James Summers is a financial advisor with LPL Financial in Dana Point, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at Sagepoint Financial, OSAIC Services, and A. G. Edwards & Sons. Outside of his advisory work, Summers is involved with J & S Insurance, an insurance agency he has operated since 2008. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Alexandra Nichols is a CFP® and holds a Series 66 license, with 12 years of experience in the financial industry. She has worked at Wells Fargo Clearing since 2021 and previously spent five years at UBS Financial Services Inc. 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.

Derek Johnson is a financial advisor with LPL Financial in Laguna Niguel, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He worked at Wells Fargo Clearing for three years before joining LPL Financial in 2013. 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 investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by technology tools.

Cory Mitchell is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Fisher Investments and Branch Banking and Trust. Outside of finance, he has worked as a delivery driver for DoorDash and Instacart. 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 offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational structure.

Sridhar Akkapeddi is a financial advisor with Wells Fargo Clearing in Newport Beach, CA, holding Series 63 and Series 65 licenses and having nine years of industry experience. His career includes multiple roles within Wells Fargo entities and Hilltop Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment selection. The firm uses an IPS-driven approach based on modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options in its investment menus.

Julianne Butler is an Investment Management Consultant II at Fidelity Investments. She has been with Fidelity since 2020, serving as an Investment Consultant before her current role. Prior to joining Fidelity, she worked at TD Ameritrade in various positions including Senior Financial Consultant, Financial Consultant, and Business Development Specialist from 2018 to 2020. Earlier in her career, she was a Teller at JPMorgan Chase from 2015 to 2018. Julianne holds a California Insurance License. In her role as a Planning Consultant, she focuses on understanding the priorities of her clients and their families. She aims to educate and assist them in achieving their financial goals by collaborating to develop personalized financial plans.

William Yuen is a financial advisor with Raymond James & Associates, holding a Series 66 credential and 25 years of industry experience. He previously worked at Oppenheimer for nine years before joining Raymond James in 2022. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a diverse range of portfolio management styles and affiliated research.

Scott Cop is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to joining Edward Jones in 2025, he worked at Mortgage Moneyline, Fidelity Investments, and Invesco. He is also the owner of Thankless Living Corp, a sales and marketing consulting business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Gary Edkins is a financial advisor at LPL Enterprise with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with VISION! Executive Insurance & Financial Services, a business related to his advisory activities. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s approach is model-driven, using portfolios developed by internal and third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Alecsander Bertok is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has prior experience at United Wholesale Mortgage. Bertok studied at the University of Dayton and was involved with its Athletic Department during his time there. Merrill, along 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Trent Baxter is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2016. Prior to his advisory role, he worked at Irvine Valley College for three years and Cal State Fullerton for five years. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Paul Miller is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently with Morgan Stanley, having joined the firm in 2025 following a 16-year tenure at UBS Financial Services. Outside of his financial advisory work, he is the owner of a fitness business called Twenty Minutes to Fitness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services, including tools such as Monte Carlo simulations and Secular Return Estimates in its planning process.

Charles Hearn is a financial advisor with LPL Financial in Newport Beach, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 49 years of industry experience and has been with LPL Financial since 2000. Hearn serves as a non-profit board member for the STARCARE Foundation and is involved in selling fixed insurance products through related entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Andrew Mcfarland is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Fisker Inc. and MUFG Securities Americas Inc. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Austin Mascorro is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at First Republic Bank and Bank of America. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Fady Mansour is a financial advisor with Morgan Stanley in Laguna Niguel, CA, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley since 2018 and previously was employed at Merrill and Colorado State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Batala Fortes is a financial advisor at OSAIC with three years of industry experience. They hold a Series 66 designation and previously worked at LPL Financial, LLC and Zuk Financial Group. Outside of their advisory role, Fortes serves as trustee of the Manuela A. Fortes Family Trust. OSAIC serves a broad range of clients, including individual and institutional investors, by offering integrated brokerage, financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Gerald Zelko Sr. is a CFP® professional with 33 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He serves as an endowment fund committee member for Noble Vikings Charities and is on the finance committee for the Make A Wish Foundation. 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 approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Charmin Wu is a financial advisor at Cetera with 23 years of industry experience. She holds the CFP® designation and Series 66 license. Her prior experience includes roles at Intuit and RA Lotter Insurance Marketing Inc., and she has been involved in health insurance services through Anthem BlueCross and Covered California. Wu also operates a tax preparation and accounting business, providing corporate and individual tax services as well as fractional CFO support. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and utilizes a multi-manager platform combining affiliated and third-party investment strategies.

Julia Bica is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Raymond James in 2026, she worked at Ameriprise, Comerica Bank, SC Distributors, and Sandy's. Raymond James & Associates serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional consulting services. The firm employs tailored planning based on risk profiling and software-driven analyses, with a range of portfolio management styles supported by affiliated research and model managers.