Yachen Sun is a CFP® with 12 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for NYLife Securities, LLC and New York Life Insurance Company for 12 years. He is based in Newport Beach, CA. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Brett Frazier is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and has prior work history at The Hartford, Humanscale Corporation, E3 Consulting, and Alta Vista Country Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipalities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

John Leat is a Financial Consultant at Fidelity Investments, where he currently partners with clients to develop personalized financial plans and strategies aimed at enhancing their comfort and confidence in their financial futures. He has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant before assuming his current position in 2025. John holds a California Insurance License, supporting his work in financial consulting. His career at Fidelity Investments has provided him with a broad range of experience in financial services and client relationship management.

Jeffrey Levine is a financial advisor at Stifel with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Dale Wood is a CFP® with 41 years of experience in the financial industry and has been with OSAIC since 1990. He holds a Series 63 license and operates a sole proprietorship offering fixed and variable annuity insurance as well as fixed life products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of financial advisers. The firm provides a range of brokerage, advisory, and retirement services using various asset-allocation tools and third-party platforms.

Cory White is a financial advisor at Edward Jones in San Clemente, CA, holding a Series 66 credential with one year of industry experience. His prior work includes roles at Birdwell California! LLC, William Ray Valentine LLC, and The Pacific Financial Group, Inc., as well as consulting through CM White Consulting. Edward Jones is a full-service wealth management firm serving more than 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, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Zachariah Page is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked in roles at Belmont Publications, Cintas, Target, and 24 Hour Fitness. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kim Chu is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, Kim co-owns rental properties with family members. 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 for individuals, high-net-worth clients, and institutional investors.

Stephen Blackwell is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 66 designation and has been with J.P. Morgan Securities since 2014. 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 brokerage, distribution, and investment management capabilities.

Jerrold Clarke is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo since 2016. Outside of his advisory role, Clarke operates an eBay business selling a baseball card collection. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources.

Richard White is a financial advisor with Cetera, holding CFP® and Series 66 designations and bringing 27 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance, and has operated R.M. White & Associates since 1983, providing tax preparation, planning, and financial statement services. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Justin Leonard is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, he was active in animal rescue through Home Free Animal Rescue and engaged in other personal business activities. 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 applying an ESG eligibility framework in its investment recommendations.

Mark Rehms is a financial advisor at J.P. Morgan Securities with 42 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Securities and JPMorgan Chase Bank since 2018, following a three-year tenure at Morgan Stanley Private Bank. J.P. Morgan Securities provides 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. The firm’s advisory services are offered on a non-discretionary basis, allowing clients to retain final decision-making authority.

Thomas Kirwan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at UBS Financial Services for eight years before joining Wells Fargo in 2018. Outside of his advisory role, he has ownership in Zephyr Cove Associates, LLC, where he reviews properties for potential purchase. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Marc Spiegel is a CFP® with 38 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. He previously worked at FSC Securities Corporation for 29 years and was affiliated with the University of California Irvine for 25 years. Outside of his advisory role, Spiegel owns two sole proprietorships focused on tax return preparation and insurance, and acts as a trustee managing licensing and intellectual property matters related to the likeness of "Andre the Giant." OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes a variety of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Chace Jackson is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Merrill, Bank of America, LPL Financial LLC, and ZB. NA / Zions. Outside of finance, he owns Reimagined Home Improvements Inc., a home-based business. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lawrence Smith is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 31 years before joining Wells Fargo in 2021. He serves as vice president of the Lyons-Smith Family Foundation, a charitable organization. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alexander Biestek is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Equitable Advisors and has additional experience outside finance, including operating a bail bonds business and working as a background actor in advertising. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and centralized operational support.

Michael Rezai is a Financial Advisor at Merrill Lynch Wealth Management. He brings a strategy-led perspective to wealth management, shaped by experience advising private equity firms, multinational corporations, and executive leadership teams on capital allocation, acquisitions, and complex financial decisions. His work centers on the stewardship of wealth, aligning investments, banking, lending, liquidity, tax considerations, estate planning, and legacy objectives within a unified long-term framework. Michael's expertise includes corporate executive services, executive compensation, family wealth management strategies, international wealth management, legacy planning, liquidity management, philanthropic planning, small business strategies, individual and corporate investment strategy, and tax minimization. His professional background includes private equity, mergers and acquisitions advisory, and strategic consulting, which inform his approach to the strategic governance of capital, wealth, and legacy. He holds a Bachelor of Business Administration and a Master of Business Administration from the University of Cincinnati, and is a Personal Investment Advisor (PIA). Outside of work, Michael enjoys hiking, music, reading, tennis, traveling, and spending time with his family. He and his family live along the Southern California coast near the Pacific.

William Best is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney for eight years before joining Raymond James in 2017. Outside of his advisory role, he is involved in operating a festival campsite presentation company, serves as a pastor for a religious organization, and pursues musical activities including songwriting and live performances. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm emphasizes tailored financial planning and non-discretionary consulting supported by extensive research and a variety of portfolio management styles.