Le Ning Zhu is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2017, Zhu worked at Bank of America, N.A. from 2012 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market data models.

Patrick Mcginley is a financial advisor with Primerica Advisors in Mission Viejo, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1992. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure, focusing on non-institutional clients.

William Duggins is a CFP® with 40 years of industry experience, currently practicing at LPL Financial. He has been affiliated with Linsco/Private Ledger Corp. since 2005. Outside of financial advising, he is a licensed real estate broker in California and is working on a non-business-related book. 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. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research.

Neddie Bokosky is a financial advisor with Cetera in Newport Beach, CA, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. Prior to joining Cetera in 2023, he worked at Securian Financial Services and Minnesota Life for 33 years. He serves as a board member of the Project Kokoro Club of Orange County Buddhist Church, a senior outreach organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals across wealth levels, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Nicholas Dodson is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and based in Irvine, CA. He has been with Thrivent since 2026 and has prior experience at Dependable Life Group LLC, Family First Life, Amazon, Center for Autism and Related Disorders, and Nordstrom. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on holistic, goal-based analyses and written recommendations across various financial planning topics. The firm offers ongoing or one-time planning engagements and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Glenn Hamburger is a CFP® with eight years of industry experience, currently associated with Wells Fargo Clearing. His prior roles include positions at JPMorgan Securities LLC, Banc of California, and Bank of the West. He serves as an Advisory Board member for the University of California, Irvine Paul Merage School of Business Center for Investment and Wealth Management. 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, grounded in modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Kasandra Schindler is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with J.P. Morgan Securities since 2009 and also works with JPMorgan Chase Bank, where she offers a range of banking products and services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision-making authority.

Heidi Lynn is a financial advisor with Merrill, holding a Series 66 designation and over 26 years of industry experience. She has been with Merrill since 2009 and has an overlapping tenure at Bank of America dating back to 2006. Outside of her advisory role, she serves on the board of Texttelligent Inc. and is involved as a general partner in an LLC that manages a power catamaran for leasing and personal use. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a range of clients including individuals, high-net-worth clients, and institutional investors. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, with a focus on tax-aware options for investors with higher tax sensitivity.

George Yezbak Jr. is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has 24 years of industry experience. He has worked with J.P. Morgan Securities since 2008 and JPMorgan Chase Bank, N.A. since 2010. 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. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Thomas Doughty is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Newport Beach, California. He leads a team with over 48 years of combined industry experience, working closely with entrepreneurs, business owners, and executives. Thomas provides tailored financial advice aimed at helping clients pursue personal and family goals, including employee benefits planning, family wealth management, retirement income, and tax minimization. His clientele often includes individuals with sophisticated needs who seek to simplify complex financial situations and achieve purposeful financial outcomes. With a career spanning several decades since beginning as an intern at a local financial firm at age 17, Thomas brings a depth of perspective and judgment cultivated from navigating various market cycles. He values integrity and meaningful client relationships, many of which have lasted over thirty-five years and extended across generations. His advisory approach emphasizes thoughtful, forthright guidance supported by a broad network of resources when specialized expertise is needed. Thomas holds a Bachelor’s Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. He participates in the professional organization USRowing and is involved in community initiatives such as Curing Autism Now and the Huntington Beach Charger Special Needs Flag Football program. Outside of work, Thomas enjoys biking, cooking, golfing, music, coaching his children’s sports teams, rowing, and traveling with his family.

Billy Lattash is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants to develop financial plans aimed at helping clients achieve their financial goals. He began his career at Fidelity Investments as a Financial Representative in 2022, progressed to Relationship Manager in 2024, and currently serves in his planning role since 2024. Prior to joining Fidelity, he worked as a Concierge Banker at Citibank in 2022. Billy holds a California Insurance License, which supports his expertise in financial planning and insurance matters. Outside of his professional responsibilities, he enjoys camping, photography, and playing soccer.

Janice Hobbs is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with LPL Financial since 1989. Outside of her advisory role, she is a licensed real estate broker and has engaged in mortgage and real estate services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Arvizu is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has worked at J.P. Morgan Securities since 2011 and at JPMorgan Chase Bank, N.A. since 2016. 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 delivered through a select group of Wealth Advisors.

William Moore is a financial advisor at Merrill with 45 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2008, also working at Bank of America since 2009. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tian Gao is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial Services. 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.

Barbara Stowell is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with LPL Financial since 2004. Stowell is active in business networking through her involvement with BNI in Irvine. LPL Financial serves a broad client base including individuals, retirement plans, institutions, and charitable organizations, offering a range of advisory and brokerage services supported by in-house and third-party research and portfolio management tools.

Christopher Kelly is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, and has worked at Wm Financial Services, Inc. since 2000. 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Zachary Fidler is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to his current role, he served ten years with the San Bernardino County Sheriff's Department. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services using model-driven portfolio strategies supported by third-party asset managers and custodians.

Jack Banning is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior tenure at Merrill from 2009 to 2017. Banning has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to support client outcomes.

Edilia Noa is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 credentials and 12 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 NA. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.