Carina Bagboudarian is a financial advisor at UBS Financial Services with 15 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2013, following a prior role at Merrill in 2012-2013. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions tailored by proprietary research and model-based asset allocations.

Katelyn Gallagher is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 63 and Series 66 designations and is based in Newport Beach, CA. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Garland Sharp III is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 18 years of industry experience. He has worked at Charles Schwab since 2007 and has been affiliated with Charles Schwab Bank SSB since 2013. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and discretionary separately managed accounts, leveraging multi-asset model portfolios and research from its Center for Financial Research.

Kerry Mangano is a financial advisor with Stifel in Newport Beach, CA, holding a Series 63 designation and having 44 years of industry experience. He has previously worked at Wells Fargo Clearing and A.G. Edwards & Sons, Inc. before joining Stifel in 2018. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services with a proprietary investment methodology developed by its Investment Strategy Group.

Ni Liang is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Brea, California. He works alongside a team of professionals to provide clients with comprehensive financial guidance. Ni focuses on helping clients navigate their unique financial needs by discerning options that fit their individual circumstances, aiming to establish structures that support a more secure financial future. Before joining Merrill Lynch, Ni began his professional career in accounting, earning his CPA license. He later completed a Master of Business Administration degree from Loyola Marymount University and gained experience at BNY Mellon Wealth Management, where he advised ultra-high-net-worth families. His expertise includes investing, trust and estate planning services, residential lending, higher-education savings, and insurance. Ni advises a diverse client base, including families from the Chinese American community, as he is fluent in Mandarin. Outside of his professional role, Ni is involved in community organizations such as the Cal Poly Pomona Alumni Association and Junior Achievement. He also enjoys spending time with his family and participating in recreational activities.

Richard Umbarger is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Citigroup Global Markets. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering tailored financial planning and consulting services with a range of portfolio management options.

David Kistner is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 2001 to 2003. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to a wide range of individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Brian Moshenko is a financial advisor with Cetera who holds a Series 66 credential and has 23 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services for over two decades and has owned Moshenko & Associates Inc. since 1999, where he provides accounting and tax preparation services. He also serves as a board member of the Laguna Niguel Rolling Hills Community Association and as treasurer of Desert Oasis Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and has over $256 billion in assets under management.

Derek Draper is a financial advisor with Wells Fargo Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. He previously worked at Wells Fargo Clearing and Citigroup Global Markets. Outside of his advisory role, he is involved with DRAZAAR, LLC, and holds ownership in Stocks & Blonds LLC, an entity for boat ownership. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, estate, and specialized services such as business-owner transition and sports planning. Advisors use Wells Fargo’s research and tools to develop tailored recommendations, with clients choosing their level of implementation.

Charla Riley is a financial advisor with LPL Financial based in Aliso Viejo, CA, holding a Series 66 credential and bringing 26 years of industry experience. She has worked at LPL Financial since 2009, with previous positions at Merrill and UBS Financial Services. Outside of her advisory role, Riley teaches yoga meditation workshops and serves on the board of the Public Law Center, a 501(c)(3) organization. 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, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced research and operational tools.

Skylar Taylor is a financial advisor at Charles Schwab with six years of industry experience. Taylor holds Series 63 and Series 65 licenses and has worked at The Vanguard Group and various Charles Schwab entities since 2024. Outside of finance, Taylor has experience running a food service business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios with research-driven alternative investment options.

Isabella Domeyko is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Her prior work history includes roles in retail and administrative finance, as well as involvement with California Polytechnic State University San Luis Obispo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Yuxuan Dou is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized wealth management strategies. Fluent in Mandarin and English, Yuxuan focuses on helping new immigrants navigate the U.S. financial market with confidence. Her approach centers on building strong client relationships and delivering tailored strategies to meet individual financial goals. Yuxuan’s areas of expertise include education planning, family wealth management, legacy planning, managing new wealth, retirement and portfolio management, small business strategies, women and wealth, individual and corporate investment strategies, and retirement income. She holds the Personal Investment Advisor (PIA) designation and has over five years of experience in retail and corporate finance. Yuxuan earned both her Bachelor's degree in Business Management and her Master's degree in Business Analytics from the University of California System. Outside of her professional work, she enjoys adventure sports, biking, cooking, gardening, hiking, interior decorating, skiing, spending time with her family, traveling, and watching movies.

Dana Mcdonald is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2011, including prior tenure at City National Bank from 2018 to 2021. Outside of his advisory role, he manages a VRBO rental property business part-time. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored portfolio management and financial planning services through multiple wrap fee advisory programs, utilizing a combination of in-house and third-party investment managers.

Paul Fiocca is a financial advisor with Cetera, holding a Series 63 designation and bringing 29 years of industry experience. He previously worked at The Boeing Company for 33 years before joining Cetera Wealth Services, LLC in 2013 and continuing with Cetera from 2023. Outside of his advisory role, he serves as a board member of Dana Point Sister Cities International and as treasurer for the Crystal Cove Home Owners Association. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via a multi-manager platform, managing over $256 billion in assets.

Kristen Spang is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. She holds a Series 66 designation and has worked previously at LPL Financial, Tuvalu, and Tootsies Shoe Boutique. Outside of her advisory role, she is employed part-time in the insurance and human resources sector. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers access to multiple platforms, third-party advisers, and proprietary model strategies.

Genna Bolls is a financial advisor at Merrill based in Newport Beach, CA, holding a Series 66 designation. She has been with Merrill since 2013 and with Bank of America, N.A. since 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 offers model-based and discretionary investment strategies and supports individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Du Lu is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals. His expertise includes college and education planning, family wealth management, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Du holds a Bachelor's Degree from the University of California System and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Committed to the Merrill tradition of community involvement, he spends time volunteering with local organizations. Outside of work, Du enjoys baseball, basketball, football, golfing, and spending time with his family.

Christopher Dillon is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds the Series 66 designation and has been with UBS since 2014. Outside of his advisory role, he and his wife are partners in an LLC that owns a second home used as a rental property. UBS Financial Services serves individual, corporate, and institutional clients with 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.

Eric Chen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been overseeing assets for private clients and large institutions for 17 years, focusing on wealth building, corporate cash management, insurance, and family succession planning. Eric works primarily with senior corporate executives and business owners who have complex financial needs and limited time. His clients include business owners with operations in Hong Kong, China, Taiwan, and the Philippines. Eric holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and is also a Personal Investment Advisor (PIA). Eric earned a bachelor's degree from the University of California, Davis, with dual majors in economics and financial management. He speaks Mandarin and holds Merrill Life Agency's California License Number 0522776. Outside of work, Eric advocates for the San Francisco Film Festival and enjoys spending time with his family, as well as participating in adventure sports and cooking.