Ian Stock is a financial advisor at RBC Capital Markets with 17 years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Securities LLC and Patrick Capital Markets, among other firms. Outside of advisory activities, he is an ambassador for Q Sciences, a health and wellness products company, with limited involvement. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base, including individual and institutional investors. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles through both in-house and third-party managers.

Luka Vasiljevic is a financial advisor with Raymond James & Associates, holding a Series 66 designation and seven years of industry experience. Prior to joining Raymond James, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning and investment consulting services with a range of portfolio management styles.

Margery Birkedal is a financial advisor at Cetera with 28 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked for Avantax Advisory Services and related entities for 16 years. Outside of her advisory role, she owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Ellen Jampolsky is a CFP® and Series 65 credentialed financial advisor at Cambridge Investment Research Advisors with two years of industry experience. Her prior roles include positions at GEM and Flexfire LEDs. She is also involved as a contractor with FutureNest. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients with financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions, including proprietary and third-party model strategies, delivered through a network of independent financial professionals.

Bryce Mott is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Newport Beach, California. He began his financial advisory career in 2011 and uses the combined resources of Merrill Lynch Wealth Management and Bank of America to provide a comprehensive range of investment services. Bryce's expertise encompasses wealth management, college savings plans, retirement planning, life insurance, home and business financing, portfolio construction, and trust and estate planning. Bryce holds a bachelor's degree in Psychology from the University of Arizona, earned in 1997, and maintains FINRA Series 7 and 66 registrations as well as an insurance license. Additionally, he holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A California native, Bryce resides in Corona del Mar with his wife and two sons. He is actively involved in his community as a board member of both the Harbor View Dads and the Corona del Mar Residents Association. His personal interests include CrossFit training, coaching youth soccer, and participating in local running events. Bryce’s approach to wealth management centers on building long-term client relationships through disciplined strategies and attentive service.

Steve Schenk is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and 65 designations and having 30 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and previously worked at Citigroup Global Markets starting in 2000. 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 emphasizes a structured financial planning process supported by firm-approved tools and models.

Renee Johnson is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Randal Ellis is a financial advisor with Osaic Wealth, Inc. based in Mission Viejo, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining Osaic in 2024, he worked with Securities America and SSN Advisory. He also assists clients with insurance products, including life, annuities, and health insurance. Osaic Wealth serves a wide range of clients from individuals to institutions through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage diversified portfolios on both discretionary and non-discretionary bases.

Melanie Anderson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she held roles at Escrow Options Group and U.S. Alliance Group, among others. She is also a California-licensed notary public. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in managing discretionary and non-discretionary accounts.

Susanna Pena Lund is a financial advisor with UBS Financial Services in Newport Beach, CA. She holds a Series 63 designation and has 31 years of industry experience, including 27 years with UBS. Outside of her advisory work, she is involved in making and selling crafts. UBS Financial Services serves individual, corporate, and institutional clients through a variety of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

David Knos 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 several firms, including Gateway Mortgage, Seville Mortgage and Investments LLC, and Dove Mortgage Corp. Knos is based in Mission Viejo, CA. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and alternative investment options.

Mason Limm is a financial advisor with LPL Financial in San Juan Capistrano, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Wells Fargo Bank and SchoolsFirst Federal Credit Union. LPL Financial serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Leonard Whitehorn is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at JPMorgan Chase Bank, N.A., Wells Fargo, and J.P. Morgan Securities throughout his career. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Lisa Hallaian is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 36 years of industry experience. She has been with Cambridge since 2017. Outside of her advisory role, she works as an independent insurance agent and assists business owners with research and development tax incentives. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent Financial Professionals using a variety of portfolio management approaches and platform arrangements.

Riley Wilson is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Schwab, he held roles in the hospitality sector, including positions at Penrose Taphouse, Bad Daddy's Burger Bar, and Nick's Italian. He is a minority owner of MTR Investments, LLC, a real estate business, though he has no active role in its operations. Charles Schwab serves a large client base of 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 advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

James Turner is a Series 66-registered financial advisor with Morgan Stanley in Newport Beach, CA, having six years of experience at the firm and two years in the industry overall. Prior to his current role, he worked at Morgan Stanley Private Bank, 24 Hour Fitness, Saddleback Unified School District, and So Cal Athletic. Outside of his advisory work, he coaches soccer at Orange Lutheran High School. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling to assist clients, offering a broad range of retail and institutional financial products.

Adriana Acosta is a financial advisor at Merrill with eight years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Bank of America, N.A. and BOFA Securities, Inc. She serves as a board member of Tech San Diego, a nonprofit organization focused on fostering growth and innovation in the regional technology ecosystem. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steven Bernardy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1997. He manages the Santa Ana office and focuses on helping clients determine and implement long-term financial and wealth management strategies, with particular attention to estate planning in coordination with clients' other advisors. Steven's client focus areas include education planning, legacy planning, personal retirement planning, and retirement income. Steven graduated with a Bachelor's Degree in Economics from UCLA in 1983 and began his career as a financial advisor that same year. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory work, Steven has taught investment courses for over 15 years at local community colleges. Outside of his professional role, Steven has been involved with charitable organizations such as Olive Crest, which provides homes and services for abused children. He lives in North Tustin with his wife, Suzanne, and enjoys playing hockey, tennis, pickleball, and golf.

Gregory Zappas is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at J.P. Morgan Securities, First Republic Investment Management, and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with various advisory programs, including tailored financial planning supported by firm-approved tools and models.

Donald Oliver Jr. is a financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Masimo Corporation for two years and HireRight, Inc. for thirteen years. He holds Series 63 and Series 66 designations and is based in Ladera Ranch, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors and offers a range of advisory strategies under a fiduciary standard.