus on collaborative, goal-based planning and a variety of event-driven planning services.

Nicholas Adelizi is a financial advisor with Wells Fargo Advisors in Santa Ana, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2009. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet certain net-worth thresholds, utilizing proprietary research and planning tools.

Denise Marinacci is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. Marinacci is also involved in property management through a family-owned LLC. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ellie Chizmarova is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at Morgan Stanley. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following an 11-year tenure at Beacon Pointe Advisors, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process involves structured discovery and firm-approved tools, offering tailored plans supported by extensive research and modeling techniques.

Charles Nguyen is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 licenses and having four years of industry experience. His prior experience includes roles at NYlife Securities LLC, Eagle Strategies (NY Life), and JPMorgan Chase Bank, N.A. 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 support its recommendations.

Alessandra Cusworth is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and two years of industry experience. She has been with Wells Fargo in various roles since 2019, including positions at Wells Fargo Bank and Wells Fargo Clearing. Prior to entering financial services, she worked as a self-employed personal assistant and babysitter. 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 broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Linas is a financial advisor with Stifel in Irvine, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019 and previously spent 10 years at Bank of America, N.A. Outside of his advisory role, he manages a single-family rental property. Stifel serves a wide range of clients, including individuals and institutional clients, offering both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.