Robert Chamberlin is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan and affiliated entities since 2013, including prior roles at UnionBanc Investment Services and MUFG Union Bank. J.P. Morgan Securities 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 non-discretionary advisory model. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering integrated investment and brokerage services.

Genovieva Gog is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for seven years before joining Wells Fargo in 2021. Outside of her advisory role, she operates a sole proprietorship bakery called Whisked Away. 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 IPS-driven approach incorporates modern portfolio theory and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

William Magette is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes an explicit offering of insurance-related vehicles and bank deposit sweep options alongside traditional investment products.

Michael Poole is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch Pierce Fenner & Smith since 2016. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Kathleen Howard is a financial advisor with UBS Financial Services in Newport Beach, CA, holding a Series 66 designation and 26 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Smith Barney from 2009 to 2025. Howard is also involved in a trust-related business activity outside regular business hours. 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 and utilizes proprietary research and model-based asset allocations to tailor client plans.

Thomas Sim is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses. He has 32 years of industry experience, including 16 years at Lincoln Financial Securities Corporation and 20 years at Osaic FS, Inc. Outside of his advisory role, he is involved in non-variable insurance sales through TMC Wealth. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing a range of advisory and brokerage services primarily through its network of investment adviser representatives.

Tammi Boyd is a Series 66-licensed financial advisor with 26 years of industry experience. She is currently with Raymond James & Associates, where she has worked since 2023. Prior to that, she held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles supported by affiliated research and model managers.

Patrick Enriquez is a financial advisor with Equitable Advisors in Newport Beach, CA, holding a Series 66 designation and 26 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Morgan Stanley. He also owns Enriquez Capital, an investment-related business, and serves as a trustee for its 401(k) plan. Equitable Advisors serves individual clients, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party managers. The firm employs a range of advisory models and focuses on matching clients to appropriate investment programs without sponsoring its own wrap fee program.

Jennifer Hong is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. Her prior roles include positions at UC Innovation, JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, and Capstone Partners. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Daniel Czapla is a financial advisor at Merrill with 40 years of industry experience. He holds a Series 63 designation and has been with Merrill since 1986. Prior to and concurrently with his role at Merrill, he has also worked at Bank of America since 2009. 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.

Jeff Moeser is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop financial plans aimed at achieving their goals. He has been with Fidelity Investments since 2023, advancing through roles from Financial Representative to Relationship Manager before becoming an Investment Consultant in 2025. Jeff holds a California Insurance License. Outside of his professional work, Jeff enjoys cooking and baking, participating in family activities, fitness, exploring food as a foodie, playing golf, and spending time with his pets.

Rhodora Santos is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Stephen Mc Guirk is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Edward Jones, and Transamerica Financial Advisors. 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 broad range of advisory and brokerage services, including financial planning and access to model portfolios, combining scale with various financial and operational platforms.

Luis Manuel Bernal is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he specializes in providing financial guidance to high income and high net worth professionals, business owners, executives, and families. With nearly 30 years leading the NB Group, Luis focuses on personalized wealth planning that aligns with clients' life priorities and desired lifestyles. His approach incorporates customized investment strategies, model portfolios, and estate planning services, aiming to help clients achieve their financial goals through all major life events. Luis holds a Bachelor of Arts in Business Administration with an emphasis in Marketing from California State University, Fullerton. He is a CERTIFIED FINANCIAL PLANNER® professional, a Chartered Retirement Planning Counselor™, and a Personal Investment Advisor. Luis is bilingual in Spanish and English, enhancing his ability to serve diverse clients. Outside of work, Luis is actively involved in his community, serving as a coach for the Golden Hill Little League in Fullerton and formerly chairing the city's Investment Advisory Committee. He lives in Fullerton with his wife Sarah, their two children, and their two American Bulldogs. In his free time, Luis enjoys outdoor activities, coaching youth sports, attending baseball games and concerts, and spending time with his family.

Michael Kelly is a financial advisor at Merrill with 28 years of industry experience. He has been with Merrill since 2012 and holds Series 63 and Series 65 licenses. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed accounts, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring, with integrated tax-efficient capabilities and a close affiliation with Bank of America’s broader banking and capital markets platform.

Maureen Tschopp is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER (CFP) and Chartered Retirement Planning Counselor (CRPC) designations and brings over three decades of experience in the financial services industry. Maureen has worked for Bank of America, Wells Fargo Home Mortgage, and Comerica Bank before joining Merrill Lynch Wealth Management in 2011. She specializes in areas including college education planning, divorce transition planning, executive compensation, legacy planning, LGBT wealth planning, small business strategies, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Maureen holds a Bachelor's degree in Business from California State University, Fullerton, along with Series 7 and 66 FINRA registrations, and insurance and annuity licenses. In addition to her professional work, Maureen serves as President of Merrill's Orange County Chapter of The Women's Exchange and mentors young entrepreneurs while teaching financial literacy to future generations. She lives in Coto de Caza with her family and enjoys cycling, hiking, gardening, entertaining, and travel.

Andrea Vu is a financial advisor at Morgan Stanley with five years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2019 and previously held a role at Veritext Legal Solutions from 2016 to 2019. Andrea serves as a successor trustee and executor in an estate-related capacity outside of her advisory work. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outcome simulations.

Abhay Kothari is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. 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 employs structured financial planning tools to support client goals, managing approximately $2.74 trillion in client assets.

Bernardo Reyes is a financial advisor at Charles Schwab with two years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. His background also includes roles in consulting and education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment solutions with centralized custody and operational services.

Karim Mekhail is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2018, with prior roles at JPMorgan Chase Bank and Uber. J.P. Morgan Securities 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 brokerage, distribution, and investment management capabilities.