Douglas Palmer is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 66 designation and has previously worked at CitiGroup and Wells Fargo in various capacities. Palmer 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kabir Sivjee is a Financial Advisor specializing in helping individuals and families achieve their financial goals. He brings experience working with a diverse range of clients, from young professionals to retirees, and supports them in navigating the complexities of financial markets. Kabir’s areas of expertise include investment planning, retirement planning, estate planning services, and wealth management. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Kabir completed his high school education at Golestane Kabir. Outside of his professional role, he participates in community involvement with Junior Achievement of Central Maryland. His personal interests include biking, hiking, music, reading, running, swimming, traveling, and yoga.

Joseph Dimino is a financial advisor at Cetera with 26 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Avantax Advisory Services and Anthem Blue Cross as a health insurance agent. He is also a committee member of the State Bar of California Client Security Fund Commission, which provides restitution to victims of attorney theft. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and investment strategies.

Taron Defevers is a financial advisor with Fidelity Investments in Mission Viejo, CA. He holds the Series 66 designation and has been with Fidelity since 2026. Prior to entering the financial industry, he held positions related to theological education and church ministry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Jared Mott is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works as part of The Martin Group, serving families and businesses in the Orange County area by helping them plan for their goals and prepare for unexpected events. Jared’s approach involves establishing clear definitions of clients’ ideal retirement, business, and family goals, and then creating and actively updating a financial blueprint tailored to those objectives. He utilizes the extensive resources and specialists available through Merrill Lynch and Bank of America to develop comprehensive strategies that address each client’s unique circumstances. Since joining Merrill Lynch Wealth Management in 2011, Jared has focused on a wide range of client needs, including education planning, family wealth management, institutional investment consulting, personal retirement planning, philanthropic planning, tax minimization, and portfolio management services. He provides specialized guidance for pre-retirees, retirees, and business owners, assisting with retirement income, legacy planning, liquidity events, and business succession strategies while leveraging banking solutions and asset management tools. Jared holds a Bachelor of Arts degree in Business Economics from the University of California, Irvine. He has earned the Chartered Retirement Planning Counselor (CRPC®) designation and is recognized as a Personal Investment Advisor (PIA), certifications awarded by the College for Financial Planning Institutes Corp.

Courtney Ima is a financial advisor at Charles Schwab with Series 66 registration and one year of industry experience. Prior to joining Schwab, she held various roles including positions at Windes and NM Law, alongside periods of full-time education. Ima has also been involved with Orange County Executives and Networkers and Upside Down LA. Charles Schwab & Co., Inc. serves a large client base of 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 offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational infrastructure.

Lorraine Salinas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and possessing 37 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Tomlinson is a financial advisor with Stifel in Newport Beach, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory work, he is involved in the arts as an actor affiliated with the Screen Actors Guild and serves on the boards of Word Theatre and EST-LA, organizations focused on theatre and fundraising for causes such as Autism Speaks. Stifel serves a diverse range of clients including individuals, institutional investors, 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.

Joshua Jespersen is a Senior Financial Advisor with The JEMM Group at Merrill Lynch Wealth Management, where he has worked since 2006. In his role, he focuses on institutional asset management and consulting, serving both philanthropic organizations and a select group of individual investors. Joshua contributes to the team’s portfolio construction and maintenance processes, providing detailed analysis and explanation of portfolio results to help clients understand the impact of global market and economic trends on their investments. Joshua’s expertise includes education planning, family wealth management strategies, institutional consulting, and socially responsible investing, among other areas. He participates actively in client education through presentations at nonprofit board meetings and manages team support staff to ensure service models adapt to evolving client needs. His responsibilities also involve risk management coordination and leveraging the resources within Merrill Lynch Wealth Management. He holds a Bachelor's degree from Syracuse University and has earned multiple professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Joshua enjoys camping, hiking, music, reading, spending time with his family, and watching movies.

Dianne Mayne is a financial advisor at Edward Jones with 20 years of experience. She holds a Series 66 designation and is based in Laguna Hills, CA. Mayne has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Brian Henderson is a financial advisor with UBS Financial Services in Newport Beach, CA, holding Series 63 and Series 65 designations and having 44 years of industry experience. He has been with UBS Financial Services since 2001. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Conor Sullivan is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Bank of America, Fisher Investments, and Goldman Sachs. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Calderigi is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, Calderigi is involved in the fixed insurance and financial services sector through related business activities focused on insurance benefits and investment services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Steven Schwimmer is a financial advisor at Morgan Stanley with 45 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1988. 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 modeled outcomes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Marian Morcos is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 credential and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to that, he worked for DW Home (Decoreware) for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, employing structured discovery and firm-approved planning tools in its advisory approach.

Brandy Boyles Vazquez is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 19 years of industry experience. Prior to joining RBC in 2026, she worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2026. Outside of her advisory work, she is an independent contractor with doTERRA International, selling essential oils independently. RBC Wealth Management serves a broad client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ Advisory Risk Profiles.

Sean Oriotis is a financial advisor with LPL Financial in Newport Beach, CA. He holds the Series 66 designation and has experience working at firms including Goldman Sachs & Co. LLC and Ameriprise. Outside of finance, he has worked in various roles including at Chapman University and in pressure washing services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Daniel Neve is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2014, progressing through roles including Investment Consultant, Investment Solutions Representative, and Financial Representative Full Trader. In his role, Daniel partners with clients to develop clear and straightforward financial plans, whether starting from the beginning or refining existing finances. Daniel holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, he has interests in cars, motorcycles, pets, photography, scuba diving, and traveling.

Karen Yi is a financial advisor at Ameriprise in Buena Park, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Ameriprise, she worked at Activision Publishing for ten years. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Luis Orama Jr. is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at WELLS FARGO Advisors from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.