Toma Kay is a financial advisor with UBS Financial Services in Irvine, CA, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. Prior to joining UBS in 2020, Kay worked at Wells Fargo Clearing and Morgan Stanley Smith Barney. Outside of finance, Kay owns a single-family rental property in Lake Elsinore, CA. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Michelle Chung Hui Lai is a CFP® credentialed financial advisor with 15 years of industry experience. She has been with J.P. Morgan Securities since 2016 and previously worked at Cetera. Michelle is based in Diamond Bar, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Ronald Owen is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has three years of industry experience, including prior roles at Merrill Edge and Northwestern Mutual. Before entering the financial industry, he served seven years in the U.S. Navy. 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. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities through unique regulatory registrations.

Deidre Hutting is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America, N.A. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Cole Green is a financial advisor with Morgan Stanley in Riverside, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at UBS Financial Services, Nylife Securities, and New York Life Insurance Co. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and an Estate Planning Strategies Group.

Jeffrey Sanguedolce is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his industry career in 2025. He previously worked at New York Life from 2020 to 2025 and held a role at Netcom Technologies from 2014 to 2020. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and other related services.

Patrick Ryan is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 65 and Series 63 licenses and 18 years of industry experience. He has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2015. 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 supported by centralized due diligence and may include ESG considerations.

Marshall James is a Certified Financial Planner® with 28 years of industry experience. He has been with LPL Financial since 2007 and previously worked at OSAIC and Pension Portfolios. He serves as a board member of Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, leveraging various investment strategies and technology tools while overseeing substantial discretionary assets.

Lizeth Saldivar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. She has been with Wells Fargo since 2019 and previously worked at Anthem, Inc. and Farmers Insurance. 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.

Christopher Lee is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at City National Securities, Ameriprise, Merrill, and Wells Fargo in various advisory roles. 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. The firm’s advisory process combines quantitative and qualitative research with a forward-looking approach to build model asset allocations, offering clients non-discretionary recommendations while maintaining final decision-making authority.

Madeleine Coffin is a Series 66 licensed financial advisor at Merrill with 12 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she serves as a fitness instructor at barre3, a boutique fitness studio in San Clemente, California, where she teaches group Barre classes twice weekly. 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 institutional investors.

Jin He is a financial advisor at Cetera with six years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at East West Bank, JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, Bank of America, and Uber. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services and operates as a multi-manager platform, supporting discretionary and non-discretionary advisory programs with significant assets under management.

Victoria Blanco is a financial advisor at RBC Capital Markets with 29 years of industry experience. She holds the Series 66 designation and has previously worked at First Republic Investment Management and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers tailored to clients’ risk profiles.

Grant Lockwood is a financial advisor at OSAIC with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at AssetMark Brokerage, LLC and Oakwood Wealth Partners. Prior to his advisory career, he spent several years in education, including roles at California State Polytechnic University and in primary and secondary schools. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides both brokerage and advisory services through a multi-advisor platform with an investment process focused on model-based asset allocation, portfolio optimization, and a variety of managed account options.

Manjil Patel is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has prior work experience at firms including Merrill Lynch, TIAA, and Fidelity. Patel is also the owner of Patel Capital LLC, a real estate business. 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. The firm’s advisory process combines quantitative and qualitative research and includes an ESG eligibility framework.

Josue Lopez is a financial advisor at LPL Enterprise with six years of industry experience. He holds the Series 66 designation and has worked previously at firms including Merrill, JPMorgan Chase Bank, and Allstate Financial Services. He has also operated Omega Accounting & Notary Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm’s investment approach is primarily model-driven and includes access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Thomas Wong is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and having 27 years of industry experience. He has worked at Wells Fargo Investments, LLC and Wells Fargo Clearing for a combined total of 20 years. 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 supported by research and analytics.

Taejun Ahn is a Financial Advisor currently working with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Taejun completed his education at the University of California System, where he earned a High School Diploma/GED. Further details regarding his experience, areas of expertise, and personal interests have not been provided.

Susan Steinberg is a financial advisor at Ameriprise with five years of industry experience. She previously worked at Laguna Financial Advisors and Mass Mutual. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, combining investment research and algorithmic tools to provide tailored recommendations.

Jing Sun is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding Series 65 and Series 66 licenses and four years of industry experience. Their prior roles include positions at Charles Schwab, Carofin, LLC, and Sunstone Trust Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.