Yumi Hirata is the Vice President, Wealth Planner at Fidelity Investments, where she has served since 2018. In this role, she partners with select high net worth clients to understand their overall family wealth systems and develop flexible financial plans to support their long-term success. Prior to this position, she worked as a Financial Consultant at Fidelity Investments from 2017 to 2018 and at E*TRADE Financial from 2011 to 2017. Yumi holds a California Insurance License, which supports her ability to provide comprehensive financial advice. Outside of her professional responsibilities, she enjoys family activities, exploring culinary experiences as a foodie, visiting museums, snowboarding, and attending theater performances.

Michael Wagschal is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and over 23 years in the industry. He has been with Merrill since 2000. Outside of his advisory role, he is the general partner of Wags Instant Fantasy Sports Inc, a company developing a fantasy sports mobile application. 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, and institutions.

Rolando Lopez is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Newport Beach, California. Since joining Merrill in 2015, he has partnered with Gabe Pate to establish the PL Wealth Management Group. Rolando serves a select group of successful professionals, business owners, and retirees, providing tailored strategies that address their unique financial circumstances and long-term goals. With experience in the financial services industry dating back to 2013, Rolando takes a highly personalized approach, understanding each client's complete financial picture to develop customized strategies across investment management, retirement planning, estate and trust considerations, cash flow analysis, and other financial areas. His expertise encompasses college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and tax minimization. Rolando earned a Bachelor of Arts in Business Administration with a concentration in Finance from California State University, Fullerton, emphasizing investment and financial planning. He holds FINRA Series 7, 6, 63, and 66 registrations, life and health insurance licenses, and designations including Chartered Financial Consultant (ChFC), Retirement Accredited Financial Advisor (RAFA), and Certified Plan Fiduciary Advisor (CPFA). An Orange County native, he resides in Fountain Valley with his wife, Makenna, their two sons, Luca and Levi, and their dogs. Outside of his professional work, Rolando enjoys spending time with his family, engaging in adventure sports, camping, golfing, soccer, and traveling. He is also involved with the Make-A-Wish Foundation in Orange County.

Gregery Lee Jr. is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab Bank and Charles Schwab in 2023, he held a role in sports information at Fredonia State in 2023. Charles Schwab serves a large client base, 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 SMAs and offers a multi-asset investment approach supported by the Schwab Center for Financial Research.

James Okeefe is a financial advisor at Cetera with 37 years of industry experience. He holds a Series 63 designation and has been associated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory work, he has volunteered for the IRS Volunteer Income Tax Assistance program, helping low-income taxpayers prepare simple tax returns. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that provides access to both affiliated and third-party money managers.

Alexander Baer is a Senior Financial Advisor and partner at The Baer Group, Merrill Lynch Wealth Management in Pasadena, California. He serves a diverse clientele that includes families, individuals, and successful business owners. With over 30 years of combined industry experience within the team, Alexander specializes in developing flexible goals-based financial strategies for both short and long-term objectives. He provides clients with access to Merrill's investment insights and Bank of America's banking and lending solutions to address various aspects of their financial lives. Alexander's comprehensive approach begins with understanding the client and their family's financial situation and priorities. Services he focuses on include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Alexander earned a Bachelor's Degree from Pepperdine University. Outside of his professional role, Alexander enjoys an active lifestyle with interests in adventure sports, baseball, basketball, chess, football, golfing, hiking, music, volleyball, and spending time with his family. He is engaged in his community through participation in organizations such as the Pacific Coast Baseball League, Pepperdine University Alumni, Posse Foundation, Sigma Phi Epsilon Fraternity, and Southern California Golf Association.

Carol Wong is a financial advisor at Merrill with Series 63 and Series 65 credentials. She has worked in the financial industry since 2021, including prior experience at Bank of America and Process One Services. Her current role is based in Newport Beach, CA. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Eastwood is a financial advisor with Raymond James & Associates in Irvine, CA, holding a Series 66 license and 18 years of industry experience. His prior roles include ten years at Wells Fargo Clearing and one year at Ameriprise. 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 broad client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

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.

Brian Gooding is a Series 66-credentialed financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2010 and serves on the Board of Directors at Harbor Day School, where he is also a member of the audit and compensation committees. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based strategies with institutional trading capabilities and wealth management services.

Peter Christenson is a financial advisor with Ameriprise in Brea, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he works as an adjunct math instructor at Cypress College. Ameriprise provides a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver annual, personalized recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

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.

Antony Garcia is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked at Raymond James in various capacities since 2015, including at LPL Financial from 2022 to 2023. 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 clientele including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by extensive research and a variety of portfolio management styles.

Patrick Gracin is a financial advisor with Wells Fargo Clearing in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior experience includes roles at Banc of America Investment Services and Quick & Reilly. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Floyd Schwartz is a financial advisor with Raymond James Financial in Newport Beach, CA, holding CFP® and ChFC® designations and over 39 years of industry experience. Prior to joining Raymond James in 2022, he spent nine years at Wells Fargo Advisors. He also serves as CEO and President of Newport Beach Wealth Management and TJT Financial Services, where he manages business and financial planning activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical modeling and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Robert Householder is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, and LPL Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s non-discretionary advisory program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process and incorporating ESG considerations.

John Breen is a financial advisor with Ameriprise in Corona, CA, holding Series 63 and Series 65 designations and possessing 31 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise offers a retirement-income planning service focused on clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide annual, non-discretionary recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of large institutional firms.

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.

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.