Robert Rettig is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory work, he is the owner of an automotive and transportation-related business, Rettig Rentals LLC, based in Irvine, California. Morgan Stanley Wealth Management provides a wide range of advisory services to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory programs.

Mohamed Abdalnaby is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2019. His prior experience includes roles at Target, Axa Advisors, Naeem Brokerage, and Beltone Financial Holding. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Bryce Darland is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise and Cetera Investors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Brandon Lam is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at Thrivent Financial and Thrivent Investment Management Inc. Outside of finance, he has been involved with the Boys & Girls Club in Garden Grove. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jerome Schmitt is a CFP® professional with 21 years of industry experience, currently affiliated with OSAIC since 2025. He spent 20 years at Lincoln Financial Advisors prior to joining OSAIC. Schmitt also serves as a board member of the Newport Hills Community Association and offers disability and traditional life insurance as an agent. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of advisory and brokerage services through an extensive network of financial advisers, utilizing tools such as asset-allocation analysis and automated rebalancing to manage various investment portfolios.

David Sedrak is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2017, including a tenure at Morgan Stanley Private Bank beginning in 2018. Prior to that, he was with UBS Financial Services from 2015 to 2017. Outside of his advisory work, Sedrak owns and operates a retail and online store business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by proprietary tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Raoul Dubery is a financial advisor with OSAIC in Tustin, CA, holding Series 63 and Series 65 designations and possessing 26 years of industry experience. He has worked with OSAIC since 1999 and Liberty Capital Management since 1998. Outside of his advisory roles, Dubery operates a sole proprietorship providing insurance solutions and is involved in real estate sales. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that include various asset classes on both discretionary and non-discretionary bases.

Wei Yue is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2025, Wei worked at Wells Fargo and held positions at the University of California, San Diego, and China Merchants Securities Co., Ltd. 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, pension plans, corporations, and charitable organizations.

Jing Yang is a financial advisor with Merrill in Tustin, CA, holding a Series 66 designation and seven years of industry experience. Yang has worked with Bank of America and Merrill since 2015. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Curtis Eakin III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. His career includes multiple tenures at Wells Fargo Clearing and UBS Financial Services. 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 incorporates modern portfolio theory, with a broad range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Trishia Olivas is a Financial Advisor at Merrill Lynch Wealth Management with over 14 years of experience in the financial services industry. She collaborates closely with individuals, families, and business owners to provide financial clarity and confidence. Trishia works with clients to understand their unique goals and circumstances, creating personalized strategies to meet their financial objectives. Her expertise includes assisting women navigating life transitions such as divorce, widowhood, or career changes, as well as supporting business owners managing personal and business financial planning. She also guides families in balancing saving for education, retirement, and wealth transfer. Trishia adopts a collaborative approach, working alongside other trusted advisors to ensure cohesive financial plans. Trishia holds a Bachelor's Degree from the University of California System and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). Outside of work, she enjoys hiking, music, reading, running, spending time with family, traveling, and yoga.

John Draper is a CFP® certificant with 48 years of industry experience, currently with Wells Fargo Advisors since 2018. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services using proprietary research and planning tools, with optional implementation through its brokerage or advisory programs.

Kun Er Lu is a financial advisor with LPL Financial in Rancho Mission Viejo, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various financial planning and advisory programs, retirement consulting, and brokerage services supported by model portfolios and research from multiple sources.

Melanie Lee is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2020. Her role involves partnering with individuals and families to simplify financial planning and develop customized plans aligned with clients' goals and objectives. Prior to her current position, she served as a Financial Consultant at Fidelity Investments from 2020 to 2024 and as a Financial Advisor at Kinetic Financial from 2016 to 2020. She holds a California Insurance License. Outside of her professional responsibilities, Melanie enjoys camping, family activities, fitness, golf, pets, and traveling.

Charles Goffin is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a trustee for his mother. 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.

Theodosios Drivas is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has worked in various roles at firms including Leapfin, Narvar, Clifton Larson Allen, and White Nelson Diehl Evans. Drivas also supports lead advisors with comprehensive financial planning, including retirement readiness, estate planning, and investment strategies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

Douglass Cosgrove is a financial advisor with UBS Financial Services in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS Financial Services and its predecessor, Paine Webber, since 1994. Outside of his advisory role, he serves as a reserve police officer for the Huntington Beach Police Department. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm provides a wide range of services including fee-based financial planning, portfolio management, and institutional trading capabilities.

Michael Russo is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with substantial investable assets, combining research and modeling techniques to provide tax-efficient withdrawal strategies and Social Security claiming advice. The firm delivers advisory, brokerage, and insurance solutions through a broad institutional platform.

Lance Dumas is a financial advisor with LPL Financial, holding the ChFC®, Series 63, and Series 66 designations and bringing 26 years of industry experience. His prior experience includes roles at Cornerstone Financial Advisers and Cetera-affiliated firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and corporations, through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management strategies supported by in-house and third-party research.

Scott Seaman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' unique financial situations, focusing on areas such as divorce transition planning, education planning, employee benefits planning, executive and equity compensation, family wealth management, personal retirement planning, philanthropic planning, and women and wealth. Since beginning his career at Merrill Lynch Wealth Management in 2007, Scott has worked closely with clients to understand and pursue their financial and personal goals. He holds a Bachelor's Degree from Ramapo College and a Master of Business Administration from New York University's Stern School of Business. Additionally, he is a CERTIFIED FINANCIAL PLANNER® practitioner and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Scott enjoys basketball, golfing, and tennis. He emphasizes a team approach to help clients find strategies that align with their personal wealth management objectives.