James Kemp is a financial advisor with Wells Fargo Clearing in San Clemente, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo in various capacities since 2003, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he is involved in managing short-term rental properties jointly owned with his spouse. 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 advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Phuong Dang is a CFP® with 12 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, Dang held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Adam Liquori is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at FSC Securities Corporation. Liquori serves as President and board member of APL Wealth Management Inc. and is a board member of the Laguna Niguel Military Support Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Marc Didomenico is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. Outside of his advisory work, Didomenico serves as a board member of Newport Social Group and is an ambassador for the Newport Beach Chamber of Commerce. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and utilizes a variety of third-party program sponsors and advisory models.

Gregory Maniaci is a financial advisor at Morgan Stanley with 40 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and holds Series 63 and Series 65 licenses. Outside his advisory role, he is involved with XM Properties LLC, a real estate business. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and investment modeling but generally acts in an advisory capacity without offering individual security recommendations as part of standalone planning.

Timothy Brady is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. His career includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, TD Ameritrade, and Scottrade. 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 multi-asset model portfolios supported by centralized custody and operational infrastructure.

Alicia Mckie is a financial advisor with Mass Mutual Investors Services in Newport Beach, CA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. She has worked at MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Outside of her advisory role, she serves as an employee and director of wealth management at The Hermann Financial Group Inc. and is a board member and trustee for the Westerly School of Long Beach. MassMutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, charities, and employers, utilizing firm-approved tools and delivering written recommendations through annual collaborative engagements.

Steven Dickel serves as Vice President Private Wealth Management Advisor at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 1997, previously holding roles such as Vice President, Financial Consultant; Private Access Account Executive; and Financial Representative. Prior to joining Fidelity, he worked as a Financial Advisor at American Express Financial Advisors from 1991 to 1997. With over 30 years of experience in wealth management, Steven and his team provide personalized services that address the complexities of wealth through comprehensive wealth planning and a wide array of investment options. He holds a California Insurance License. Outside of his professional work, Steven enjoys biking, family activities, gardening, and sailing.

Frank Lu is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America and Merrill. Outside of his advisory role, he owns and manages rental properties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Wilmington Games is a financial advisor with J.P. Morgan Securities, holding the ChFC® designation and Series 63 and 66 licenses, with 12 years of industry experience. He has worked at various divisions within JPMorgan Chase and J.P. Morgan Securities since 2013, as well as at Bank of America and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Amy Kamps is a financial advisor at LPL Financial with 25 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2000 and Financial Advisors Network since 2014. In addition to her advisory role, she is involved in medical and life insurance sales through Kamps Asset Management Planning Services, Inc. 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 other institutions. The firm offers a range of financial planning and asset management programs, supported by technology tools and a broad platform that includes affiliated insurance services and banking partnerships.

Eliseo Lopez Ornelas is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive financial guidance tailored to his clients' individual goals. He works closely with clients to understand their priorities and develops strategies aimed at achieving their short-, mid-, and long-term financial objectives. With expertise spanning general investing, retirement planning, and risk management, Eliseo serves as a resource for a range of financial needs. He also facilitates access to specialized services within Bank of America, including banking, credit, home financing, and small business solutions. As a Personal Investment Advisor (PIA), he offers ongoing advice and adjusts strategies as clients' circumstances evolve. Eliseo holds a Bachelor's degree from California State University Dominguez Hills and a Master's degree from DeVry University. He conducts his advisory services in both English and Spanish.

Chandler Billman is a financial advisor with Fidelity Investments in Mission Viejo, CA, holding Series 63 and Series 66 registrations and three years of industry experience. His prior work includes roles at LBS Financial Credit Union and Bank of America. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on portfolios including mutual funds, ETFs, and ETPs.

Gregory Tobey is a financial advisor with LPL Financial in Orange, California, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in an online business that generates nonhazardous products. 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 a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives using both proprietary and third-party strategies.

Angel Nguyen is a financial advisor with Morgan Stanley in Irvine, CA, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has worked at Morgan Stanley since 2012 and with Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management serves individual and institutional clients through a range of advisory programs, including tailored financial planning that employs firm-approved tools and methodologies to model financial outcomes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and under corporate financial planning agreements.

Shannon Flood is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel, Shannon worked at Washington State University and held a position at Riptide Sushi. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Ramilo Reyes is a financial advisor at LPL Financial in Newport Beach, CA, holding a Series 66 designation with five years of industry experience. He has worked at Pence Capital Management and Pence Wealth Management since 2021 and previously spent three years with Capital Group Companies. Reyes also provides administrative support for Pence Capital Management LLC, an independent investment advisory firm. 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 and access to third-party asset management, supported by a large network of investment adviser representatives.

Mihran Aroutunian is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes roles at Merrill, Bank of America, N.A., and BMO Bank, N.A. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and various operational tools.

Adam Hout is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lido Advisors, Hout Financial Services, and Charles Schwab Bank. Outside of financial advising, he is a vice president of Hout Construction Services, a family-owned engineering business. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Robert Koch is a Branch Leader at Fidelity Investments, a position he has held since 2020. In this role, he partners with branch associates to create an environment that leverages their talents to enhance client relationships and address financial needs. Prior to this, he served as Branch Service Manager at Fidelity Investments from 2007 to 2020. Mr. Koch has extensive experience in the financial services industry, including roles such as Vice President and Branch Manager at TD Ameritrade, Inc. from 1999 to 2007, Assistant Branch Manager and Account Officer at TD Waterhouse between 1995 and 1999, Stockbroker at J.B. Oxford & Company from 1994 to 1995, and Special Agent at The Prudential Preferred Financial Services, Inc. from 1993 to 1994. He holds a California Insurance License.