Greg Pitcher is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets from 2005 to 2009. Outside of his advisory role, he owns and manages Pitcher Pandemonium, a property management and real estate business in Mammoth Lakes, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various channels including its Financial Advisors and Estate Planning Strategies Group.

Richard Ward is a CFP® with 47 years of industry experience, currently serving as a financial advisor at Stifel since 2012. His professional affiliations include memberships and board roles with several nonprofit organizations focused on philanthropy and community engagement, such as Advisors in Philanthropy Orange County Chapter and OneOC. He is also the author of the self-published book *Redefining Retirement* and is involved in organizing educational events that promote community involvement. Stifel serves a diverse client base including individual, institutional, and charitable clients, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides a range of fee-based financial planning and asset allocation services tailored to client needs.

Ashley Lyne is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise, Ashley held positions at The Ups Store and spent time at Durham University and La Salle University. Outside of financial advising, Ashley is involved with The Ups Store. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Erik Heimstaedt is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing for ten years. Outside of his advisory role, he is involved in managing a rental property in Newport Beach, CA. 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 employs research and analytics to evaluate investment options and provides both brokerage and advisory solutions at a large scale.

Joseph Mccullough Jr. is a financial advisor with Charles Schwab in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab since 2006 and Charles Schwab Bank, SSB since 2011. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab Center for Financial Research due diligence.

Timothy Werth is a financial advisor at Edward Jones with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.

Alexandria Lopez is a financial advisor with Osaic, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at LPL Financial LLC, South Orange County Financial Planning, and various companies in the beauty and retail sectors such as ILIA Beauty and Charlotte Tilbury Inc. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.

Sergio Soto is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Merrill, Bank of America, and MUFG Union Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages roughly $671 billion in assets through a network of more than 14,000 advisors and employs research-driven investment strategies grounded in diversification and modern portfolio theory.

Kevin Bonner is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill since 2018 and Bank of America, N.A. since 2025, along with prior experience in contracting at Dan Spain Contracting. 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 plans, corporations, and charitable organizations.

Jack Fierro is a financial advisor at RBC Capital Markets with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Citigroup, Aaron Capital, Wells Fargo Advisors, and Irfan Consultancy. He also attended Carnegie Mellon University from 2019 to 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside extensive capital-markets capabilities.

Mark Chew is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Prior to that, he was with Citigroup Global Markets from 2007 to 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Lorraine Boris is a financial advisor with J.P. Morgan Securities in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and having 13 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. Outside of her advisory role, she serves as a board member of a local Parent Teacher Association. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and a centralized due-diligence framework.

William Lewallen II is a Series 66-licensed financial advisor with one year of industry experience, currently with Equitable Advisors in Irvine, CA. His prior work includes roles at Varis, SADA, and Microsoft Corporation. He serves as a trustee for the Lewallen Living Trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm employs a range of advisory programs and third-party asset managers to tailor investment solutions to client needs.

Jennifer Ahern is a financial advisor at LPL Financial in Irvine, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. She has been with LPL Financial since 2002 and previously worked at Citigroup Global Markets from 1999 to 2002. Outside of her advisory role, Ahern serves as president of the charity Opportunities for Orphans. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, trust companies, and other institutions.

Joseph Halder is a financial advisor with Mass Mutual Investors Services in Santa Ana, CA, holding the ChFC® designation and Series 63 and 65 licenses. He has 32 years of industry experience and has been with MassMutual and its affiliated firms since 1987. He serves on the board of directors for St. Lucy's Priory High School, an all-girls Catholic high school. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers tailored financial planning using advanced analytical tools and event-driven planning programs, including estate and employer-sponsored planning.

Ryan Flynn is a financial advisor at LPL Enterprise with 20 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Prudential Insurance Company of America, Pruco Securities, Edward Jones, J.P. Morgan Securities, and other firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Jana Feathers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2014 to 2016, with a total of 16 years at Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options in its investment menus and acts as an ERISA fiduciary when providing investment advice.

James Fonville Jr. is a CFP® professional with eight years of industry experience, currently advising at Cetera. His prior roles include positions at Schwab Wealth Advisory, Charles Schwab bank, and Charles Schwab & Co., Inc. based in Newport Beach, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options including discretionary and non-discretionary strategies, model portfolios, and access to third-party money managers.

Tess Buenaventura is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., and TD Ameritrade. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Jay Mitchell is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 2006. He focuses on helping clients identify and prioritize their financial goals, including estate planning, wealth transfer, tax minimization strategies, and retirement income. Jay develops customized strategies tailored to each client's unique circumstances and preferences. His expertise extends to managing both qualified and non-qualified employee benefit plans, cash management, customized investment management, and financing services through Bank of America, N.A. He also provides consulting and servicing for institutional clients such as non-profits, foundations, and endowments, with attention to corporate balance sheets to create efficiencies and improve existing practices. Jay graduated cum laude from National University in 2014 with a bachelor's degree in Finance. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to his finance career, he graduated from Musicians Institute in 2004 with an emphasis on composition and production. Outside of his professional role, Jay is active in his synagogue community, having served as Co-President of the congregation Brotherhood. He enjoys playing golf and spending time with his wife, Stephanie, and their two daughters.