Linda Lyons is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 21 years before joining Wells Fargo in 2021. Lyons serves as treasurer for Soroptimist International of Huntington Beach, a community organization involved in fundraising and local activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Ashley Berecz is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. She holds a Series 66 designation and has prior experience in executive search and various roles outside the financial industry. Berecz is also a commissioned California Public Notary. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm utilizes asset-allocation tools and third-party solutions to construct and manage portfolios across a broad range of investment vehicles.

Trevor Morgan is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services Inc. for nine years. Outside of his advisory work, he is also the sole proprietor of a music-related business. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including comprehensive financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced financial modeling tools.

Rita Garchie is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies. The firm uses structured planning tools and modeling techniques to support client goals while generally acting in an advisory capacity.

Veronica Kuznetsov is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. Her work history includes roles at various Cetera entities since 2022 and prior experience at HOFFSKI, PISANO AND CO, CPAs and LPL Financial. She also provides bookkeeping services to small business owners outside of her advisory role. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party managers, supporting various program structures and investment strategies.

Katherine Dixon is a financial advisor with Equitable Advisors in Newport Beach, CA, holding a Series 66 designation. She has one year of industry experience and previously worked in the retail sector at Vans, VF Corporation, and Forever 21. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and third-party asset managers to implement investment strategies.

Adam Zedan is a Certified Financial Planner (CFP®) with 20 years of industry experience. He is currently with Charles Schwab in Newport Beach, CA, where he has worked since 2018. Prior to that, he was with Fidelity Investments and Fidelity Personal and Workplace Advisors from 2010 to 2018. 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 offers a combination of non-discretionary and discretionary investment options supported by centralized custody, brokerage, and alternative investment capabilities.

Winona Livingston is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with 11 years of industry experience. She has worked at Morgan Stanley since 2019, previously serving at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs for individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools combined with firm-approved methodologies to support its advisory services.

Carlos Mendoza is a financial advisor at Ameriprise with a Series 66 designation and four years of experience, including three years at Wells Fargo prior to joining Ameriprise. He has worked in other industries before entering financial services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning. The firm emphasizes dependable income sources and tax-aware withdrawal strategies, with investment recommendations supported by proprietary research and third-party data.

Andrew Chatham is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He worked previously at Mass Mutual Investors Services for nine years before joining LPL Financial in 2016. Outside of advisory services, he owns a small sticker and T-shirt business called Exit 71. 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 financial planning and asset management solutions through a large network of advisers, employing various model portfolios and customized strategies.

Margarita San Juan is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with high net worth families, often in partnership with their other advisors, to provide well thought out advice, guidance, and service across all aspects of their financial lives. Her approach involves total wealth care to address clients' comprehensive financial needs. Since beginning her career in financial services in 1996, Margarita has developed expertise in areas such as college education planning, family wealth management strategies, retirement income, legacy planning, and investment consulting for defined contribution plans. She is dedicated to helping clients achieve their financial goals through a consultative process and fostering long-term client relationships that often extend across generations. Margarita holds dual bachelor's degrees from the University of California, Irvine, earned in 2004. She has attained multiple professional designations, including Certified Private Wealth Advisor®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor, Certified Exit Planning Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. Additionally, she has attended executive education programs at Harvard Business School and Yale School of Management. Outside of her professional work, Margarita is involved with Harbor Day School and the Newport Hills Swim Team, where she contributes as a volunteer. Her personal interests include spending time with her family, swimming, traveling, and watching movies.

Dylan Wong is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank and Northwestern Mutual, as well as a brief period at The Ritz-Carlton Hotel Company. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Per Bakken is a financial advisor with Morgan Stanley, holding a Series 66 credential and 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Tara Santora is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 designations and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment solutions.

J Douglas Moran is a Senior Financial Advisor at Merrill Lynch Wealth Management with 28 years of experience at the firm. He holds offices on both the East and West Coasts, located in Wayne, Pennsylvania, and Newport Beach, California. Doug works with clients to develop comprehensive wealth management strategies, offering services that cover a broad spectrum of financial needs including college education planning, corporate executive services, family wealth management strategies, and socially responsible investing. Doug holds several professional designations such as the Certified Divorce Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Exit Planning Advisor®, and Personal Investment Advisor (PIA). He has been recognized multiple times on Barron's Top 1,200 Financial Advisors list and Forbes Best-in-State Wealth Advisors list. A graduate of Providence College and Episcopal Academy, he brings a client-focused approach supported by a talented team and the wide-ranging resources of Merrill Lynch. Outside of his professional career, Doug is involved with The Laguna Ocean Foundation. His personal interests include biking, hiking, reading, spending time with family, tennis, traveling, and yoga.

Norannsy Chieuchin is a financial advisor at Ameriprise with 12 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate since 2013. Outside of her advisory role, she serves on the boards of Project Angkor, a nonprofit medical mission, and Cambodian Family. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Norbert Garcia is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His previous roles include positions at Transamerica Financial Advisors, World Financial Group, and managing TGL Holdings, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of investment adviser representatives.

Michael Kalter is a Financial Consultant currently working at Fidelity Investments since 2024. He has previously held roles as a Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2024, Branch Manager positions at TD Ameritrade from 2018 to 2021 and Scottrade Inc. from 2016 to 2018, as well as serving as an Investment Consultant at Scottrade Inc. from 2012 to 2016. His career spans various roles in financial consulting and branch management. Michael holds a California Insurance License and brings extensive experience in investment consulting and financial advisory services. He and his team provide resources to help clients succeed financially and ensure they have a positive experience. Outside of his professional work, Michael enjoys spending time at the beach, engaging in family activities, and has interests in food, football, and soccer.

Luis Quiroga is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at JPMorgan Chase Bank, N.A. and Bank of America/Merrill Lynch. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Richard Donovan is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2009 and Bank of America, N.A. since 2010. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.