Thomas Sim is a financial advisor at LPL Financial with 32 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2024, he worked for Lincoln Financial Securities Corporation for 16 years. In addition to his advisory role, Sim is involved in insurance sales through TMC Wealth, focusing on products such as universal life, whole life, disability, long-term care, and group health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Tammi Boyd is a Series 66-licensed financial advisor with 26 years of industry experience. She is currently with Raymond James & Associates, where she has worked since 2023. Prior to that, she held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles supported by affiliated research and model managers.

Patrick Enriquez is a financial advisor with Equitable Advisors in Newport Beach, CA, holding a Series 66 designation and 26 years of industry experience. Prior to joining Equitable Advisors in 2026, he worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined 17 years. Outside of his advisory role, Enriquez owns and operates Enriquez Capital, an investment-related business, and is involved in a wholesale car dealer business. 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 through LPL-sponsored programs and endorsed TAMPs to provide advisory and brokerage solutions.

Jennifer Hong is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. Her prior roles include positions at UC Innovation, JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, and Capstone Partners. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Daniel Czapla is a financial advisor at Merrill with 40 years of industry experience. He holds a Series 63 designation and has been with Merrill since 1986. Prior to and concurrently with his role at Merrill, he has also worked at Bank of America since 2009. 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.

Jeff Moeser is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop financial plans aimed at achieving their goals. He has been with Fidelity Investments since 2023, advancing through roles from Financial Representative to Relationship Manager before becoming an Investment Consultant in 2025. Jeff holds a California Insurance License. Outside of his professional work, Jeff enjoys cooking and baking, participating in family activities, fitness, exploring food as a foodie, playing golf, and spending time with his pets.

Rhodora Santos is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2011. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Stephen Mc Guirk is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked previously at Ameriprise and Edward Jones. His other business activities include involvement with Amplify Wealth Management, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, with both discretionary and non-discretionary management supported by comprehensive research and diversified investment strategies.

Michael Kelly is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on helping business owners and executives manage both personal wealth and corporate retirement plans. His expertise includes family wealth management, corporate executive services, institutional benefit services, investment consulting for defined contribution plans, and retirement income strategies. Michael works closely with clients to develop customized financial plans that address both wealth accumulation and distribution, coordinating personal and corporate financial needs to provide clarity and confidence in their decisions. He holds a Bachelor's Degree from St Mary's University of Minnesota and completed an Accredited Certificate Program at The Wharton School. Michael has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael resides in Mequon, Wisconsin with his wife, Lisa. He enjoys golfing, traveling with his family, and is actively involved in community service through SecureFutures, a nonprofit organization dedicated to providing financial literacy education to high school students. He has served in various volunteer roles including as a board director, classroom volunteer, coach, and member of the organization's finance and investment conference committees.

Maureen Tschopp is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor (CRPC) designation. Maureen has been a financial professional since 1987 and joined Merrill Lynch in 2011. She holds Series 7 and 66 FINRA registrations, as well as insurance and annuity licenses. She earned a Bachelor's Degree in Business from California State University, Fullerton and completed accredited certificate programs through the College for Financial Planning. With over three decades of experience, Maureen specializes in providing comprehensive financial planning and portfolio management services. Her focus areas include college education planning, divorce transition planning, executive compensation, legacy planning, LGBT wealth planning, small business strategies, socially responsible and values-based investing, women's wealth, tax minimization, and retirement income. She employs a collaborative approach tailored to her clients' unique objectives, incorporating banking and lending services through Bank of America, N.A. Maureen serves as President of Merrill's Orange County Chapter of The Women's Exchange and is involved in mentoring young entrepreneurs as well as teaching financial literacy to the next generation. She resides in Coto de Caza with her family and enjoys cycling, hiking, gardening, entertaining, and travel.

Andrea Vu is a financial advisor at Morgan Stanley with five years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2019 and previously held a role at Veritext Legal Solutions from 2016 to 2019. Andrea serves as a successor trustee and executor in an estate-related capacity outside of her advisory work. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outcome simulations.

Abhay Kothari is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs structured financial planning tools to support client goals, managing approximately $2.74 trillion in client assets.

Bernardo Reyes is a financial advisor at Charles Schwab with two years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. His background also includes roles in consulting and education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment solutions with centralized custody and operational services.

Karim Mekhail is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior roles at JPMorgan Chase Bank and Uber. 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 brokerage, distribution, and investment management capabilities.

Megan Jones is a financial advisor at Wells Fargo Advisors with one year of industry experience. She holds a Series 66 designation and has prior work experience at Cameo Assisted Living and the University of California, Davis. Wells Fargo Advisors is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Maureen Flanagan is a CFA® charterholder with 16 years of industry experience. She is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and has previously worked at First Republic Private Wealth Management and related entities. Outside of her advisory role, she serves as Treasurer and Board Member of the charitable organization Serving People in Need and acts as a trained naturalist leading kayak tours for the Newport Bay Conservancy. J.P. Morgan Securities LLC 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 brokerage and investment management capabilities and delivers recommendations on a non-discretionary basis.

Joshua Meek is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a broad range of retail and institutional offerings.

Amita Sheth is a financial advisor with Wells Fargo Advisors who holds Series 65 and Series 66 licenses and has 23 years of industry experience. Her prior roles include positions at J.P. Morgan Investment Management Inc. and PIMCO Investments LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and uses proprietary research and tools to develop tailored recommendations, with planning engagements generally being discrete rather than ongoing.

Joe Charboneau II is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He has worked at various J.P. Morgan entities since 2012, including JP Morgan Chase Bank and J.P. Morgan Securities LLC. 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 an ESG eligibility framework to inform recommendations.

Nicholas Hardi is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, HSBC Securities, and JP Morgan. Outside of his advisory role, he is the owner of Formosa Capital LLC, a for-profit LLC established to accept rental payments. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.