Kirsten Tangeman Herve is a financial advisor at LPL Financial with 27 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to joining LPL Financial in 2021, she worked at Ameriprise Financial Services from 2016 to 2021. 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 advisers. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management along with model portfolios and research from various sources.

Marina Randolph is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 66 registrations and has worked previously at RBC Wealth Management, Zions Bancorporation, and The Wealth Consulting Group. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Richard Meeks is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing a comprehensive approach to managing wealth, focusing on listening to clients’ needs and developing personalized financial strategies aligned with their long-term goals. Richard offers access to the investment insights of Merrill Lynch alongside the banking convenience and lending solutions of Bank of America to address various aspects of his clients’ financial lives. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, liquidity management, retirement income and planning, portfolio management services, tax minimization, and managing new wealth. Richard holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University System. Outside of his professional work, he is involved in community volunteering and enjoys activities such as basketball, biking, gardening, golfing, hiking, music, traveling, and watching movies.

William Barnes IV is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes roles at Kestra Advisory, Equitable Advisors, AXA Advisors, and Nfp Securities. Outside of his advisory work, he is involved with Ainokea Industries LLC, a non-investment business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from multiple sources.

Robert Garcia Jr. is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and has worked previously at CUSO Financial Services and Wescom Financial Services. He served in the United States Navy for 28 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by research-driven and technology-enabled investment strategies.

David Lopez is a CFP® with 30 years of industry experience, currently affiliated with OSAIC since 2007. He previously worked at Wealthcare Alliance from 2010 to 2018. Lopez operates a sole proprietorship focused on analyzing clients' insurance needs and making recommendations for life insurance, estate plans, and long-term health care. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with an emphasis on asset allocation, risk assessment, and portfolio construction that includes stocks, bonds, mutual funds, ETFs, and alternative investments.

Michael Lockwood is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corporation for 38 years. Outside of his advisory role, he is an author of retirement-related content, a baseball umpire for youth games, and provides educational seminars on social security. OSAIC serves a wide range of clients including individual and high-net-worth investors, pension plans, corporations, and charities through an extensive network of advisers and advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction supported by asset-allocation tools, risk assessments, and access to various investment products and third-party money managers.

Nikki Wang is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving high-net-worth and ultra-high-net-worth clients with a focus on integrated financial strategy and personalized advice. She specializes in working with multi-generation families, entrepreneurs, and senior executives with international business interests, addressing areas such as tax minimization, wealth transfer, traditional and alternative investments, trust and estate planning, family wealth dynamics, and foundation administration. Nikki began her financial services career in 2008 with The Capital Group and brings over 16 years of industry experience. Prior to joining Merrill, she spent twelve years at JPMorgan Chase Bank, where she held various roles including First Vice President. She holds FINRA Series 6, 7, 63, and 66 registrations, California Life and Health Insurance licenses, and professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Nikki earned her Bachelor of Arts in Business Economics with a minor in Management from the Paul Merage School of Business at the University of California, Irvine. She is fluent in English and Mandarin. Outside of her professional role, Nikki founded a nonprofit organization at UC Irvine dedicated to professional development and community service. Her personal interests include dancing, interior decorating, and traveling.

Jason Somrak is a ChFC® credentialed financial advisor with Edward Jones in Mission Viejo, CA, where he has worked for 15 years. He holds the Series 66 license and has focused his entire industry experience at Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jamie Lee Gehrmann is a financial advisor with Edward Jones in Lake Forest, CA, holding a Series 66 designation and beginning her industry experience in 2024. Prior to joining Edward Jones, she worked in various roles across multiple industries including security services, fitness, construction, and tax preparation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory solutions including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

Robert Brown is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a broad range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Fadia Chandler is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2005. Outside of her advisory role, she sells personal clothing items and accessories on Poshmark. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Henry Hernandez is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at UBS Financial Services and various Wells Fargo entities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broader set of financial product offerings than typical for large institutional advisers.

Han Mao is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her financial services career in 2003 and brings extensive experience in family wealth management, retirement planning, portfolio management, and socially responsible investing. Han works closely with clients to develop comprehensive wealth strategies tailored to their individual needs, focusing on connecting all aspects of their financial life to help prioritize and achieve their goals. Han holds a Bachelor's Degree from California State University and is a Personal Investment Advisor (PIA). Fluent in English and Vietnamese, she has worked with clients and their families for over 20 years and serves a diverse clientele including endowments, foundations, non-profits, and business owners. Outside of her professional role, Han is active in community volunteering and enjoys boating, cooking, reading, swimming, traveling, and yoga. She values family time with her husband and two children.

Shawn Mulrenan is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2017, following a three-year tenure at Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies constructed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with a range of strategic and tactical asset allocation approaches.

Imar Rodriguez is a Wealth Management Senior Relationship Manager at Fidelity Investments, where he serves as the main point of contact for the firm's most affluent clients. He provides tailored guidance and assists clients in maintaining a holistic view of their wealth for effective planning. If necessary, he connects clients with Fidelity professionals to offer comprehensive support. Mr. Rodriguez has extensive experience in the financial services industry, having held roles such as Partner and Managing Director Private Wealth Advisor at Snowdenlane Partners from 2015 to 2024, Assistant Vice President International Financial Advisor at Merrill Lynch from 2010 to 2015, and Financial Advisor positions at JP Morgan Chase and Wells Fargo Investments between 2007 and 2010. He began his career as a Financial Planning Consultant at Fidelity Investments from 2000 to 2007. He holds a California Insurance License. Outside of his professional work, Mr. Rodriguez has interests in fitness, running, scuba diving, soccer, and traveling.

Rashik Aryal serves as a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. In this capacity, he collaborates with clients to develop personalized financial strategies tailored to their goals and life circumstances. He joined Fidelity Investments in 2007 and has held several positions within the company, including Investment Consultant, Retirement Relationship Manager, Retirement Solutions Representative, Investments Solutions Representative, and Financial Representative. With over 18 years of industry experience and a strong foundation in finance, Rashik specializes in retirement planning, investment strategies, and financial decision-making support. He holds a California Insurance License, enabling him to provide a range of financial services. Outside of his professional commitments, Rashik engages in activities such as fitness, hiking, music, parenthood, table tennis, and yoga.

Scott Sinek is a financial advisor with Mass Mutual Investors Services in San Juan Capistrano, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2003. Outside of his advisory role, he is involved in legal work related to wills and trusts as "Of Counsel" at Blied Dillon & Mackey and coaches basketball. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to support collaborative, annual planning engagements.

Summer Miller is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Wells Fargo Advisors since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, using Wells Fargo research and tools to develop tailored recommendations for its clients.

George Ramirez is a financial advisor with Charles Schwab in Mission Viejo, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Merrill, Bank of America, MassMutual, JPMorgan Securities, and JP Morgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervision and custody services.