Alecsander Bertok is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has prior experience at United Wholesale Mortgage. Bertok studied at the University of Dayton and was involved with its Athletic Department during his time there. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Trent Baxter is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2016. Prior to his advisory role, he worked at Irvine Valley College for three years and Cal State Fullerton for five years. 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 and profit-sharing plans, corporations, and charitable organizations.

Paul Miller is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently with Morgan Stanley, having joined the firm in 2025 following a 16-year tenure at UBS Financial Services. Outside of his financial advisory work, he is the owner of a fitness business called Twenty Minutes to Fitness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services, including tools such as Monte Carlo simulations and Secular Return Estimates in its planning process.

Charles Hearn is a ChFC® credentialed financial advisor with LPL Financial in Newport Beach, CA, bringing 49 years of industry experience. He has been with LPL Financial since 2000. Outside of his advisory work, Hearn serves as a board member of the Starcare Foundation, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches with access to various model portfolios and research resources.

Austin Mascorro is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at First Republic Bank and Bank of America. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Fady Mansour is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley since 2018 and previously was employed at Merrill and Colorado State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Batala Fortes is a financial advisor at OSAIC with three years of industry experience. They hold a Series 66 designation and previously worked at LPL Financial, LLC and Zuk Financial Group. Outside of their advisory role, Fortes serves as trustee of the Manuela A. Fortes Family Trust. OSAIC serves a broad range of clients, including individual and institutional investors, by offering integrated brokerage, financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Gerald Zelko Sr. is a CFP® professional with 33 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He serves as an endowment fund committee member for Noble Vikings Charities and is on the finance committee for the Make A Wish Foundation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Charmin Wu is a financial advisor at Cetera with 23 years of industry experience. She holds the CFP® designation and Series 66 license. Her prior experience includes roles at Intuit and RA Lotter Insurance Marketing Inc., and she has been involved in health insurance services through Anthem BlueCross and Covered California. Wu also operates a tax preparation and accounting business, providing corporate and individual tax services as well as fractional CFO support. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and utilizes a multi-manager platform combining affiliated and third-party investment strategies.

Julia Bica is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Raymond James in 2026, she worked at Ameriprise, Comerica Bank, SC Distributors, and Sandy's. Raymond James & Associates serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional consulting services. The firm employs tailored planning based on risk profiling and software-driven analyses, with a range of portfolio management styles supported by affiliated research and model managers.

Kevin Le is a financial advisor at Morgan Stanley in Newport Beach, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Ameriprise, First American Trust, Humana Inc, Velosio LLC, Argano LLC, and Tesla, as well as operating a sole proprietorship for eight years. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning through dedicated advisors and specialized groups. The firm employs structured planning tools and models to assist clients, managing approximately $2.74 trillion in client assets.

Neda Tavakoli is a Market Leader at Fidelity Investments, where she leads a team of associates dedicated to prioritizing client needs. In her role, she focuses on simplifying complex financial concepts and collaborating with clients to develop plans aligned with their goals. Her career at Fidelity Investments began in 2009 as a Financial Consultant. She progressed through roles including Director Retirement Planner, Assistant Branch Leader, and Vice President, Branch Leader before assuming her current position in 2025. Neda holds a California Insurance License. Outside of her professional responsibilities, Neda enjoys camping, family activities, exploring culinary experiences, outdoor adventures, running, and traveling.

Cody Voge is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked at Speedy Weedy and was employed for nearly a decade at Boundary Oak Golf Course. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of financial professionals.

Roya Cole is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2009. Cole serves as President of the Board and is a board member of the Laguna Beach Community Clinic Inc., participating on its Finance and other committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Richard Riegle is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2013. He has 12 years of industry experience and is based in Laguna Niguel, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branches, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Karen Jordan is a CFP® professional with 28 years of industry experience, currently serving at Charles Schwab. She has held roles at Charles Schwab Bank, SSB and TD Ameritrade Inc., and she operates a photography business alongside her advisory work. Karen is also a partner in a real estate and property management firm. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a centralized, integrated approach to wealth management.

David Mcdowell is a financial advisor with Morgan Stanley in Laguna Beach, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm focuses on tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Christopher Mullery is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley since 2009, previously working at Citigroup Global Markets. He holds Series 63 and Series 66 licenses. 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 and financial planning services supported by structured tools and broad investment strategies.

Neha Dixit is a Financial Advisor with Merrill Lynch Wealth Management, specializing in tailored wealth management strategies for individuals and families. With close to a decade of experience in the financial services industry, she assists clients in navigating investment management, retirement planning, and trust and estate strategies. Neha leverages Merrill's research and insights to deliver customized portfolios aligned with her clients' unique goals. Her expertise encompasses college education planning, family wealth management, investment consulting for defined contribution plans, liquidity management, portfolio management services, and retirement income planning. Neha holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Jai Hind College. She communicates fluently in English and Hindi. Outside of her professional work, Neha enjoys running, yoga, and spending time with her family. Her approach centers on transparency, trust, and simplifying complex financial challenges to empower clients in achieving their financial objectives.

Gerard Kinzel is the Vice President and Branch Leader at Fidelity Investments' Newport Beach Investor Center. In this role, he leads a team of financial professionals who provide clients with comprehensive wealth planning services, focusing on building lifelong relationships and assisting individuals and families in achieving their financial goals. Gerard has extensive experience in the financial services industry, having held various positions since 1998. His career includes roles such as Assistant Branch Manager at Fidelity Investments, Branch Manager and Financial Consultant at E*TRADE, as well as positions at McDonald Investments, Ameritrade, and Datek Online. He holds a California Insurance License. Outside of his professional responsibilities, Gerard enjoys spending time at the beach, playing golf, surfing, and traveling.