Brett Frazier is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and has prior work history at The Hartford, Humanscale Corporation, E3 Consulting, and Alta Vista Country Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipalities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

John Leat is a Financial Consultant at Fidelity Investments, where he currently partners with clients to develop personalized financial plans and strategies aimed at enhancing their comfort and confidence in their financial futures. He has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant before assuming his current position in 2025. John holds a California Insurance License, supporting his work in financial consulting. His career at Fidelity Investments has provided him with a broad range of experience in financial services and client relationship management.

Jeffrey Levine is a financial advisor at Stifel with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Dale Wood is a CFP® professional with 41 years of experience in the financial industry, currently serving at OSAIC since 1990. He holds a Series 63 license and operates a sole proprietorship offering fixed and variable annuity insurance as well as fixed life products. OSAIC is a large-scale wealth management firm serving retail and institutional clients through a multi-advisor platform. The firm provides a range of brokerage and advisory services, focusing on model-based asset allocation and portfolio optimization, and supports diverse client segments including high-net-worth individuals, retirement plans, charities, and corporations.

Cory White is a financial advisor at Edward Jones in San Clemente, CA, holding a Series 66 credential with one year of industry experience. His prior work includes roles at Birdwell California! LLC, William Ray Valentine LLC, and The Pacific Financial Group, Inc., as well as consulting through CM White Consulting. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Zachariah Page is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked in roles at Belmont Publications, Cintas, Target, and 24 Hour Fitness. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kim Chu is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, Kim co-owns rental properties with family members. 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, and institutional investors.

Stephen Blackwell is a Series 66-credentialed financial advisor with 18 years of industry experience. He has worked at J.P. Morgan Securities since 2014 and previously was with Merrill from 2010 to 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers written asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process that combines quantitative and qualitative research.

Jerrold Clarke is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has previously worked at Merrill and UBS Financial Services. Outside of his advisory role, he operates a hobby business selling a baseball card collection online. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from Wells Fargo Investment Institute and other sources to support its investment approach.

Richard White is a CFP®-designated financial advisor with 28 years of industry experience. He is currently with Cetera and has worked with Avantax and his own firm, R.M. White & Associates, since 1983. In addition to his advisory work, he provides tax preparation, planning, and financial statement services through R.M. White & Associates. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring a range of portfolio management and consulting services, with over 10,000 advisors managing more than $256 billion in assets.

Justin Leonard is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding a Series 66 designation and totaling two years of industry experience. His prior experience includes roles at JPMorgan Chase Bank and academic positions at the University of Oregon and University of Southern California. He has also been involved with Home Free Animal Rescue. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence combining quantitative and qualitative research.

Mark Rehms is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. He has worked at prominent firms including JPMorgan Securities, Morgan Stanley, Merrill, and Citigroup Global Markets. His career includes roles at both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products in addition to investment services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to design tailored financial plans for clients.

Thomas Kirwan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at UBS Financial Services for eight years before joining Wells Fargo in 2018. Outside of his advisory role, he has ownership in Zephyr Cove Associates, LLC, where he reviews properties for potential purchase. 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 incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Blake Driscoll is a financial advisor with Charles Schwab, holding a Series 66 designation and based in Mission Viejo, CA. He has been with Charles Schwab and its affiliate firm since 2025 and has prior experience working in the hospitality industry. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory with access to affiliated discretionary separately managed accounts.

Marc Spiegel is a CFP® with 38 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. He previously worked at FSC Securities Corporation for 29 years and spent 25 years at the University of California Irvine. Outside of his advisory role, he owns sole proprietorships focused on tax return preparation and insurance agency services, and acts as a trustee managing licensing agreements and related trust matters. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and access to various managed programs and alternative investments.

Chace Jackson is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Merrill, Bank of America, LPL Financial LLC, and ZB. NA / Zions. Outside of finance, he owns Reimagined Home Improvements Inc., a home-based business. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lawrence Smith is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 31 years before joining Wells Fargo in 2021. He serves as vice president of the Lyons-Smith Family Foundation, a charitable organization. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alexander Biestek is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Equitable Advisors and has additional experience outside finance, including operating a bail bonds business and working as a background actor in advertising. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and centralized operational support.

Michael Rezai is a Financial Advisor at Merrill Lynch Wealth Management. He brings a strategy-led perspective to wealth management, shaped by experience advising private equity firms, multinational corporations, and executive leadership teams on capital allocation, acquisitions, and complex financial decisions. His expertise includes corporate executive services, executive compensation, family wealth management strategies, international wealth management, legacy planning, liquidity management, philanthropic planning, small business strategies, individual and corporate investment strategy, and tax minimization. Michael's work centers on the stewardship of wealth by aligning investments, banking, lending, liquidity, tax considerations, estate planning, and legacy objectives within a unified long-term framework. Michael holds a Bachelor of Business Administration and a Master of Business Administration from the University of Cincinnati. He has a background in private equity, M&A advisory, and strategic consulting. He is a Personal Investment Advisor (PIA). Outside of work, Michael enjoys hiking, music, reading, spending time with his family, tennis, and traveling.

William Best is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney for eight years before joining Raymond James in 2017. Outside of his advisory role, he is involved in operating a festival campsite presentation company, serves as a pastor for a religious organization, and pursues musical activities including songwriting and live performances. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm emphasizes tailored financial planning and non-discretionary consulting supported by extensive research and a variety of portfolio management styles.