Jake Sine is a financial advisor at Morgan Stanley in Newport Beach, CA, with six years of industry experience. He previously worked at The Vanguard Group for five years before joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Lloyd Wei is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Financial Consultant I at Fidelity Investments from 2024 to 2025, and was Vice President at Sunstone Management from 2018 to 2024. He holds a California Insurance License. Lloyd focuses on building strong, lasting relationships with clients by understanding their individual goals and creating personalized financial strategies that adapt over time. He provides clear, actionable guidance and serves as a reliable partner throughout his clients' financial journeys. Outside of his professional work, Lloyd has interests in art, fitness, hiking, museums, parenthood, and soccer.

Francesca Silvestro is a financial advisor at OSAIC with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked with OSAIC since 2018. Outside of her advisory role, she is involved in a family insurance business that she plans to take over through succession. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage a wide range of investment portfolios.

Rita Kikawa is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Crispina Renteria is a financial advisor at Morgan Stanley in Newport Beach, CA, with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 1992. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, 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.

Lay Phang Cheong is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A., Bank of America, N.A., and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Alisha Randall is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates closely with Wealth Management Advisors and the team to coordinate and implement comprehensive financial planning strategies. She focuses on delivering personalized guidance and service to support clients and their families throughout life. Her professional experience includes roles at Fidelity Investments since 2021, progressing from Planning Consultant to Financial Consultant, and currently serving as a Wealth Management Planning Consultant since 2025. Prior to joining Fidelity, she worked as a Financial Advisor and Financial Advisor Trainee at Edward Jones from 2019 to 2021. Alisha holds a California Insurance License. Outside of her professional work, she enjoys biking, outdoor adventures, running, scuba diving, skiing, and yoga.

Timothy Skelly is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, Skelly is a partner in El.Skel Enterprises LLC, which focuses on music, art, and fashion, and serves as a guest lecturer on fiduciary education and investment management topics at the Investments & Wealth Institute. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services including tailored financial planning and estate strategies.

Dwayne Peltier is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James & Associates since 2009. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services through a broad network of advisers and affiliated resources.

Jessie Hall is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Citigroup for 13 years before joining Merrill. Outside of her advisory role, she is the owner of CJH Investments LLC, a company established to hold rental real estate. 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 strategies for individuals, high-net-worth clients, and institutions.

Sophia Oh Nguyen is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Her career includes multiple tenures at Morgan Stanley, as well as roles at UBS Financial Services, Wells Fargo Clearing, Woodbury Financial Services, and San Diego Capital. Morgan Stanley Wealth Management provides a wide range of advisory programs for 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 offers services that incorporate structured planning processes without providing individual security recommendations as part of their standalone financial planning.

Jaime Gomez Hernandez is a financial advisor with LPL Financial in San Clemente, CA, holding Series 63 and Series 65 credentials and six years of industry experience. He previously worked with Transamerica Financial Advisors, Inc. and has been involved with nonprofit work as a financial literacy facilitator for The Right Way Foundation, conducting workshops for foster youth. 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.

Tanner Harris is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with individuals, families, and business owners to provide clarity and confidence in their financial lives through personalized and disciplined planning. His focus areas include investment management, retirement planning, wealth preservation, risk management, and legacy considerations. Tanner employs a comprehensive, planning-based approach to help clients simplify financial complexity and align their resources with their goals. He is experienced in assisting clients through various financial decisions and life stages, including retirement preparation, major life transitions, and wealth transfer strategies. His client base includes busy professionals, retirees, business owners, and multigenerational families seeking long-term advisory relationships. He holds a Bachelor of Science degree in Business Administration with an emphasis in Finance from Chapman University. Tanner has earned the Certified Divorce Financial Analyst (CDFA) designation and is registered as a Personal Investment Advisor (PIA).

Mark Tober is a financial advisor with LPL Financial in San Clemente, CA, holding a Series 63 designation and 39 years of industry experience. He has been with LPL Financial since 1994. Outside of his advisory work, he is a certified NRA pistol instructor. 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 solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing technology tools.

Morgan Strnad is a Series 66-credentialed financial advisor with Morgan Stanley in Laguna Niguel, CA, bringing three years of industry experience. Prior to joining Morgan Stanley, Strnad held positions at Nordstrom and worked in educational and healthcare-related roles. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools but generally acts in an advisory capacity without providing individual security recommendations in standalone plans.

Ryan Niswander is a financial advisor with J.P. Morgan Securities in Los Angeles, holding Series 63 and Series 66 designations and seven years of industry experience. His prior experience includes roles at Goldman Sachs & Co. LLC, Prince Perelson, Veterans First Mortgage, and California State University. He is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of bank products and services alongside securities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Matthew Deweese is a financial advisor with Raymond James Financial in San Juan Capistrano, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Raymond James Financial since 2009 and with Raymond James Financial Services since 2003. Deweese is also president of DeWeese Financial Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools to support client goals and maintains specialized programs for municipal finance and employer SIMPLE IRA consulting.

Catherine Conway is a financial advisor at UBS Financial Services with two years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked with UBS Securities LLC and Demboski & Chapman Financial Services and Insurance Inc. 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.

Justin Nahoul is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and First Allied Securities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ahmed Namoury is a financial advisor with Equitable Advisors in Monarch Beach, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Equitable Advisors since 2012 and was previously associated with Axa Advisors, LLC. Equitable Advisors serves a broad client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and emphasizes matching clients to advisory models or discretionary managers, often using third-party program sponsors.