Kay Sullivan is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Carmel, California. Since joining Merrill Lynch in 2002 after serving as a director at a Fortune 50 company, she has contributed to a collaborative, four-person team that develops comprehensive wealth management strategies for clients. Kay focuses on delivering personalized financial planning and portfolio management services tailored to a wide range of client needs, including retirement income strategies, tax minimization, college education planning, business transition planning, and socially responsible investing. Kay holds a Bachelor of Science degree in Business Administration from the University of Illinois. She has earned several professional designations, including Certified Financial Planner (CFP®), Chartered Retirement Planning Counselor (CRPC), Chartered Advisor in Philanthropy (CAP®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her approach emphasizes working closely with clients and their professional advisors to ensure all aspects of clients’ financial lives are aligned with their goals. Outside of her professional work, Kay has been involved in community organizations on the Monterey Peninsula. She has served on the boards of the International Anti-Poaching Foundation, Chartwell School, Carmel Public Library Foundation, and Stillwater Yacht Club, and has participated in committees such as the Women’s Fund of the Community Foundation for Monterey County. Kay enjoys a variety of personal interests including boating, cooking, hiking, music, reading, scuba diving, skiing, traveling, and spending time with her family.

Peter Black is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he manages financial affairs as power of attorney for an aging parent. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary options. The firm’s IPS-driven process incorporates modern portfolio theory and includes investment alternatives such as insurance-related vehicles and bank deposit sweep options.

Craig Eshenko is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2012. He has 13 years of industry experience. 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 through a nationwide network of more than 23,700 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Juan Vazquez is a financial advisor at Osaic Wealth, Inc. with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities and Western International Securities. Outside of his advisory role, Vazquez is active in his community as president of the Tustin Chamber of Commerce and chairman of the Yorba Linda Chamber of Commerce, and owns businesses including Café Zócalo and Imperium Legacy LLC. OSAIC Wealth, Inc. serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party money managers to manage portfolios across a range of asset classes.

Jeffrey Wong is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He has held roles at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. He holds Series 63 and Series 66 designations. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Alexandria Page is a financial advisor at Wells Fargo Advisors with nine years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Advisors since 2016. Outside of her advisory role, she has a 50% ownership interest in a rental property business in Conneaut Lake, Pennsylvania. 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 and uses proprietary research and tools to develop tailored recommendations delivered through meetings and written client summaries.

Helen Zhao is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding a Series 66 designation and 16 years of industry experience. She previously worked at Morgan Stanley and Wells Fargo Advisors. Zhao also teaches part-time in the Personal Financial Planning program at UCLA Extension. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its investment recommendations.

Jennifer Lee is a CFP® professional with 11 years of industry experience, currently serving as an advisor at J.P. Morgan Securities since 2016. Prior to joining J.P. Morgan, she worked at Fidelity Investments for two years and provides consulting and administrative support for Calland Engineering Inc., a family business. J.P. Morgan Securities LLC offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Josh Hanlin is a financial advisor with LPL Financial in Mission Viejo, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ameriprise and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by a range of model portfolios, research, and technology-driven solutions.

Janet Wiesen is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Javier Moreno is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo in various capacities since 2018, including roles at Wells Fargo Bank, N.A. and Wells Fargo Clearing. Prior to entering the financial industry, he was employed at the United States Postal Service and Costco Wholesale. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Anthony Roble is a CFP® professional with 18 years of industry experience, currently working at LPL Financial since 2008. He holds the Series 63 designation and is based in Irvine, California. 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 advisory representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party sources.

Carmello Buscemi is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Nathaniel Ticman is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several major firms, including Wells Fargo, Bank of America, Merrill, and MUFG Union Bank. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Valeria Esteban is a financial advisor at OSAIC with 12 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 12 years. Esteban is also an insurance agent offering fixed insurance products such as annuities and life insurance through Oakwood Wealth Partners. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services supported by various portfolio construction tools and third-party platforms.

Hsin Yen Neilon is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining UBS in 2015, Neilon worked at Merrill for 15 years. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, supporting its advisory work with proprietary research and model-based asset allocations.

Arya Moshrefi is a financial advisor at Fidelity with 8 years of industry experience. His prior roles include positions at Bank of America, Merrill, and New York Life Insurance. Outside of finance, he has been involved with an automotive window tinting business, assisting with shop operations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Alison Almazan is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She has worked with Wells Fargo Bank, N.A. since 2007 and joined Wells Fargo Clearing in 2016 after five years at Wells Fargo Advisors LLC. Outside of her advisory role, she co-owns Capistrano Springers, a dog breeding business. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Kyle Nardi is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with individuals and families, guiding them through key financial milestones such as retirement preparation, planning for growing families, managing liquidity events, and developing multigenerational wealth and legacy strategies. Kyle's approach emphasizes listening and education, fostering long-term relationships based on trust and transparency. As a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA), Kyle is dedicated to helping clients make informed financial decisions by understanding the reasons behind recommended strategies. He prioritizes education and proactive guidance to help clients navigate life's transitions with clarity and confidence. Kyle holds a Bachelor's Degree from the California State University System. Outside of his professional role, he enjoys basketball, cooking, hiking, horseback riding, pickleball, soccer, and spending time with his family.

Adam Jaros is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In his role, he helps staff deliver a client experience where clients feel heard and understood. He emphasizes a planning approach designed to help clients pursue their financial aspirations. Prior to joining Fidelity Investments, Adam served as a Senior Advisor at Sierra Investment Management from 2021 to 2023. Before that, he was Branch Manager at TD Ameritrade from 2005 to 2021. Adam holds a California Insurance License. Outside of his professional responsibilities, Adam has interests in baseball, fitness, football, golf, and traveling.