Darryn Pope is a CFP® professional with 36 years of industry experience, currently serving at Cetera. His prior roles include positions at Avantax Advisory Services, Proequities Inc, and LPL Financial. Outside of advisory work, he owns RACERBAX LLC, where he coordinates marketing and event participation in running expos, and he consults with CPA firms through his role at CPA2Connect. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with flexible program options, managing over $256 billion in assets across more than 10,000 advisors.

Gabriel McAuley is a Financial Consultant at Fidelity Investments, where he works with clients to understand their financial goals and co-create tailored financial plans and investment strategies. He has been with Fidelity since 2020, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant before his current position. Gabriel holds a California Insurance License, which supports his work in financial consulting. His experience spans multiple facets of financial services, enabling him to provide comprehensive support to his clients.

Matthew Holbrook is a CFP® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. Prior to joining LPL, he spent 19 years at Unionbanc Investment Services. He is based in Newport Beach, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of over 22,800 advisors with a broad platform including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Veronica Navarrete is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding a Series 66 designation and over 25 years of experience in the financial industry. She has been with JPMorgan Chase Bank, N.A. since 1997 and has served at J.P. Morgan Securities in multiple periods since 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with affiliated brokerage, distribution, and investment management services.

Jeanine Delgadillo is a financial advisor at Morgan Stanley with 10 years of experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools such as Monte Carlo simulations and Secular Return Estimates.

Adriane Joya is a Series 66 licensed advisor with Merrill in Newport Beach, CA, and has 12 years of industry experience. She has been with Merrill since 2013. 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, and institutional investors.

Megan Lau is a financial advisor with J.P. Morgan Securities in Los Angeles, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with J.P. Morgan Securities since 2008 and JPMorgan Chase Bank, NA since 2010. In addition to her advisory role, Megan is also an employee of JPMorgan Bank, enabling her to offer certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Erika Dominguez is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has experience working at Merrill prior to joining Morgan Stanley. Her background includes roles in both educational institutions and a small business venture outside of finance. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes with firm-approved methodologies while generally acting in an advisory capacity for financial plans.

William Sheaffer is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with 13 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2013, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and modeling techniques but generally acts in an advisory capacity without individual security recommendations as part of standalone planning.

Nicholas Lockwood is a financial advisor at OSAIC with seven years of industry experience. He previously worked at Lincoln Financial Advisors for seven years and holds a Series 66 designation. Outside of his advisory role, Lockwood hosts the podcast "Money Made Simple with Oakwood Wealth Partners" and owns an online merchandise company called Free The Halos. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and third-party solutions to manage portfolios that may include equities, fixed income, options, mutual funds, ETFs, and alternative investments.

Editha Shemke is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Stifel Nicolaus & Co. Inc. since 2011. Outside of her advisory role, she leads a professional networking group, Provisors, and serves as Founder and Advisory Board Chairperson for the Boardvance initiative within OneOC, which supports nonprofit organizations. Stifel provides brokerage and investment advisory services to a wide range of clients, including individuals, institutions, and municipalities, using a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Cameron Baker is a financial advisor with Charles Schwab, holding a Series 66 designation and beginning his industry career in 2026. His prior experience includes roles at New York Life and Eastdil Secured, as well as work in public outreach and education. 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 mix of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a centralized operational structure.

Towfiq Chitalwala is a financial advisor with Merrill in Lake Forest, CA, holding Series 63 and Series 65 credentials and having 19 years of industry experience. He has worked at Bank of America and Merrill since 2018, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors from 2013 to 2018. 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, pension plans, corporations, and charitable organizations.

Brett Bevan is a Series 66–licensed financial advisor with Fidelity, bringing 17 years of industry experience. He has been with Fidelity and its affiliated entities since 2009. Outside of his advisory role, Bevan serves as an Investment Committee Member for the Saddleback Laguna Lodge #672 Free and Accepted Masons and as a Director of Circuit Assembly Corp. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to registered investment companies and constructs model portfolios employing systematic methodologies and long-term asset allocation benchmarks.

Scott Lee is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021. Prior to his financial services career, his background includes roles in education and customer service. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to affiliated discretionary separate managed accounts. The firm is notable for its large scale and integrated structure, providing bundled advisory, brokerage, custody, and cash-sweep services.

Christopher Polimeni is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Western International Securities, Inc. and Financial West Group. He is also involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of advisory and brokerage services supported by extensive research and technology resources.

Ronald Koby is a financial advisor at Merrill with Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at Merrill since 1985 and has also been with Bank of America, N.A. since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Michael Gabrielian is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at Securian Financial Services, Inc. and Minnesota Life for over three decades. Gabrielian serves as treasurer on the Brighton Shores Homeowners Association board and participates on the advisory board of Envirokinetics. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors. The firm serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management as well as financial planning and consulting services.

Kerry Givant is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked since 1983. He leads the Givant/Tschopp Group, providing financial and wealth management advice with a focus on family wealth management strategies, liquidity management, retirement planning, philanthropic planning, and portfolio management services. Kerry holds multiple licenses and registrations, including insurance and annuity licenses, Series 3, Series 7, Series 63, and Series 66 FINRA registrations. He is a qualified Portfolio Manager, able to build personalized investment strategies involving individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. He provides fiduciary services for 401(k) plan management and holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A graduate of Cornell University, Kerry is based in Corona Del Mar. He has extensive community involvement, including service as a board member for the American Cancer Society/Orange County and the Andersen DEANs. He has coached and managed various youth sports teams, particularly soccer, baseball, basketball, and softball. He holds a referee certification and coaching license in soccer. Kerry enjoys hiking, travel, sports, and spending time with his family and pets.

Lester Pyle is a financial advisor with Cetera, holding the ChFC® designation and a Series 63 license, and has 30 years of industry experience. He has worked with Cetera and its affiliated entities since 2013 and is also associated with SageView Advisory Group and Cwmg, LLC. Outside of advisory roles, he is involved in a life settlement business, selling life settlements through Welcome Funds, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.