Michele Mendiola is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 18 years of experience at the firm. She has been with Morgan Stanley since 2008. Outside of her advisory work, her family manages the rental of a travel trailer through platforms such as RV Share and Outdoorsy. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides both direct client services and corporate financial planning agreements.

Sarah Javorsky is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked at several firms including Lexi Boza and Acceleron Law. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of investment structures and serves as an advisor to multiple registered investment companies.

Jake Kenny is a financial advisor with Charles Schwab based in Irvine, California. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Greystar, Specialty Restaurants Corporation, and Chipotle, as well as several years in 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides centralized custody and operational support.

Jay Le is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing personalized financial strategies to individuals, families, and institutional clients. Jay offers a comprehensive approach that integrates investment insights from Merrill and banking solutions from Bank of America to address various financial needs, including credit, cash management, and specialty financing. Jay's expertise encompasses complex financial planning, with client focus areas that include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning, philanthropic planning, and investment consulting for defined benefit and contribution plans. He holds multiple professional designations, such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), among others. He earned a Bachelor's Degree from HUFLIT and communicates fluently in Vietnamese and English. Jay is committed to community involvement and volunteers with organizations in his community. His personal interests include music, spending time with his family, and traveling.

Lily Yonamine is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and 14 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2000 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Householder is a Series 66-licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Bank of America, Merrill, and LPL Financial. 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Hai Phan is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 66 and Series 63 credentials and bringing 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Prior to that, he has been associated with Wells Fargo Bank NA since 2011. 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 approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute to support its diversified investment approach.

Constantine Koukos is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 35 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

James Kilgore is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, NA, UCLA Residential Life, and Lj & Associates. 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 to inform recommendations.

Mina Elraheb is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several major firms including Bank of America, Merrill, and JPMorgan Chase. 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 services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Timothy Chon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving Orange County's ultra-high net worth clientele as a partner on the Nam | Bernal Team for over ten years. His professional focus is on growing and preserving wealth through a commitment to integrity and a strong work ethic. Timothy's expertise includes college education planning, corporate benefits, divorce transition planning, employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from the California State University System and the Personal Investment Advisor (PIA) designation. An Orange County native, Timothy enjoys running marathons, camping, hiking, and spending time with his wife, Lesley.

Samuel Moore is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of his advisory role, he has had involvement with various business ventures including hospitality and apparel. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence, with an emphasis on ESG eligibility and a broad range of investment products.

Jenna Miramontes is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, she worked at Global Atlantic Distributors, LLC and held positions in insurance services and technology. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including tax-qualified charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Michael Dao is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Securities LLC for nine years before joining Wells Fargo in 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options among its offerings.

Justin Le is a financial advisor with Fidelity in Mission Viejo, CA. He holds a Series 66 designation and has been with Fidelity since 2026, following prior experience at Citibank. His career also includes work outside the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery with an emphasis on systematic methodologies and oversight controls.

Lauren Shepherd is a financial advisor with Wells Fargo Clearing in Laguna Beach, CA, holding a Series 66 designation. She has been with Wells Fargo Clearing since 2025 and has prior experience at the University of Southern California and local educational institutions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Thomas Marks II is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and over 30 years of industry experience. His prior work includes long tenures at New York Life Insurance Company and Nylife Securities Inc., as well as roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutions, offering financial planning, advisory, and brokerage services through a platform that integrates investment advice, insurance products, and lending programs.

William Rodgers is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His career includes extensive tenure with Avantax Advisory Services and its affiliated firms, as well as operating the William Rodgers Company, which provides tax preparation and accounting services. He also serves as successor trustee for several family trusts. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over 10,000 advisors managing assets exceeding $256 billion.

Garry Argueta is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses. He has experience working at several firms, including Northwestern Mutual and AAA Life, and has been with J.P. Morgan Securities since 2025. 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 broker-dealer and investment adviser registrations to deliver these services.

Antonio Aguilar is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 certifications. His prior roles include positions at Morgan Stanley and Vanguard. Outside of finance, Aguilar has experience as a contractor in the automotive and transportation sector through Ubereats. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering non-discretionary advice through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.