Terry Hagerman is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding Series 63 and Series 66 licenses with 30 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by structured planning tools and a broad suite of investment products.

James Vale is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. He holds the Series 66 designation and is based in Irvine, CA. Outside of his advisory role, Vale serves as treasurer and board member for homeowners associations in Laguna Niguel. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, utilizing proprietary research and planning tools to develop tailored recommendations. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

James Dahl is a financial advisor at UBS Financial Services with 26 years of industry experience. He has worked at Painewebber Inc since 1999. Dahl serves on the boards of the Lake Arrowhead Yacht Club and the Cypress Community Association, and he is the president of the Sigma Alpha Epsilon Orange County Area Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses research-driven, model-based asset allocations tailored to clients’ goals and risk tolerances.

Madeline Deisner is a financial advisor at Stifel with a Series 66 designation and less than one year of industry experience. Her background includes diverse roles across education, law, and hospitality sectors. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation guidance developed by its Investment Strategy Group.

Chad Shultz is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab since 1997, including a period at Charles Schwab Bank starting in 2005 and a recent role at TD Ameritrade from 2021 to 2024. Based in Newport Beach, CA, he has a long tenure with Schwab’s affiliated firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client advisory models with access to affiliated discretionary separately managed accounts, supported by a large scale and integrated operational structure.

Paul Williams is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America since 2004. 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 plans, corporations, and charitable organizations.

Raymond Lejano is a financial advisor with UBS Financial Services in Newport Beach, CA, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has been with UBS since 2005. Outside of his advisory role, he owns and manages businesses providing home and personal care services for seniors. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining fiduciary financial planning with institutional trading capabilities and proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Patrick Anderson is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. Prior to this, he worked as a Financial Advisor at Thrivent Financial from 2013 to 2016. Patrick holds a California Insurance License, which supports his work in financial planning and advising. In his role, Patrick collaborates with clients to understand their values, goals, and life changes, aiming to develop financial plans that are simple and effective. His approach focuses on building comfort and confidence in clients' financial futures. Outside of his professional career, Patrick's personal interests include cooking and baking, fishing, fitness, parenthood, scuba diving, and traveling.

Sharon Decampo is a financial advisor at Stifel with 40 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2011 and holds Series 63 and Series 65 credentials. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Thomas Fisher is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been a series 7 licensed representative since 2005, marking nearly two decades in the financial industry. His career includes roles at E*TRADE Financial, where he worked as a Financial Consultant from 2013 to 2022, and at Raymond James Financial as an Associate in 2012. Thomas's experience spans various aspects of finance, with a focus on assisting clients with a range of needs—from providing education on investment fundamentals to developing complex wealth planning strategies. He holds a California Insurance License, which complements his financial consulting expertise. Prior to his full-time career in finance, Thomas spent a few years outside the industry in his late twenties, during which he trained for the Olympics and ran his own business.

Timothy Cline is a financial advisor with J.P. Morgan Securities in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012 and is a partial owner of Aero Bar, Inc., a family-owned 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 selection, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research with forward-looking capital market assumptions and incorporates ESG eligibility considerations.

Hilary Hughes is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. Prior to joining Merrill in 2024, she worked at Morgan Stanley, UBS Financial Services, Massachusetts Mutual Life Insurance, and Capstone Partners Financial and Insurance Services. Outside of her advisory work, Hughes is the owner of Shut Your Pie Hole Bakery, a restaurant and bar located in Costa Mesa, California. Merrill, together 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Camille Deol is an Investment Consultant at Fidelity Investments, a position held since 2026. Prior to this role, Camille gained experience within the same company as a Planning Consultant in 2025, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. Camille holds a California Insurance License, supporting her professional capacity in financial and investment consulting. She is dedicated to understanding clients' financial goals and crafting tailored financial plans to provide peace of mind regarding their financial future. Outside of her professional work, Camille enjoys cooking and baking, fitness, exploring food as a foodie, skiing, traveling, and volunteering.

Eric Spraker is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing for nine years and Prudential Equity Group, LLC for six years. Outside of his advisory role, he performs as a guitarist in a music band based in Newport Beach, CA. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas like business-owner transition and sports & entertainment planning, utilizing proprietary research and tools to develop tailored client recommendations.

Claudia Jenkins is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials and has worked at Merrill and Bank of America since 1992. Outside of her advisory role, she is a co-owner of a family rental property in Surprise, Arizona, where she occasionally manages communications and property improvements. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amita Desai is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2010 and previously held roles at Crowell, Weedon & Co. and Citigroup Global Markets. Outside of her advisory work, she serves as a sports referee for USRowing. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organization clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and provides proprietary model strategies under the Founders Gate Capital brand.

Brian Weber is a financial advisor with UBS Financial Services in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC for five years before joining UBS in 2019. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations, proprietary research, and a range of financial planning and portfolio management services. The firm integrates institutional trading capabilities with wealth management and offers ancillary services such as custody, underwriting, and securities-backed lending.

Tammy Jau is a financial advisor at Morgan Stanley with 19 years of industry experience. She has held her position at Morgan Stanley since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

John Hollands is a financial advisor at J.P. Morgan Securities in San Clemente, CA, with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. 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 searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Timothy Marshall is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.