Frederick Chang is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and previously worked at Pacific Life Insurance Company for ten years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios using systematic methodologies and serves as an advisor to multiple registered investment companies and fund-of-funds.

Lacey Rivello is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 credential and two years of industry experience. Prior to joining Ameriprise, she worked in personal training at F45 and had roles at Lululemon, Naturalena, and TruBru Organic Coffee. Outside of her advisory duties, she continues to work as a personal trainer for group fitness classes. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides annual planning advice and written Recommendation Reports focused on dependable income and tax-aware withdrawal strategies.

Steven Buck is a Certified Financial Planner® with nine years of industry experience, all with Edward Jones. He holds a Series 66 license and is based in Ladera Ranch, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andre Julian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the investment industry in 1996 and joined the Merrill Financial Advisory team in 2013. As a former business owner and CFO of an independent investment advisory firm, Andre offers financial strategies tailored to business owners, high-net worth individuals, and families, taking into account their risk tolerance, time horizon, liquidity needs, and overall investment goals. Andre's experience includes years as a television analyst for CNBC, Bloomberg, and the Fox News Network, which enhanced his understanding of market influences and his ability to communicate complex investment concepts. He emphasizes that sound financial advice is grounded in proper portfolio allocation strategies customized to individual client needs rather than individual market picks. Andre follows a disciplined wealth management process based on established investment principles while allowing flexibility to adapt to changing economic conditions. Client information serves as the foundation for customized strategies, supported by the resources available through Merrill Lynch Wealth Management. Andre holds a Bachelor of Arts in Psychology and a Master of Arts in Social Ecology, both from the University of California at Irvine. He holds the Certified Investment Management Analyst® (CIMA) designation from the Investments and Wealth Institute™ and the Chartered Retirement Planning Counselor™ (CRPC) designation from the College for Financial Planning Institutes Corp. Andre speaks English and Ukrainian. He is involved with several community organizations, including the Dita Power of Sight Foundation, the LEAP Leadership Foundation, and the UCI Business School MBA Mentor Program. Andre and his wife, Christine, reside in South Orange County, California, where they enjoy an active lifestyle.

Bryan Peterson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo, he worked at Merrill for several years and has a background in engineering and manufacturing. He serves as a successor trustee for a family revocable living trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory.

Dylan Edwards is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. He previously worked at Cambridge Investment Research Advisors, Inc. and was self-employed for seven years. Outside of advisory work, Edwards is an independent insurance agent for various companies through Presidio Life LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, banks, and charitable entities. The firm’s approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Connor Mellema is Vice President and Financial Consultant at Fidelity Investments, where he partners with high net worth clients to develop comprehensive wealth strategies aimed at achieving their financial goals. He has held various roles at Fidelity Investments since 2021, including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Connor worked as an Analyst at Harvey & Company in 2021. Connor holds a California Insurance License, supporting his expertise in financial planning and investment consulting. Outside of his professional career, he enjoys fishing, skiing, surfing, swimming, traveling, and participating in social events with friends.

Jeffrey Ogata is a financial advisor with Merrill based in Newport Beach, CA. He holds the Series 66 designation and has experience working at Bank of America, Merrill, Omnia Real Estate Services, Verus Capital, and the United States House of Representatives. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Katzaroff is a financial advisor at UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has worked at Painewebber Incorporated since 1988. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk profiles.

Rajkumar Motwani is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments, Principal Life Insurance Company, and Morgan Stanley. 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 advisory process is IPS-driven and based on modern portfolio theory, serving plan objectives and risk tolerances while acting as an ERISA fiduciary.

Robert Conlisk is a financial advisor with Mass Mutual Investors Services in Newport Beach, CA, holding a Series 66 designation and 26 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2001. In addition to his advisory role, he is also licensed as a life and health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, goal-based planning without investment discretion.

James Burns is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers.

Anh Vu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. Prior to joining Wells Fargo in 2022, Vu worked at JP Morgan Securities LLC for seven years. Vu is also a majority owner of an LLC providing beauty, skincare, and cosmetic services. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Farzin Morena is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and bringing one year of experience. Prior to joining Equitable Advisors, he worked at Tesla Inc and has been involved in real estate through ownership and brokerage at The R&R Realty Company Inc. and related entities. Equitable Advisors provides financial planning, retirement consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of investment programs primarily through third-party managers and emphasizes customized client solutions based on risk tolerance and personal information.

Cole Finley is a financial advisor at RBC Capital Markets with six years of industry experience and holds a Series 66 designation. Prior to joining RBC, he was involved in the hospitality industry, including management roles at Tin Roof Bistro, Simms Restaurant, and Downey on Draft LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Sean Balkhi is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. He serves a diverse clientele including active and retired business owners, physicians, and attorneys across California and more than 15 other states. Sean specializes in creating customized financial strategies that align with clients' personal and professional goals, with a focus on retirement income, tax minimization, legacy planning, and portfolio management. Before his career in finance, Sean worked as a mechanical engineer with the Department of Defense, applying analytical skills to examine market dynamics, corporate balance sheets, and specific investments. He holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sean earned both his bachelor's and master's degrees from the California State University System. Residing in Coto de Caza with his wife and three children, Sean enjoys mountain biking, playing golf, and fishing. He prioritizes clear communication with clients, aiming to help them achieve meaningful financial goals with minimal stress while fostering strong relationships across generations of families.

Regino Diaz is a CFP®-certified financial advisor with J.P. Morgan Securities in Irvine, CA, bringing 14 years of industry experience. He previously worked at Merrill and Bank of America, N.A. from 1999 to 2018. Outside of his advisory role, Diaz is involved in managing residential real estate investment properties through several ownership interests. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Stanley Bruno is a CFP® with 53 years of industry experience, currently serving with OSAIC since 1989. He specializes in fixed annuity and fixed life sales through his sole proprietorship. OSAIC is a large financial services firm serving a diverse client base that includes individual, high-net-worth, institutional, and charitable clients. The firm provides integrated brokerage and advisory services with a range of investment platforms, employing asset-allocation tools and third-party solutions for portfolio management.

Cathy Fitzpatrick is a CFP® with 42 years of industry experience, currently serving as a financial professional at Cetera. She spent 33 years at Securian Financial Services and Minnesota Life before joining Cetera in 2023. Fitzpatrick is involved in community outreach as an advisory board member for WISE (Women Investing in Security and Education) and serves on the board and finance committees of the Girl Scouts of Orange County. Cetera Investment Advisers LLC is a large SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Courtney Cramer is a financial advisor at Wells Fargo Advisors with a Series 66 credential and five years of industry experience. She has worked at Wells Fargo Advisors since 2018 and previously held roles at Incite Agency, ManagePointe Technologies, Huemanly, and Wells Fargo Bank. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients through a wide range of investment and fee-based financial planning services. The firm offers comprehensive planning options tailored to clients meeting certain net-worth criteria and integrates advisory services with various financial products and referral channels.