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.

Daryl Riley is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 39 years of industry experience. He previously worked at Crown Capital Securities, Wells Fargo Clearing, and Wamu Investments, Inc. Outside of his advisory work, he is a fitness instructor. 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.

Harvey Ivory is a financial advisor at Edward Jones with nine years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Edward Jones in 2017, he worked at Dassault Systemes from 2013 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Christina Parushev is a financial advisor with Morgan Stanley in Irvine, CA, holding a Series 66 license and 13 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is involved in elder care, providing in-home caregiving for her elderly mother through the Orange County IHSS Public Authority. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to develop financial plans.

Michael Ramsey is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Nuveen Securities and JPMorgan Chase Bank. Ramsey is employed by both JPMorgan Securities and JPMorgan Bank, the latter offering a broad range of bank products and services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client investment decisions.

Kent Struck is a financial advisor at Stifel with 33 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Feifei Zhang is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, TD Ameritrade, and Axa. She is based in Irvine, CA. Merrill 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 investors, and charitable organizations.

Matthew Belden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Glenn Stoddard is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he serves as a Director at Large for The Association for Corporate Growth Orange County, a networking organization. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides a range of investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations supported by proprietary research and planning tools, with services addressing various financial planning needs and optional implementation through brokerage or advisory programs.

Thomas Raguse is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with both OSAIC and Liberty Capital Management since the mid-1990s. Outside of his advisory work, he is involved in business consulting related to insurance policy reviews and managing technology infrastructure for Liberty Capital Management. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across various asset classes, supporting both discretionary and non-discretionary management alongside multiple advisory platforms.

John Watson is a financial advisor with Ameriprise in Tustin, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked at Robert Half and spent time at Auburn University for both employment and education. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies through a collaborative, non-discretionary approach.

Luke Heynen is a financial advisor with Wells Fargo Advisors in Irvine, CA, holding a Series 66 designation and having two years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at KHR Associates and Best Buy. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning services covering topics such as retirement, education, risk, and wealth-transfer planning, and integrates advisory services with other financial products and referral channels.

Peggy Pinkerton is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill Lynch and Raymond James Financial Services. Pinkerton has been with Morgan Stanley since 2023. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its advisory process.

Jianming Zang is a financial advisor with J.P. Morgan Securities in Irvine, CA, holding a Series 66 credential and seven years of industry experience. Prior to joining J.P. Morgan, he worked at Merrill and Bank of America. Outside of his advisory role, he is involved with a family-owned retail food promotion business and works as a contractor for a nonprofit Chinese language school teaching children. J.P. Morgan Securities LLC 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.

Michael Yanez is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill from 2014 to 2023. Outside of his advisory role, he serves as treasurer for Bass Addicts, a club focused on lake conservation and responsible angling. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a discretionary 3(38) investment option, with a broader set of financial products than typical institutional advisers.

Christy Hatch is a Planning Consultant at Fidelity Investments, a role she has held since 2019. In her position, she focuses on listening and understanding the priorities of clients and their families to create financial plans tailored to their goals. Christy aims to educate, support, and collaborate with clients throughout the financial planning process. She holds a California Insurance License, which supports her work in providing comprehensive financial planning services. Outside of her professional responsibilities, Christy has personal interests that include cooking and baking, exploring food as a foodie, parenthood, and traveling.

Dean Holmes is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 66 credential and has worked previously at Lincoln Financial Advisors Corporation, Agia, American General Financial Advisors, Inc., and VALIC Financial Advisors, Inc. Outside of his advisory role, he is involved with offering and servicing fixed insurance products through Oakwood Wealth Partners and serves as successor trustee and financial power of attorney for his family trust. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a broad network of affiliated advisors. The firm employs asset-allocation tools and third-party platforms to provide integrated brokerage, advisory, and managed account services.

Joshua Tiffany is a financial advisor with LPL Enterprise in Irvine, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. Tiffany is also a Prudential-sponsored non-variable insurance agent. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm emphasizes model-driven investment implementation and access to third-party asset managers and insurance products through a network of investment adviser representatives.

Amit Patel is a Series 66-licensed financial advisor with nine years of industry experience. He currently works at Fidelity Investments and has previous experience at JP Morgan Chase Bank, Merrill, and Bank of America. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios to intermediary platforms.

Terrance Blanchard is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He has held roles at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. He holds Series 63 and Series 65 designations. 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. The firm’s IPS-driven process includes investment policy statement preparation, investment recommendations across a broad range of vehicles, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.