Nicholas Katzaroff is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has prior work experience at firms including Flywheel Digital LLC, Similarweb Ltd., Point72 Asset Management, and Wilshire Associates. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Sadef Zandi is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Merrill, Zandi worked at Chipotle for three years. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Hansen is a CFA® charterholder with 40 years of industry experience, currently serving at Stifel Nicolaus & Co Inc since 2009. Based in Irvine, CA, he also instructs a class on fundamental analysis at the University of California–Irvine and owns a fine art studio. Additionally, he holds a private pilot affiliation. Stifel serves a wide range of clients, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

James Salter is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and over 26 years of industry experience. He has worked at J.P. Morgan Securities since 2009 and at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their advisory process incorporates quantitative and qualitative due diligence and utilizes forward-looking capital market assumptions to develop model asset allocations.

Paolo Quiroga is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for four years before joining LPL Financial in 2019. Outside of his advisory role, he is involved with Maven Associates Insurance Solutions and Qapital Family Adventures LLC, a family-oriented real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Kaylee Breeding is an investment adviser representative with LPL Financial in Irvine, CA, holding Series 63 and Series 65 designations. She began her financial services career in 2022 and joined LPL Financial in 2024. Prior to her advisory role, she operated Kaylee's Mobile Notary and has worked in various industries including aviation and electrical services. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and technology tools.

Rodolfo Munoz is a financial advisor with J.P. Morgan Securities in Anaheim, CA, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of advising, he serves as a college soccer referee. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative due diligence to build model asset allocations and offers capabilities in derivatives and commodities through related affiliates.

Craig Attanasio is a CFP® with 35 years of industry experience currently affiliated with Cetera in Orange, CA. He has served in roles at Ameriestate Legal Plan, Inc., and Sound Financial Services since 2011. Outside of his advisory work, he owns a tax preparation and bookkeeping practice and acts as an independent agent for a legal plan provider specializing in wills and trusts. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers, managing over $256 billion in assets with more than 10,000 advisors.

John Soward is a financial advisor with Ameriprise in Chino, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he works as an adjunct professor at Mt. San Antonio College and is involved in independent insurance brokering and tax preparation through his CPA business. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice primarily for clients with assets in Ameriprise-managed accounts.

Bryan Parkinson is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 63 and Series 65 credentials and having 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Bryan Cripps is a financial professional at LPL Enterprise with one year of industry experience. His prior work includes roles at Northwestern Mutual, Burnham-Ward Properties, Trammell Crow Company, and Banc of California. He is also involved in a non-variable insurance agency. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers services including financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

John Joseph is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with John Joseph Insurance & Financial Services and Linsco Private Ledger since 2000. Outside of advisory work, he is involved in insurance sales and services, specifically in property and casualty, life and health, and disability insurance. 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, supported by technology and a large network of investment adviser representatives.

Derek Johnson is a financial advisor at Ameriprise with 13 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the Riverside Chamber of Commerce Downtown Council and the Riverside Sport Hall of Fame executive board. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Kurtis Neeld is a financial advisor at LPL Enterprise with 8 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America and Pruco Securities, LLC, among other roles. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is typically model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and various financial planning services.

Hayim Clein is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC Wealth, Inc. since 2017. Clein has also been involved with Liberty Capital Management, Incorporated since 2014 and briefly worked at California State University, Fullerton. Outside of his advisory roles, he operates a sole proprietorship focused on marketing and selling insurance products and serves as a financial strategist supporting client account access and financial planning tools. OSAIC Wealth serves a diverse client base including retail investors, institutional clients, retirement plan sponsors, and charities. The firm offers a range of brokerage and advisory services, emphasizing model-based asset allocation, portfolio optimization, and multiple program options, supported by a broad affiliate network and private-equity ownership.

Carol Knowlton Chirko is a financial advisor at Osaic with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including Securities America Advisors and Cooper McManus. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory programs supported by a model-based investment process and a complex affiliate network.

Malinda Rice is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. Her career includes nine years at Franklin Templeton and two years at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes derivatives and commodities capabilities uncommon among institutional advisory programs.

John Woravka is a financial advisor at Wells Fargo Clearing with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services for 11 years. He is currently based in Irvine, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions.

Aldo Ciuffetelli is a financial advisor with Edward Jones in Irvine, CA, holding Series 63 and Series 66 licenses and working in the industry for 25 years. He has been with Edward Jones since 2000. Outside of his advisory role, he rents out residential properties in California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm has a large network of financial advisors and offers services including tax-efficient strategies, managed solutions, and affiliated mutual funds.

Samantha Briers is a financial advisor at Ameriprise in Tustin, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2022, she worked at Kingston University of London and Huntington Beach High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.