William Griffith is a financial advisor with LPL Financial in Laguna Beach, CA, holding a Series 66 designation and 9 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he is involved with Sunbrella LLC, a business entity unrelated to investing. 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 advisory services, including model portfolios and third-party asset management, supported by technology tools and a broad network of over 22,800 advisors.

Brock Mc Neff is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms including Northwestern Mutual and SchoolsFirst FCU. He is also associated with SchoolsFirst FCU as a financial institution advisor. 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, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Kelly Milligan is a Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. She is responsible for coaching, inspiring, and motivating her team to maximize their potential and deliver exceptional client experiences. Kelly has been with Fidelity Investments since 2017, progressing through various positions, including Branch Leader, Vice President Financial Consultant, Financial Consultant, Senior Relationship Manager, and Relationship Manager. Her professional experience spans from 2014, starting as a Private Client Associate at Bernstein Private Wealth Management, then moving to Wedbush Securities as a Registered Client Associate before joining Fidelity Investments. Kelly holds a California Insurance License. Outside of her professional career, Kelly enjoys biking, horseback riding, skiing, traveling, and is actively involved in parenthood.

Karen Lyn Manuharan is a financial advisor with Morgan Stanley in Newport Beach, CA, holding the Series 66 designation and seven years of industry experience. Her prior roles include positions at UBS Financial Services Inc. and KCAL Insurance Agency/TBH Marketing & Consulting Inc. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and proprietary tools to develop plans, with clients responsible for implementation and updates.

Saul Sandoval Franquez is a financial advisor at LPL Financial with four years of industry experience. He previously worked at Bank of America and Merrill from 2021 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Anouchka Balog is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to model financial outcomes.

Ian Stock is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Patrick Capital Markets, Ultimus Fund Solutions, Lyrical Partners, and BlackRock Investment Management. Outside of his advisory work, he is registered as an ambassador for a health and wellness products company, Q Sciences, with limited involvement. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored portfolio strategies, employing both in-house and third-party investment managers and providing a variety of portfolio management and financial planning services.

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® with three years of industry experience, currently affiliated with Cambridge Investment Research Advisors. Her prior positions include roles at GEM and Flexfire LEDs. She also engages in contracting work through FutureNest. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

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.

Mason Limm is a financial advisor at LPL Financial with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Wells Fargo Bank and SchoolsFirst Federal Credit Union prior to his current role. 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, model portfolios, third-party asset management, and institutional platforms.

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.