Mitchell Behm is a Wealth Management Advisor at Merrill Lynch Wealth Management and serves as a Senior Portfolio Manager. He is part of Merrill's Institutional Consulting practice, providing tailored investment consulting services to diverse institutional clients, including endowments, foundations, non-profits, defined benefit plans, and defined contribution plans. His work involves discretionary management of personalized investment strategies which may include individual securities, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. With a career in financial services beginning in 1985 and joining Merrill Lynch in 1988, Mitch has over three decades of experience working with sophisticated institutions in areas such as cash management, investing, and financing of both qualified and non-qualified benefit plans. He holds the Certified Investment Management Analyst (CIMA) designation as well as the Personal Investment Advisor (PIA) designation. Mitch earned his bachelor's degree from the State University of New York at Stony Brook. Mitch and his team focus on delivering institutional-quality investment and wealth management services to both institutional clients and select families. His approach integrates expertise across Merrill Lynch Wealth Management and Bank of America to provide consulting in investment policies, asset allocation, manager selection, and performance evaluation. Outside of work, Mitch enjoys antiquing, baseball, gardening, reading, and spending time with his family.

Steven Bernardy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1997. He manages the Santa Ana office and focuses on helping clients determine and implement long-term financial and wealth management strategies, with particular attention to estate planning in coordination with clients' other advisors. Steven's client focus areas include education planning, legacy planning, personal retirement planning, and retirement income. Steven graduated with a Bachelor's Degree in Economics from UCLA in 1983 and began his career as a financial advisor that same year. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory work, Steven has taught investment courses for over 15 years at local community colleges. Outside of his professional role, Steven has been involved with charitable organizations such as Olive Crest, which provides homes and services for abused children. He lives in North Tustin with his wife, Suzanne, and enjoys playing hockey, tennis, pickleball, and golf.

Christopher Bevans is a financial advisor with Wells Fargo Advisors in Irvine, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Advisors since 2022 and previously held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Bevans owns and manages investment-related entities in Newport Beach, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services, offering a comprehensive range of planning options and integrating advisory services with other financial products and referral channels.

Gregory Zappas is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at J.P. Morgan Securities, First Republic Investment Management, and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with various advisory programs, including tailored financial planning supported by firm-approved tools and models.

Donald Oliver Jr. is a financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Masimo Corporation for two years and HireRight, Inc. for thirteen years. He holds Series 63 and Series 66 designations and is based in Ladera Ranch, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors and offers a range of advisory strategies under a fiduciary standard.

Alan Watts is a financial advisor with Wells Fargo Advisors in Irvine, CA. He holds the CFP® designation and has 25 years of industry experience, including prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in aviation, owning and operating a jet charter business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm uses proprietary research and planning tools to develop personalized recommendations and provides access to various specialty planning services.

Annie Naghavi is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She joined Fidelity in 2021 and has progressively advanced through roles including Planning Consultant and Financial Consultant. Prior to her tenure at Fidelity, Annie worked as a Financial Advisor at LPL Financial from 2019 to 2021 and at Ameriprise Financial from 2013 to 2019. Annie holds a Master of Science in Personal Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ professional. She is licensed with a California Insurance License. Her approach emphasizes understanding her clients' unique circumstances to develop customized financial plans. Outside of her professional work, Annie's personal interests include beach activities, family activities, reading, running, traveling, and volunteering.

Jennifer Uy is a financial advisor with Raymond James & Associates in Irvine, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at UBS Financial Services for 17 years before joining Raymond James in 2024. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, pension plans, charitable organizations, and government entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Graham Okelly is a financial advisor with RBC Capital Markets and holds a Series 66 designation. He has 25 years of industry experience, with prior roles at City National Bank, Morgan Stanley Private Bank, Morgan Stanley & Co., and J.P. Morgan Securities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs providing portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s Advisory Risk Profile.

Paul Helfman is a financial advisor with Cetera Wealth Services LLC and Cetera, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His prior roles include leadership at Helfman, Davis & Clanton CPAs and Roadmap Wealth Management. He is also active as a trustee for multiple trusts, administering assets and managing distributions in fiduciary capacities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients nationwide. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with a range of customizable investment strategies and oversight structures.

Rachel Keable is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. She has worked at Fidelity Investments since 2024 and previously held roles outside the financial industry, including positions with the Northwest ISD Education Foundation and O'Reilly Hospitality Management. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and the delivery of model portfolios. The firm employs a systematic investment approach that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Brian Stewart is a financial advisor at Wells Fargo Advisors with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Advisors since 2013. Outside of his advisory role, he owns Brian Stewart Consulting, LLC, an investment-related business based in Lake Forest, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a broad suite of planning options. The firm combines research, planning tools, and varied financial product offerings to deliver tailored recommendations and integrated solutions.

Frank Uxa is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. His prior firms include Morgan Stanley and Wells Fargo, where he worked for 4 and 11 years respectively, along with several shorter tenures at firms such as Northwestern Mutual and Thrivent Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm offers a range of portfolio management options and financial planning services, supported by a large network of investment adviser representatives and advanced operational tools.

Logan Sandhu is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation. Prior to joining J.P. Morgan Securities in 2025, he worked at MA Mutual Life Insurance Company and Mass Mutual Investors Services from 2024 to 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating both quantitative and qualitative research.

Xavier Manrique is a financial advisor at Merrill with Series 65 and Series 63 licenses and three years of industry experience. Prior to joining Merrill in 2025, he worked at Crossfirst Bank/Busey Bank and BOFA Securities, Inc., and spent over two decades at Wells Fargo Bank. Outside of his advising role, he serves as an instructor guide for a finance course through a joint venture between Catholic University of America and Pima Community College, and holds board positions with the Tucson High Badger Foundation and the YMCA of Southern Arizona. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Michael Jalaty is a Senior Financial Advisor and Managing Director at Merrill, where he has built a career dedicated to delivering measurable value to his clients. With over two decades of experience in banking and wealth management, Michael focuses on helping clients simplify their financial lives, regain capacity and time, and pursue their specific financial goals. He has been with Bank of America since 1999 and began his role as a Financial Advisor in 2004. Michael's expertise spans long-term strategy, business and succession planning, pre- and post-liquidity event strategies, executive compensation, wealth transfer, and access to credit through Bank of America. Serving an accomplished clientele, he aims to unify and reconcile multiple aspects of clients’ financial lives to reveal a more efficient whole. He is a Personal Investment Advisor (PIA) and prioritizes a service-oriented approach, emphasizing commitment to clients and their families. Michael was born and raised in Irvine, California, where he currently lives with his wife and two daughters. Outside of his professional responsibilities, he enjoys spending time with his family, going to the beach, and riding bikes. He holds a High School Diploma from Woodbridge High School.

Margarita Munoz is a financial advisor at Merrill with 28 years of industry experience. She has been with Merrill since 1990 and holds Series 63 and Series 66 licenses. 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.

Heather Searl is a financial advisor with OSAIC and holds a Series 66 designation. She has six years of industry experience, including five years at Lincoln Financial Advisors before joining OSAIC in 2025. In addition to her advisory role, she serves as a practice manager and financial planner at Oakwood Wealth Partners, where she manages administrative responsibilities and supports team operations. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization supported by various analytical tools and multiple investment programs.

Yvette Juarez is a financial advisor at Morgan Stanley with 29 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously spent 18 years at Citigroup Global Markets. Outside of her advisory work, she operates a retail and online clothing merchandise business through drop shipping platforms. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Matthew Little is a financial advisor at Merrill with a Series 66 designation and approximately one year of experience at the firm. His prior roles include positions at PMD Management & Realty and involvement with the Regents of the University of Colorado and the University of Colorado at Boulder. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.