Carlos Mendoza is a financial advisor at Ameriprise with a Series 66 designation and four years of experience, including three years at Wells Fargo prior to joining Ameriprise. He has worked in other industries before entering financial services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning. The firm emphasizes dependable income sources and tax-aware withdrawal strategies, with investment recommendations supported by proprietary research and third-party data.

Andrew Chatham is a financial advisor with LPL Financial in San Clemente, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2016 and operates a small sticker and T-shirt business outside of his advisory practice. 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 financial planning and advisory programs, with discretionary and non-discretionary management, as well as access to model portfolios, research, and various support services.

Margarita San Juan is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with high net worth families, often in partnership with their other advisors, to provide well thought out advice, guidance, and service across all aspects of their financial lives. Her approach involves total wealth care to address clients' comprehensive financial needs. Since beginning her career in financial services in 1996, Margarita has developed expertise in areas such as college education planning, family wealth management strategies, retirement income, legacy planning, and investment consulting for defined contribution plans. She is dedicated to helping clients achieve their financial goals through a consultative process and fostering long-term client relationships that often extend across generations. Margarita holds dual bachelor's degrees from the University of California, Irvine, earned in 2004. She has attained multiple professional designations, including Certified Private Wealth Advisor®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor, Certified Exit Planning Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. Additionally, she has attended executive education programs at Harvard Business School and Yale School of Management. Outside of her professional work, Margarita is involved with Harbor Day School and the Newport Hills Swim Team, where she contributes as a volunteer. Her personal interests include spending time with her family, swimming, traveling, and watching movies.

Dylan Wong is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank and Northwestern Mutual, as well as a brief period at The Ritz-Carlton Hotel Company. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Per Bakken is a financial advisor with Morgan Stanley, holding a Series 66 credential and 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Tara Santora is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 designations and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment solutions.

J Douglas Moran is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has served as a financial advisor for 28 years. He works with clients on comprehensive wealth management strategies that address both short-term and long-term financial objectives. His client-focused approach is supported by a skilled team, with offices on both the East and West Coasts, enabling full accessibility for clients. Doug's expertise includes multigenerational wealth management, estate planning services, trust resources through Bank of America, college education planning, corporate executive services, and socially responsible investing, among other areas. His professional designations include Personal Investment Advisor (PIA), and he holds FINRA registrations Series 7, 63, and 65. Prior to his career at Merrill Lynch, he earned a High School Diploma from Episcopal Academy and a Bachelor's Degree from Providence College. Doug divides his time between his offices in Wayne, Pennsylvania, and Newport Beach, California. His personal interests include biking, hiking, reading, spending time with family, tennis, traveling, and yoga. He is also involved with The Laguna Ocean Foundation.

Norannsy Chieuchin is a financial advisor at Ameriprise with 12 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate since 2013. Outside of her advisory role, she serves on the boards of Project Angkor, a nonprofit medical mission, and Cambodian Family. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Norbert Garcia is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior roles include positions at Transamerica Financial Advisors, Inc., TGL Holdings, LLC, and World Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and retirement plan consulting, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Michael Kalter is a Financial Consultant currently working at Fidelity Investments since 2024. He has previously held roles as a Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2024, Branch Manager positions at TD Ameritrade from 2018 to 2021 and Scottrade Inc. from 2016 to 2018, as well as serving as an Investment Consultant at Scottrade Inc. from 2012 to 2016. His career spans various roles in financial consulting and branch management. Michael holds a California Insurance License and brings extensive experience in investment consulting and financial advisory services. He and his team provide resources to help clients succeed financially and ensure they have a positive experience. Outside of his professional work, Michael enjoys spending time at the beach, engaging in family activities, and has interests in food, football, and soccer.

Luis Quiroga is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at JPMorgan Chase Bank, N.A. and Bank of America/Merrill Lynch. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Richard Donovan is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2009 and Bank of America, N.A. since 2010. 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 and profit-sharing plans, corporations, and charitable organizations.

Hon Lo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He has been part of Fidelity Investments since 2000, beginning his career as an Investment Representative and progressing to Account Executive before his current role. He works closely with clients to understand their financial concerns and goals, and collaborates with them to develop tailored investment and financial planning strategies using Fidelity's offerings. Hon has been involved in the financial services industry since graduating from college. He holds a California Insurance License, which supports his work in providing comprehensive financial advice and planning.

Marc Arcidiacono is a CFP®-certified financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he is a sole owner of a rental property in Carlsbad, California. 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Wuest is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America and Wells Fargo. Outside of finance, he has experience in martial arts training through Krav Maga of Orange County. 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, and institutions.

Anthony Adelizi is a financial advisor with Charles Schwab in Aliso Viejo, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at TD Ameritrade and Fidelity Investments Institutional Services. Outside of his advisory work, he co-owns a travel advising business called Adelizi Adventures, assisting clients with booking travel accommodations and activities. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management with a multi-asset model portfolio approach supported by centralized custody and operational services.

Stephen Shin is a financial advisor at RBC Capital Markets with 34 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining RBC in 2022, he worked at Morgan Stanley and its related entities from 2014 to 2022. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering tailored investment advisory and financial planning services through a range of programs and investment managers.

Trent Sadler is a Series 65-licensed financial advisor at Edelman Financial Engines with three years of industry experience. He previously worked at Dynamic Wealth Advisors and Stansberry Asset Management, and has a background that includes a role at Santa Clara University. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of discretionary and non-discretionary investment solutions supported by a committee-driven modeling process and online tools, managing approximately $326 billion for roughly 477,000 clients.

Dorothy Litos is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. She has been with 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 developed by internal and third-party managers for a diverse range of clients including individuals, high-net-worth clients, pension plans, and corporations.

Heidi Leu is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Merrill since 2012 and concurrently associated with Bank of America since 2013. Outside of her advisory role, she owns a business unrelated to investment activities. 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. The firm offers both model-based and discretionary investment strategies and serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.