Dylan Johnson is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and previously worked at Western International Securities, Wells Fargo Clearing Services, and Vertical Capital Asset Management. Outside of his advisory role, he is involved with Johnson Wealth Group, a business entity affiliated with his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by research tools and a wide network of investment adviser representatives.

Ruben Smith is a CFP® certificant with 22 years of experience in the financial services industry. He is currently affiliated with LPL Financial, where he has worked since 2022. His prior experience includes roles at JPMorgan Securities LLC and Osaic FA, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, supported by a large network of investment adviser representatives and various institutional platforms.

Marco Aguirre Espinosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Clearing since 2021 and previously held roles at LYFT and Wells Fargo Bank, N.A. Outside of his advisory work, he has also worked as a driver for LYFT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and acting as an ERISA fiduciary when providing investment advice.

William Parton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience spanning multiple roles in financial services since 2018. His background includes positions at Armada Analytics, HG Sply, Hanley Investment Group, and Wells Fargo Advisors, as well as earlier work outside finance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including investment options such as insurance-related vehicles and bank deposit sweep programs.

Leo Pravednikov is a Series 66 licensed advisor at Merrill with one year of industry experience. Prior to joining Merrill, he worked at Bank of America and has been involved with Raki Volleyball since 2026. He also attended UC San Diego from 2022 to 2026. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Richard Ward is a CFP® with 47 years of industry experience, currently serving as a financial advisor at Stifel since 2012. His professional affiliations include memberships and board roles with several nonprofit organizations focused on philanthropy and community engagement, such as Advisors in Philanthropy Orange County Chapter and OneOC. He is also the author of the self-published book *Redefining Retirement* and is involved in organizing educational events that promote community involvement. Stifel serves a diverse client base including individual, institutional, and charitable clients, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides a range of fee-based financial planning and asset allocation services tailored to client needs.

Ashley Lyne is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise, Ashley held positions at The Ups Store and spent time at Durham University and La Salle University. Outside of financial advising, Ashley is involved with The Ups Store. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Erik Heimstaedt is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing for ten years. Outside of his advisory role, he is involved in managing a rental property in Newport Beach, CA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics to evaluate investment options and provides both brokerage and advisory solutions at a large scale.

Joseph Mccullough Jr. is a financial advisor with Charles Schwab in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with Charles Schwab since 2006 and Charles Schwab Bank, SSB since 2011. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab Center for Financial Research due diligence.

Timothy Werth is a financial advisor at Edward Jones with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.

Alexandria Lopez is a financial advisor with Osaic, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at LPL Financial LLC, South Orange County Financial Planning, and various companies in the beauty and retail sectors such as ILIA Beauty and Charlotte Tilbury Inc. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.

Scott Caston is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Caston is based in Newport Beach, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and corporate financial planning agreements.

Sergio Soto is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. His prior roles include positions at Merrill, Bank of America, and Unionbanc Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kevin Bonner is a financial advisor with Merrill in Irvine, CA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill since 2018 and Bank of America, N.A. since 2025, along with prior experience in contracting at Dan Spain Contracting. 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.

Jack Fierro is a financial advisor at RBC Capital Markets with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Citigroup, Aaron Capital, Wells Fargo Advisors, and Irfan Consultancy. He also attended Carnegie Mellon University from 2019 to 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside extensive capital-markets capabilities.

Lorraine Boris is a financial advisor with J.P. Morgan Securities in San Juan Capistrano, CA, holding Series 63 and Series 66 licenses and having 13 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. Outside of her advisory role, she serves as a board member of a local Parent Teacher Association. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and a centralized due-diligence framework.

Mark Stanga is a financial advisor at Charles Schwab with one year of industry experience. He previously led The Stanga Group for ten years before joining Charles Schwab and Charles Schwab Bank, SSB. He holds a Series 66 designation and is based in Newport Beach, CA. Charles Schwab & Co., Inc. serves a large client base, 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Robert Schultz is a financial advisor with RBC Capital Markets based in Newport Beach, CA. He holds Series 63 and Series 65 licenses and has 38 years of industry experience. His prior work includes roles at City National Bank, Wells Fargo Clearing, Wells Fargo Advisors LLC, and UBS Financial Services Inc. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management and tailors investment strategies to each client's risk profile using a mix of in-house and third-party managers.

Kevin Kearney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He applies a comprehensive approach to wealth management, focusing on personalized strategies that consider each client’s full financial picture. Kevin works with individuals, families, and businesses to address a range of financial needs, including divorce transition planning, family wealth management, legacy planning, tax minimization, retirement income, and services for institutional clients such as endowments, foundations, and non-profits. Before joining Merrill Lynch, Kevin spent close to ten years in private industry managing various aspects of a manufacturing and distribution company, which helped him discover his passion for financial consulting. His professional designations include Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's degree and an MBA from the California State University System. Kevin is involved with the Susan Komen Foundation and incorporates a family-first philosophy in his work with clients. Personal interests he enjoys outside of work include cooking, golfing, music, skiing, tennis, and spending time with his family. Banking and lending services are provided through Bank of America, N.A.

Christina Henderson is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Henderson Clemmer Group. She provides wealth management services to individuals, families, and business owners by helping create financial roadmaps designed to achieve their goals. Christina works with select families, closely held business owners, executives, and single women, leveraging Merrill's planning resources to tailor strategies across life events including retirement, legacy planning, and educational planning for younger generations. With a career in financial services since 2003 and with Merrill Lynch since 2010, Christina holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned her bachelor's degree from Arizona State University. A Southern California native residing in south Orange County, Christina lives with her husband Rob, their children, and dog. She is engaged in her community, having served as a past board member of NAWBO-OC, past Women United Chair for United Way OC, and past Women's Guild Chair for WHW. She enjoys spending time outdoors with her family and is passionate about volunteering.