Carlos Rivera Alvarez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Scott Jacobs is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Bank of America, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations, incorporating ESG eligibility frameworks where applicable.

Kristopher Atzeff is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity entities since 2008. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

David Souter is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63, 65, and 66 licenses and has 21 years of industry experience. His work history includes roles at Equitable Advisors since 2022, Prudential Insurance Company of America and Pruco Securities from 2017 to 2022, and Kingsland Capital from 2003 to 2007. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm uses multiple advisory models and third-party program sponsors to implement strategies covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Christopher Foster is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he works with clients and their families to help realize their financial goals, including comfortable retirement planning and navigating liquidity events. He has been with Merrill since 2015 and serves as a primary point of contact for both clients and advisors seeking timely information on account questions and services. Christopher leverages investment insights from Merrill Lynch Wealth Management alongside banking services from Bank of America to assist high-net-worth clients in managing their wealth. His expertise encompasses services for defined benefit plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He collaborates closely with clients' attorneys, accountants, and other advisors to provide comprehensive financial advice that aligns with their overall goals. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a bachelor's degree from the California State University system. He is involved in community activities such as the Rotary Club of Chino Valley and volunteers with organizations including the Salvation Army in Riverside/Moreno Valley. He resides in Chino Hills, California with his wife Daphne and enjoys golfing, hiking, spending time with family, and traveling.

Lauren Sambrano is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated Private Bank since 2009. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Robert Peng is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63, 65, and 66 licenses and with 21 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. 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 financial planning process using firm-approved tools and modeling techniques.

Louis Windawi is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at LPL Financial since 2007 and previously spent 10 years at Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on diverse investment strategies and operational support tools.

Howard Mak is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and Fidelity Personal and Workplace Advisors. 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. The firm offers both non-discretionary and discretionary investment options, employing multi-asset model portfolios and a centralized operational structure.

Nhan Nguyen is an Investment Solutions Representative III at Fidelity Investments, where he partners with clients to understand their financial goals and to develop customized financial plans. He emphasizes forming strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work. Nhan has professional experience as a Financial Advisor at Merrill Lynch from 2019 to 2020 before joining Fidelity Investments in 2021. He holds a California Insurance License.

Charles Gustafson Jr. is a CFP® and Series 66 certificant with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers various discretionary and non-discretionary investment strategies under a fiduciary standard.

Gordon Cooper is a financial advisor at Edward Jones with three years of industry experience and a Series 66 designation. Prior to joining Edward Jones, he held positions at Ameriprise, Thrivent Financial, and Northwestern Mutual. Edward Jones is a full-service wealth management firm serving a diverse client base that includes individual and institutional investors. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Alyssa Suarez is a financial advisor with LPL Financial, holding a Series 66 designation and currently based in Santa Ana, CA. She has been in the industry since 2023, with previous experience at Ryadon Inc. from 2008 to 2023. Suarez also has ongoing roles with One Monroe Ryadon and Meritage Wealth Management. 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 financial planning and investment services, using model portfolios, third-party subadvisors, and customized strategies, supported by various operational and research tools.

Royston Hung is a Senior Financial Advisor at Merrill Lynch Wealth Management, located in San Jose, California. He began his career at Merrill Lynch Wealth Management in 2011 at Menlo Park, CA. Royston provides financial strategies tailored to small business owners, corporate executives, high-net-worth individuals, and their families by developing plans aimed at meeting their financial goals. He emphasizes consultative and objective advice, focusing on liability-driven investing, asset allocation, and tax efficiency. Royston's approach includes listening to clients to understand their financial priorities and goals before offering recommendations that consider income, growth expectations, time horizon, risk tolerance, and liquidity needs. His services encompass retirement planning, investments, education, estate planning, and philanthropy. Royston holds a Bachelor's degree in Economics with a minor in Financial Accounting from the University of California, San Diego. He has been investing since 2008 and followed the markets during his studies. He is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Fiona Ventura is a Series 66-credentialed financial advisor with Morgan Stanley in Irvine, CA, bringing six years of industry experience. Her work history includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, with prior experience at Windsor Communities, Lewis Management Corporation, Baltaire, and Mount St. Mary's University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Jeremy Garduno is a CFP® professional with 22 years of experience in the financial services industry. He is currently an advisor at LPL Financial and previously worked at Wells Fargo Clearing and Citigroup Global Markets. 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 financial planning and investment management services through a large network of advisers, utilizing various strategies including model portfolios, third-party subadvisors, and custom approaches.

Jon Leedom is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2015. Leedom has a 25% ownership interest in HLMT Group LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement and wealth-transfer planning, and integrates advisory services with various financial products and referral opportunities.

Anailsa Perez Pham is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank and Wells Fargo Clearing Services. Outside of her advisory role, she has experience as a self-employed notary public. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Jon Schrank is a CFP® professional with 31 years of experience in the financial services industry. He has worked at FSC Securities Corporation for 21 years before joining OSAIC in 2023. In addition to his advisory role, he owns and operates an independent insurance agency offering fixed insurance products including life, disability, and long-term care insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of managed account programs and third-party money manager solutions.

Michael Roane Jr. is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 65 credentials and bringing 53 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns and manages residential real estate investments. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes supported by proprietary tools and serves a wide range of clients through both direct and corporate financial planning agreements.