Aziz Ihani is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Ryan Neville is a CFP® with 18 years of industry experience, currently with J.P. Morgan Securities where he has worked since 2012. He also held a position at Wamu Investments Inc from 2008 to 2018. Outside of his advisory role, Neville works as a model and independent contractor for a family lifestyle and modeling agency. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Alexander Ripps is a financial advisor at Fidelity with a Series 66 credential and experience in the legal and wealth management fields dating back to 2016. His prior roles include positions at Falcon, Rappaport & Berkman LLP and operating his own law office. Outside of his advisory work, he is involved as an owner and officer in several holding companies. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and its use of AI and systematic methodologies in its investment process.

Tracey Dewane is a financial advisor with Raymond James Financial Services Advisors, Inc. in Newport Beach, CA, holding a Series 63 designation and bringing 34 years of industry experience. She has been with Raymond James since 2004 and is a part owner of Dewane Investment Strategies. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, institutional, and corporate clients, offering non-discretionary services tailored to client goals and supported by analytical tools and advisory programs.

Eric Ludvigsen is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has worked at OSAIC since 2024, previously serving at Securities America Advisors, Inc. and Ssn Advisory, Inc. Additionally, he works as an insurance agent, assisting clients with products such as term life, whole life, indexed universal life, and fixed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using firm-provided asset-allocation tools and automated rebalancing to manage diversified portfolios.

Vincent Bruno II is a financial professional with 27 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 designations and has worked at firms including Painewebber and Avantax in various advisory and insurance roles. He serves as an elected board member of the Campobello Homeowners Association in Newport Beach, CA. Cetera Investment Advisers LLC serves a broad client base ranging from individuals to institutional investors, offering a range of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary program options.

Andrew Apple is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2011. 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, pension plans, corporations, and charitable organizations.

Mark Merryfield is a financial advisor at Stifel with 47 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Stifel Nicolaus & Co Inc. since 2009. Outside of his advisory role, he serves as a board member of California Family Life Centers, a charity focused on children at risk. Stifel serves a wide range of clients, including individuals, institutions, and nonprofit organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Gunjan Nanda is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is involved in managing a rental property in Freeport, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Michael Tudor is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and was previously with Morgan Stanley Private Bank, National Association from 2015 to 2019. Outside of his advisory role, he owns a rental property in Mammoth Lakes, California. 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 advisory process 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.

Noe Leon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and six years of industry experience. He has worked at firms including Charles Schwab, Fidelity Investments, JPMorgan Chase Bank, and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Horacio Miranda is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Miranda serves as a board member for the Roman Catholic Diocese of Phoenix Investment Management Committee and Arizona Talks, a nonprofit focused on fostering civil dialogue in Arizona. Merrill, along 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.

Linda Lyons is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 21 years before joining Wells Fargo in 2021. Lyons serves as treasurer for Soroptimist International of Huntington Beach, a community organization involved in fundraising and local activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Ashley Berecz is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. She holds a Series 66 designation and has prior experience in executive search and various roles outside the financial industry. Berecz is also a commissioned California Public Notary. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm utilizes asset-allocation tools and third-party solutions to construct and manage portfolios across a broad range of investment vehicles.

Trevor Morgan is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services Inc. for nine years. Outside of his advisory work, he is also the sole proprietor of a music-related business. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including comprehensive financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced financial modeling tools.

Rita Garchie is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies. The firm uses structured planning tools and modeling techniques to support client goals while generally acting in an advisory capacity.

Veronica Kuznetsov is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. Her work history includes roles at various Cetera entities since 2022 and prior experience at HOFFSKI, PISANO AND CO, CPAs and LPL Financial. She also provides bookkeeping services to small business owners outside of her advisory role. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party managers, supporting various program structures and investment strategies.

Katherine Dixon is a financial advisor at Equitable Advisors with one year of industry experience. Prior to her advisory role, she worked in the retail sector with companies including Vans, VF Corporation, and Forever 21. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through program sponsors and endorsed third-party managers.

Adam Zedan is a Certified Financial Planner (CFP®) with 20 years of industry experience. He is currently with Charles Schwab in Newport Beach, CA, where he has worked since 2018. Prior to that, he was with Fidelity Investments and Fidelity Personal and Workplace Advisors from 2010 to 2018. Charles Schwab & Co., Inc. serves 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 options supported by centralized custody, brokerage, and alternative investment capabilities.

Winona Livingston is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with 11 years of industry experience. She has worked at Morgan Stanley since 2019, previously serving at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs for individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools combined with firm-approved methodologies to support its advisory services.