Timothy Woodall is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and possessing 28 years of industry experience. His career includes prior roles at J.P. Morgan Securities, First Republic Investment Management, UBS Financial Services, and Merrill. Outside of his advisory work, he is involved with business entities established for tax and investment purposes. 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 third-party asset managers, supported by a large network of investment adviser representatives and a variety of investment strategies.

Nicole Quinlan is the Resident Director and Wealth Management Advisor at Merrill’s Laguna Niguel office. She began her financial services career in 2012 and joined Merrill in October 2020. Nicole specializes in multigenerational wealth planning, helping clients create detailed, easy-to-follow strategies that align with their financial goals. Her advisory practice emphasizes legacy and wealth transfer planning, tax-efficient strategies, and personalized guidance for families and business owners. Nicole holds a Bachelor of Science in International Business from California State University, Long Beach. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, Certified Private Wealth Advisor® (CPWA®), and a Certified Exit Planning Advisor (CEPA). Her expertise includes retirement planning, tax minimization, socially responsible and values-based investing, and supporting women and families in building confident financial futures. Nicole is involved in the Orange County community through her participation with Young Catholic Professionals. Raised in Southern California, Nicole lives in Orange with her husband and their rescue dog. Outside of her professional responsibilities, she enjoys hiking, yoga, reading, traveling, and volunteering.

Radoslav Mladineo is a Financial Advisor at Merrill Lynch Wealth Management, where he serves as a strategic advisor to business leaders, entrepreneurs, and high net worth families. Since beginning his career in financial services in 2004 and joining Merrill Lynch in 2011, he has dedicated himself to delivering comprehensive wealth management solutions that combine personalized service with the extensive capabilities of a leading financial firm. Mr. Mladineo holds a Bachelor’s degree from Stanford University and an MBA from the UCLA Anderson School of Management. He earned the Chartered Financial Analyst® (CFA®) designation in 2013, reflecting his commitment to professional excellence and high ethical standards. Supported by a specialized team from Bank of America and Merrill Lynch, he provides expertise in areas including capital markets, trust and estate strategy, charitable giving, and lending. In his work, Mr. Mladineo emphasizes understanding clients’ personal aspirations and challenges to support their financial wellness and legacy planning. Outside of his professional role, he has interests in boating, dancing, hiking, music, and traveling. He is fluent in English and Spanish.

Aleksander Henka is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, specializing in serving institutional clients as a designated Merrill Institutional Consultant. Since beginning his career with Merrill in 2008, he has worked with a range of organizations, including health care institutions, higher education, religious organizations, nonprofits, private foundations, and family offices, providing tailored investment and wealth management strategies aligned with clients' missions and long-term objectives. His advisory approach emphasizes disciplined portfolio construction, prudent asset allocation, diversification, and thorough due diligence across both traditional and alternative investments. Alek partners closely with boards, trustees, and investment committees to deliver income planning and risk management services, focusing on aligning capital with organizational priorities and fiduciary standards. His areas of expertise include family wealth management strategies, institutional consulting, liquidity management, philanthropic planning, ESG investing, and tax minimization. Aleksander earned a Bachelor of Arts in Business Economics from the University of California, Santa Barbara. He holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ and the Personal Investment Advisor (PIA) designation. In addition to his professional work, he is involved in community organizations such as Laura's House, Providence Speech and Hearing Center, and Tustin Western Little League. Outside of work, Alek enjoys biking, hunting, and traveling.

Daniel Kaplan is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

Noah Burns is a CFP® professional with 16 years of experience in the financial industry. He has been with Stifel Nicolaus & Co. Inc. since 2013, following two years at First Trust Advisors LP. Outside of his advisory work, Burns is active in community service through Rotary International, where he co-founded and serves as president of a chapter, and participates in local Rotary Club committees focused on charity and youth services. Stifel serves a broad client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that supports asset allocation and planning analyses to inform client decisions.

Stephen Grimes Jr. is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He began his financial services career in 2005 and focuses on offering a comprehensive approach to managing wealth that starts with listening to clients' needs to develop personalized financial strategies. Stephen assists clients in building wealth management strategies tailored to their individual goals and circumstances. His expertise includes portfolio management, management of concentrated stock positions, and navigating important financial transitions such as retirement, inheritance, or the sale of a business. He also provides access to trust and estate planning services through Bank of America Private Bank and commercial banking and financing needs through Bank of America. Stephen works collaboratively with clients' attorneys, accountants, and other advisors to coordinate financial and legacy strategies. His client focus areas include corporate and employee benefits planning, family wealth management, services for endowments, foundations and non-profits, small business strategies, sports and entertainment, tax minimization, and retirement income. Stephen holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his High School Diploma from Edmond North. Stephen is involved in community organizations such as the Caviit Kids Foundation, Edmond Fine Arts Institute, Oak Tree Mens Golf Association, and Oklahoma Children's Hospital. He is also affiliated with the PGA of America. His personal interests include basketball, fishing, golfing, hiking, painting, skiing, spending time with family, surfing, traveling, and watching movies.

Shabnam Rezaei is a financial advisor with Merrill holding a Series 66 designation. She has been with Merrill since 2022 and has previous experience at Bank of America, N.A., EZ Insurance, Macy's, and MiniDil. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John Harcar is a financial advisor with LPL Financial in Laguna Niguel, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes longstanding service at Linsco/Private Ledger Corp. since 1998 and operating the JCH Insurance Agency, Inc. from 1997 to 2016. He is also involved in an insurance agency specializing in fixed life, health, disability, and long-term care insurance alongside his securities business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives utilizing a variety of strategies and tools.

Cody Paningsoro is a CFP® with 12 years of experience in the financial industry. He has worked at Stifel Nicolaus & Co Inc since 2021, following roles at Wells Fargo Clearing and Osaic FA, Inc. He serves on the board of Volunteer Network OC, a nonprofit that connects volunteers with organizations in the Orange County region. Stifel serves a diverse range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing asset allocation and planning analyses to support client decision-making.

Anna Lam is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services, Wells Fargo Clearing, and Credit Suisse Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through tailored asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative due diligence supported by a manager solutions team, with a focus on eligible strategies that may include ESG considerations.

Shawn Chughtai is a Series 66 licensed financial advisor with 18 years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., where he has been employed for eight years. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks where appropriate.

Jennifer Povlitz is a financial advisor at UBS Financial Services with 38 years of industry experience. She holds Series 63 and Series 65 designations and has been with UBS since 2015. Outside of her advisory role, she serves as a board observer for Trust and Will, a digital legal forms company, providing strategic advice as they expand. She also contributes to the Securities Industry Financial Markets Association by assisting with curriculum and educational content for industry professionals. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm leverages proprietary research and model-based asset allocations to tailor financial plans and provides a broad range of capital markets services alongside wealth management.

Fatama Khan is a financial advisor at Charles Schwab with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated bank since 2011. Khan serves as a member at large for an Orange County education board, participating in decisions about event content. 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 solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Wilison Lim is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and six years of industry experience. His career includes roles at Philippine Savings Bank from 2012 to 2017 and Bank of America since 2017. 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.

Michael Million is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he is the managing member of NYSE Guy, LLC, an automotive and real estate business based in Montana, and co-manages JLMeCom LLC, a retail and online store operated primarily by his spouse. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both 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 utilizing firm-approved tools and modeling techniques.

Adam Fletcher is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation. Prior to joining Fidelity, Mr. Fletcher held various positions outside the financial industry, including roles in real estate and education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a systematic investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction, managing assets through model portfolios composed of mutual funds, ETFs, and ETPs.

Ole Nielsen is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads a team of seven financial professionals serving a select group of wealthy families. His clients include current and past founders and senior executives of private and public companies, as well as multi-generational affluent families. Ole and his team focus on providing clients with simplification, organization, and proactive financial advice, incorporating private banking services through Bank of America alongside estate planning and comprehensive wealth management strategies. Ole's approach is grounded in treating clients' wealth with the same care as his own family's, emphasizing transparency, accountability, relationship-building, competency, and risk management. He holds the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute™ and has taught in conjunction with the University of Chicago Booth School of Business. He also contributes to the development of new advisors by teaching wealth management during their first four years at Merrill and serves on several non-profit boards. Ole holds a bachelor's degree from California State University Long Beach. Residing in Laguna Beach, California, Ole and his wife Michele enjoy long-distance mountain hiking and international travel. They are active in their local community and spend time with their daughter.

John Milligan is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 credential and nine years of industry experience. He previously worked at Scottrade and has been with LPL Financial since 2018. Outside of his advisory role, he contributes writings on economic, market, and fundamental analysis of individual securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor tools and extensive operational resources.

Jaime Lowry is a financial advisor at UBS Financial Services with 16 years of industry experience and holds the Series 66 designation. He has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary market insights and a range of financial planning and portfolio management services.