Steve Kwong is a Senior Financial Advisor at Merrill Lynch Wealth Management with over twenty years of experience in investment and wealth management. He advises a select group of clients, focusing on family business owners, entrepreneurs, real estate developers, corporate executives, non-profits, and professionals such as lawyers and accountants. His expertise includes portfolio management, wealth transfer, trust and estate planning, managing concentrated stock positions, corporate retirement plans, and advisory services on business sales. Before joining Merrill Lynch in 2008, Steve served high net worth clients at Credit Suisse, U.S. Trust Company (now Bank of America Private Bank), and helped establish Neuberger Berman's Newport Beach office. He also spent seven years in commercial banking with Wells Fargo, providing him with unique insights into the needs of business owners and executives. Steve holds a Bachelor's degree and an MBA from the University of Southern California's Marshall School of Business and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is active in professional organizations such as the Association of Corporate Growth and Provisors. Steve lives in Costa Mesa, California with his wife, Jill, and they have four adult children pursuing careers in business, military service, and academia. His community involvement includes participation in the Fellowship of Christian Athletes and volunteering for the American Cancer Society. Steve is committed to building long-term relationships with clients and providing customized wealth management and proactive financial advice.

Barbara Collette is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. She previously worked at Morgan Stanley, Merrill, D.A. Davidson & Co., and CUNA Brokerage Services. 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 portfolios, third-party asset management, and institutional platforms.

Kiavash Mastani is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Morgan Stanley and Harvey & Company LLC, as well as positions in academic settings at the University of California, Los Angeles, and Foothill College. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to diverse client types, including retail and institutional investors. The firm integrates proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios comprising mutual funds, ETFs, and ETPs.

Thomas Tedesco is a financial advisor at Edelman Financial Engines with eight years of industry experience. He holds a Series 65 designation and previously worked at Fisher Investments for ten years. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

Melissa Buchholz is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has served since 2014 following her internships at Merrill during college summers. She oversees relationship management, internal business operations, and the implementation of new client strategies. Melissa collaborates with her team to provide clients with personalized financial planning and investment management services. Melissa's expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, retirement planning, philanthropic planning, portfolio management, tax minimization, retirement income, and serving the financial needs of women and high-net-worth clients. She and her team leverage over 50 years of combined financial services experience to assist clients in developing flexible and meaningful financial strategies. A native of Orange County, Melissa earned her Bachelor's Degree in Sociology from the University of California, Santa Cruz. She holds the Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. Melissa lives in Huntington Beach and has been involved in her community, including co-chairing the Emerging Leaders program through Orange County United Way.

Janet Farfan Alvarado is a financial advisor at Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 66 licenses with six years of industry experience. She has previously worked at Wells Fargo Clearing and Wells Fargo Bank and has been involved with California State University Fullerton and Santa Ana College in recent years. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that combine both advisory and brokerage capabilities.

Gibran Le is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors, Inc. for nine years. He also serves as an agent offering fixed insurance products such as accident, disability, fixed and indexed annuities, long-term care, and traditional life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of portfolio management tools and third-party solutions.

Sean Davitt is a financial advisor with Morgan Stanley Wealth Management based in Newport Beach, CA. He holds a Series 66 designation and has four years of industry experience. His prior work history includes roles at New York Life Insurance Company and various positions related to fitness and real estate. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with a range of investment and planning resources available.

Jesse Nelson is the Vice President and Financial Consultant at Fidelity Investments, a position held since 2024. Jesse has been with Fidelity Investments since 2019, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Jesse holds a Masters of Science in Personal Financial Planning and is a Certified Financial Planner™. He works with individuals and families to develop personalized financial plans that align with their unique goals, values, and needs. Jesse is also licensed for insurance in California. Outside of his professional work, Jesse has interests in cars, fitness, food, outdoor adventures, traveling, and volunteering.

Mikola Efimenko is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Bank of America and Wells Fargo in various capacities since 2010. Outside of his advisory role, he is involved in a family-run graphic design business, Dream Design AI, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of individual and institutional clients.

Zachary Alario is a CFP® professional with 11 years of industry experience, currently serving at LPL Financial since 2025. He previously spent 10 years at Edward Jones. His other business activities include managing Fortitude Wealth ZTA LLC, an entity focused on tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of advisors and a broad suite of financial services.

Michael Giuntini is a financial advisor with UBS Financial Services in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services LLC and WELLS FARGO Advisors, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Jason Seitz is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses. He has two years of industry experience and has worked at Charles Schwab and Charles Schwab Bank, SSB since 2023. His prior work includes roles in various sectors and periods of full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jenna Burke is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. She has worked at Morgan Stanley since 2020 and previously held positions at Kohl’s from 2015 to 2020. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes through its Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Taylor Browman is a financial advisor at Stifel with 44 years of industry experience. He holds a Series 63 designation and has worked at Stifel since 2019. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to support its investment analysis and allocation guidance.

Daniel Stellini is a financial advisor at LPL Financial with five years of industry experience. Before joining LPL Financial in 2025, he worked for Edward Jones for four years and held various roles in the construction industry. 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 comprehensive financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and customized strategies across a range of investment options.

Wendy Fortenberry is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley and its Private Bank division since 2015, operating out of San Francisco, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Wolfgang Frisch is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2021. He serves on the advisory board of Fowler School of Law in Orange, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

William Cordray is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes 13 years at Scottrade, Inc., followed by roles at Wells Fargo Clearing and now Raymond James. 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, and municipal entities, offering financial planning and investment consulting through various specialized programs and an extensive affiliate network.

William Applegate is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Newport Beach, California. He founded his practice to serve clients with complex financial lives, including business owners approaching liquidity events, corporate executives with specialized compensation structures, and financially independent women managing significant wealth. Applegate's expertise encompasses executive compensation, equity compensation services, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income. His approach involves personalized financial planning tailored to clients' specific income structures and timelines, strategic guidance through financial milestones, family wealth, trust and estate strategies, and coordination with other professional advisors. He graduated from the University of Southern California with a Bachelor's Degree in Business Administration, emphasizing Finance. Applegate is also a member of the Kappa Sigma Fraternity and contributes to his community through involvement with the Hoag Hospital Blood Platelet Donor Program.