Hon Lo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He has been part of Fidelity Investments since 2000, beginning his career as an Investment Representative and progressing to Account Executive before his current role. He works closely with clients to understand their financial concerns and goals, and collaborates with them to develop tailored investment and financial planning strategies using Fidelity's offerings. Hon has been involved in the financial services industry since graduating from college. He holds a California Insurance License, which supports his work in providing comprehensive financial advice and planning.

Marc Arcidiacono is a CFP®-certified financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he is a sole owner of a rental property in Carlsbad, California. 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Wuest is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America and Wells Fargo. Outside of finance, he has experience in martial arts training through Krav Maga of Orange County. 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 institutions.

Anthony Adelizi is a financial advisor with Charles Schwab in Aliso Viejo, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at TD Ameritrade and Fidelity Investments Institutional Services. Outside of his advisory work, he co-owns a travel advising business called Adelizi Adventures, assisting clients with booking travel accommodations and activities. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management with a multi-asset model portfolio approach supported by centralized custody and operational services.

Stephen Shin is a financial advisor at RBC Capital Markets with 34 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining RBC in 2022, he worked at Morgan Stanley and its related entities from 2014 to 2022. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering tailored investment advisory and financial planning services through a range of programs and investment managers.

Trent Sadler is a Series 65-licensed financial advisor at Edelman Financial Engines with three years of industry experience. He previously worked at Dynamic Wealth Advisors and Stansberry Asset Management, and has a background that includes a role at Santa Clara University. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of discretionary and non-discretionary investment solutions supported by a committee-driven modeling process and online tools, managing approximately $326 billion for roughly 477,000 clients.

Dorothy Litos is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. She has been with Merrill since 2011. 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 developed by internal and third-party managers for a diverse range of clients including individuals, high-net-worth clients, pension plans, and corporations.

Heidi Leu is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Merrill since 2012 and concurrently associated with Bank of America since 2013. Outside of her advisory role, she owns a business unrelated to investment activities. 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 both model-based and discretionary investment strategies and serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Franklin is a CFP® with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2024. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2005 to 2024. 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 investment management solutions using both proprietary and third-party strategies.

Philip Pluta is a financial advisor at J.P. Morgan Securities with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2011. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering its advisory programs on a non-discretionary basis.

Stanley Bruno is a financial advisor at OSAIC with 14 years of industry experience. He holds the Series 66 designation and has worked at Royal Alliance since 2012. Outside of his advisory role, he owns a sole proprietorship that sells fixed annuities and fixed life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party money managers to construct portfolios across various asset classes.

Ethan Donahoe is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His work history includes roles at Bank of America, J.P. Morgan Securities LLC, and Southern New Hampshire University, among others. He has also been involved with businesses such as ascent marketing consultants LLC and Wolf Lounge. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Bryan Uwaechia is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., TD Ameritrade, Bangor Savings Bank, and the University of Maine prior to his current role. Charles Schwab & Co., Inc. serves a large client base of 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 advisory services and access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and due diligence on alternative investments.

Christa Varda is a financial advisor at OSAIC with 12 years of industry experience. She holds a Series 66 designation and has worked at firms including LPL Financial, Securities America Advisors, Valley Wealth Strategies, and National Planning Corporation. Outside of her advisory role, she serves as trustee of a family trust and is an officer of a corporation established for tax purposes. OSAIC serves retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage and investment advisory services supported by firm-provided portfolio construction tools and access to third-party money managers.

Julie Donohue is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she serves as a consultant for essential oil distributors Doterra and Young Living for personal use. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brandon Sanford is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 credential and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002 and at 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 for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Clemmer is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Newport Beach. He has been with Merrill Lynch since 2006, bringing extensive experience in wealth management and financial planning. Greg works with select families, closely held business owners, and executives, providing tailored financial frameworks that address complex financial affairs and individual lifestyle goals. His areas of expertise include college education planning, family wealth management strategies, retirement income planning, liquidity management, and services for endowments, foundations, non-profits, and defined benefit plans. Greg’s approach integrates customized asset and liability management, goals-based retirement planning, and comprehensive business guidance, including pre- and post-liquidity strategies and exit planning. Greg holds a Bachelor's Degree from the University of Oregon and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Originally from Northern California, he now lives in Newport Beach with his wife Rachel and their children. Outside of work, Greg enjoys golf, outdoor activities, and spending time with his family, and he is a dedicated University of Oregon Ducks fan.

Byron Sheffield is a financial advisor at UBS Financial Services with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2015. Based in Newport Beach, CA, his career includes extensive experience within the financial sector. UBS Financial Services serves individual, corporate, and institutional clients through 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 financial plans to clients’ goals and risk tolerances.

Connor Antonson is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kenneth Annaloro Jr. is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he serves as CEO of the T-Street Zoo Music Foundation, a nonprofit supporting local young musicians through recording, production, and distribution. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to construct diversified portfolios, managing accounts on both discretionary and non-discretionary bases.