Douglas Frazier is a CFP® professional with 27 years of industry experience. He is currently affiliated with LPL Financial and has worked with Pence Wealth Management since 2008. His prior experience includes roles at Citicorp Investment Services and Morgan Stanley DW Inc. In addition to his advisory work, he is associated with Woodleigh Wealth, a home-based, non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions supported by technology tools and a broad platform of affiliated financial services.

Donald Harrell is a CFP® with 33 years of experience in the financial industry. He joined LPL Financial in 2026 and previously worked at Morgan Stanley Private Bank and Morgan Stanley for 11 years, as well as Merrill, Banc of America Investment Services, and Citigroup Global Markets. He is also involved in a real estate business as a sole proprietor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a wide range of investment strategies supported by technology and operational tools.

Lucas Lounello is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel, he worked at Osaic Wealth and SABRE Financial Services. Outside of finance, he has experience operating a surf school. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Sean Smith is a financial advisor with Edward Jones in Dana Point, CA, holding a Series 66 designation and two years of industry experience. Before joining Edward Jones in 2023, he worked in various roles at companies including Instacart, Uber, DoorDash, and Templeogue. He has also been involved with 50 All Stars and S2 Jerseys Basketball Training. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions through a nationwide network of over 23,700 financial advisors.

Maria Reid is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 10 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2016 to 2018 before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Anthony Ross is a CFP® professional with 37 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC for seven years. He holds Series 63 and Series 65 licenses and is based in Newport Beach, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Jones is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2010. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients. The firm offers a range of managed account programs, discretionary portfolio management, and brokerage services, supported by integration with Bank of America affiliates and a focus on tax-efficient investment solutions.

Victor Davis is a Planning Consultant at the Newport Beach Investor Center, a role he has held since 2025. In this position, he works closely with clients to understand their financial goals, concerns, and pain points, assisting advisors in providing tailored guidance on topics including tax-efficient investing and protection strategies. Prior to his current role, Victor held several positions at Fidelity Investments, including Relationship Manager from 2022 to 2025, Financial Representative in 2022, and Investment Solutions Representative from 2021 to 2022. He also gained experience as a Credit Analyst at Goldman Sachs from 2020 to 2021, and completed summer analyst roles at Morgan Stanley in 2018 and Izar Capital in 2017. Victor holds a California Insurance License. Outside of his professional work, he has interests in comedy, hiking, military service, reading, running, and surfing.

Christine Telish is a CFA® charterholder with 25 years of industry experience. She is currently with Morgan Stanley in Newport Beach, CA, having been with the firm and its related entities since 2021. Prior to that, she worked at UBS Financial Services for nine years. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through its extensive network of financial advisors and specialized planning groups.

Donald Steepe is a financial advisor with Primerica Advisors in Mission Viejo, CA, holding Series 63 and Series 65 licenses and with 42 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1983. Outside of his advisory role, he is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Raymond Crandal is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 50 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. He is based in Newport Beach, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jai Dawson is a financial advisor at Stifel with a Series 66 designation and no prior industry experience. He has been with Stifel since 2022, with intermittent periods outside the industry. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment strategy that utilizes forward-looking capital market assumptions and probabilistic modeling.

Chase Metcalf is a financial advisor at Stifel with 10 years of industry experience and holds the Series 66 designation. He has been with Stifel since 2015 and was self-employed from 2010 to 2018. Outside of his advisory role, he serves as Vice President and board member of the Marbella Racquet Club homeowners association. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group, providing asset allocation and financial planning analyses for client decisions.

Neal Coleman is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a variety of advisory programs. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Betsy Wilde is a CFP® with 41 years of industry experience, currently affiliated with LPL Financial since 2025. Her prior experience includes 12 years at Western International Securities, Inc. and over three decades operating her own tax preparation and accounting practice. She also holds licenses in non-variable insurance and provides related services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions delivered through a large network of investment adviser representatives, supported by research, technology, and a broad suite of affiliated financial services.

Karin Jackman is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds a Series 66 credential and has been with UBS since 2014. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Corrine Lafollette is a financial advisor at OSAIC with 12 years of industry experience. She holds the Series 66 designation and has previously worked with Securities America Advisors and SECURITIES AMERICA, Inc. Lafollette serves as a board member of the San Clemente City Chamber of Commerce. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and corporate investors, offering a range of brokerage, advisory, and financial planning services through a large network of affiliated advisers and multiple platforms.

Derek Atkinson is a financial advisor at Fisher Investments with 10 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management across equity, fixed-income, and blended mandates, utilizing a centralized investment process that combines quantitative and qualitative research to construct globally diversified portfolios.

Caleb Lodge is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2014. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from Schwab Center for Financial Research.

David Treffry is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 20 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.