Chris Martin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1989, focusing on understanding the financial priorities and complexities of individuals, families, and businesses. Chris provides personalized attention and develops disciplined, customized financial strategies for his clients. Chris leverages the investment resources of Merrill Lynch Wealth Management and the banking strength of Bank of America to address various client financial needs, including investments, tax minimization, retirement assets, and services. He works to craft strategies aimed at helping clients build, manage, and preserve their wealth for present and future generations. His client focus areas include college education planning, personal retirement planning, and retirement income. Chris holds a Bachelor of Science degree in Finance from California State University Fullerton and an Associate's Degree from Cypress College. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), as well as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he enjoys golfing, hiking, refereeing, skiing, soccer, and spending time with his family.

Jennifer Shin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having 15 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. In addition to her advisory role, she is also an employee of JPMorgan Bank, which allows her to offer certain banking products and services. 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. The firm combines large institutional advisory capabilities with brokerage and investment management functions, delivering services through a non-discretionary program where clients retain final decision authority.

Melanie Boothe is a financial advisor with Fidelity, holding Series 66 and Series 63 credentials and 20 years of industry experience. She has worked with various Fidelity entities since 2016, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Outside of her advisory role, she works as a pet sitter and assists friends and family as a travel consultant. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to offer diversified model portfolios and advisory solutions.

Laura Dang is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at UnionBanc Investment Services and Union Bank from 2009 to 2021. 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Dayala is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 12 years of industry experience. He has been affiliated with Bank of America and Merrill since 2014. Outside of his advisory role, he engages in occasional sales of personal collectibles through online platforms such as eBay and StockX. 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, retirement plans, corporations, and charitable organizations.

Daniel Luddy is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo since 2011, including his current role at Wells Fargo Clearing since 2016. Outside of his advisory work, he serves as power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

John Nguyen is a Series 66-licensed financial advisor at Merrill with 16 years of industry experience. He has worked at Merrill since 2019 and previously spent three years at JPMorgan Securities LLC. 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 strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Pusateri is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previously worked at Charles Schwab & Co., Inc., TD Ameritrade, and Sang Guys. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

William Pegram is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Citigroup Global Markets and Bank of America Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Thea Lewis is a CFP® certificant with 24 years of experience in the financial services industry. She has worked at Charles Schwab and Charles Schwab Bank since 2017 and previously at American Funds from 2014 to 2017. Outside of her advisory role, she is involved with the Newport Mesa High School Sailing Foundation and serves on the Corona Del Mar High School Sailing Parent Advisory Board, where she helps manage logistics and event coordination. Charles Schwab & Co., Inc. serves a large client base of 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and research-driven alternative investment options.

Jason Zeroll is a financial advisor with Charles Schwab in San Clemente, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2017. 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 discretionary separately managed accounts and offers a multi-asset strategic allocation approach supported by in-house research and alternative investment options.

Rachel Lee is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Bank of America and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mary Easterday is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Merrill since 1996. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Lacey serves as a Senior Resident Director and Wealth Management Advisor, focusing on assisting successful, time-constrained executives, business owners, physicians, and attorneys. He specializes in organizing and protecting clients' financial lives, aligning their wealth management strategies with their priorities. Justin works with clients facing financial complexities such as concentrated positions, business ownership, multiple income streams, and situations requiring coordination across investments, taxes, and risk management. Justin's approach to financial advising is informed by his personal experience witnessing his father's health challenges and the subsequent impact on his family's financial stability. Initially an accountant, he transitioned to financial advising to become the advisor he wished his family had, emphasizing risk anticipation, uncertainty preparation, and building resilient financial foundations. He holds a Certified Public Accountant (CPA) license and is a CERTIFIED FINANCIAL PLANNER® professional, along with several advanced financial planning designations, including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Justin graduated Magna Cum Laude from the University of Southern California with a double major in Business Administration and Accounting. He is involved with professional organizations such as the USC Black Alumni Association and the USC Leventhal School of Accounting, as well as community involvement related to USC. His personal interests include baseball, basketball, boxing, football, music, refereeing, soccer, spending time with his family, and tennis.

Rafael De Vengoechea is a financial advisor with Morgan Stanley, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has prior experience at Morgan Stanley Smith Barney and Citigroup Global Markets Inc. Morgan Stanley Wealth Management serves individual and institutional clients through a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate broad investment resources without providing individual security recommendations as part of standalone plans.

Ashley Chegren is a financial advisor with Osaic, holding a Series 66 designation and based in San Juan Capistrano, CA. Ashley has no prior industry experience but has worked in various roles outside financial advising, including positions at Restaurant 365 and XIX Palms. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diverse investment portfolios.

Robert Rettig is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory work, he is the owner of an automotive and transportation-related business, Rettig Rentals LLC, based in Irvine, California. Morgan Stanley Wealth Management provides a wide range of advisory services to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory programs.

Mohamed Abdalnaby 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 JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2019. His prior experience includes roles at Target, Axa Advisors, Naeem Brokerage, and Beltone Financial Holding. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Bryce Darland is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise and Cetera Investors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

R Forrest is a financial advisor at UBS Financial Services with 26 years of industry experience. He has held his current position at UBS since 2014 and holds Series 63 and Series 66 credentials. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and proprietary research to tailor investment strategies to clients’ goals and risk tolerances.