Saul Sandoval Franquez is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. His background also includes roles at Tesla, Starbucks Coffee Company, and California State University, Fullerton. 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 and third-party asset management, supported by a large network of investment adviser representatives and extensive operational resources.

Anouchka Balog is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process using proprietary tools and models client outcomes without providing individual security recommendations in its standalone planning service.

Ian Stock is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Patrick Capital Markets, Ultimus Fund Solutions, Lyrical Partners, and BlackRock Investment Management. Outside of his advisory work, he is registered as an ambassador for a health and wellness products company, Q Sciences, with limited involvement. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored portfolio strategies, employing both in-house and third-party investment managers and providing a variety of portfolio management and financial planning services.

Luka Vasiljevic is a financial advisor with Raymond James & Associates, holding a Series 66 designation and seven years of industry experience. Prior to joining Raymond James, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning and investment consulting services with a range of portfolio management styles.

Ellen Jampolsky is a CFP® and holds a Series 65 license with three years of industry experience. She is currently with Cambridge Investment Research Advisors, having joined in 2023. Her prior experience includes roles at GEM and Flexfire LEDs. She also works as a contractor at FutureNest. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages multi-billion dollar assets and offers a range of platforms and proprietary model strategies.

Bryce Mott is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Newport Beach, California. He began his financial advisory career in 2011 and uses the combined resources of Merrill Lynch Wealth Management and Bank of America to provide a comprehensive range of investment services. Bryce's expertise encompasses wealth management, college savings plans, retirement planning, life insurance, home and business financing, portfolio construction, and trust and estate planning. Bryce holds a bachelor's degree in Psychology from the University of Arizona, earned in 1997, and maintains FINRA Series 7 and 66 registrations as well as an insurance license. Additionally, he holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A California native, Bryce resides in Corona del Mar with his wife and two sons. He is actively involved in his community as a board member of both the Harbor View Dads and the Corona del Mar Residents Association. His personal interests include CrossFit training, coaching youth soccer, and participating in local running events. Bryce’s approach to wealth management centers on building long-term client relationships through disciplined strategies and attentive service.

Nicholas Mink is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and 66 licenses and bringing 12 years of industry experience. He has been with Morgan Stanley since 2015 and also works with Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is a partner in Mink Enterprises Inc, a snack company based in Mission Viejo, California. Morgan Stanley Wealth Management serves individual and institutional clients with 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 offers financial planning both directly and through corporate agreements.

Steve Schenk is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Renee Johnson is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Randal Ellis is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Securities America Advisors, Inc., SSN Advisory Inc., and Questar Asset Management, Inc. Ellis also assists clients with insurance products including life, annuities, and health insurance. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a range of managed account programs.

Melanie Anderson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she held roles at Escrow Options Group and U.S. Alliance Group, among others. She is also a California-licensed notary public. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in managing discretionary and non-discretionary accounts.

Susanna Pena Lund is a financial advisor with UBS Financial Services in Newport Beach, CA. She holds a Series 63 designation and has 31 years of industry experience, including 27 years with UBS. Outside of her advisory work, she is involved in making and selling crafts. UBS Financial Services serves individual, corporate, and institutional clients through a variety of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Todd Halbrook is a CFP® professional with over 31 years of experience in the financial industry. He is currently affiliated with RBC Capital Markets in Irvine, CA, and has previously worked at City National Bank, First Republic Investment Management, Wells Fargo Clearing, and Citigroup Global Markets. He serves on the advisory boards for Deans Advisory Board and the CIWM Paul Merage School of Business at the University of California, Irvine. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm provides a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Mason Limm is a financial advisor with LPL Financial in San Juan Capistrano, CA, holding Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Wells Fargo Bank and SchoolsFirst Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Leonard Whitehorn is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding Series 63, 65, and 66 licenses and 25 years of industry experience. His career includes multiple roles at J.P. Morgan and Wells Fargo, with ten years at JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process and a range of affiliated portfolio services.

Lisa Hallaian is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Her prior roles include positions at PGIM Investments LLC, Manulife Investment Management (US) LLC, and John Hancock Investment Management LLC. In addition to her advisory work, she serves as an independent insurance agent and assists business owners with R&D tax incentives as an independent contractor. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base, providing access to multiple platforms, unaffiliated third-party advisers, and proprietary model strategies.

Riley Wilson is a Series 66-licensed financial advisor at Charles Schwab with five years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2019. Outside of his advisory role, he holds a minority ownership in MTR Investments, LLC, a real estate company, without active involvement. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative investment program.

James Turner is a Series 66-registered financial advisor with Morgan Stanley in Newport Beach, CA, having six years of experience at the firm and two years in the industry overall. Prior to his current role, he worked at Morgan Stanley Private Bank, 24 Hour Fitness, Saddleback Unified School District, and So Cal Athletic. Outside of his advisory work, he coaches soccer at Orange Lutheran High School. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling to assist clients, offering a broad range of retail and institutional financial products.

Michael Scherer is a financial advisor with Merrill in Newport Beach, CA, holding Series 65 and Series 66 licenses and 23 years of industry experience. His prior work includes roles at Bank of America, Citigroup Global Markets, and Ameriprise. Outside of his advisory duties, Scherer assists with motorsports training as part of a sole proprietorship. Merrill provides managed account services through the Select Portfolio Solutions Program for a range of clients, including individuals, high-net-worth investors, and institutional accounts, utilizing model-based and discretionary investment strategies developed by internal and third-party managers.

Adriana Acosta is a financial advisor at Merrill with Series 65 and Series 63 licenses and eight years of industry experience. She has worked with Bank of America, N.A., BOFA Securities, Inc., and Merrill over her career. Adriana serves as a board member of Tech San Diego, a nonprofit focused on supporting the technology ecosystem in the San Diego area through talent development and networking initiatives. 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.