Debra Patriquin is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1994 and has been with Merrill Lynch for 28 years. Her areas of focus include Divorce Transition Planning, Education Planning, Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Legacy Planning, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, Socially Responsible and ESG Investing, and Women and Wealth. Debra holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She received her Bachelor's Degree in Business Administration with a minor in Journalism from the University of California Riverside and has completed additional academic training in finance and management through the University of California system. Outside of her professional work, Debra is a member of the Anaheim Hills Rotary Club and serves as the Youth Service Chair. She enjoys spending time with her family, including her two teenagers, and participates in activities such as traveling and golfing.

Jason Stephens is a financial advisor with Merrill in Laguna Niguel, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Merrill since 2009. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colin Peterson is a financial advisor with Fidelity Investments in Mission Viejo, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Farmers Insurance and Second East. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct systematic model portfolios across mutual funds, ETFs, and ETPs.

Brian Hale is a financial advisor with LPL Financial based in Dana Point, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Financial Advocates Investment Management and Waddell & Reed, Inc., and operates Hale Lamb & Associates LLC. Outside of advisory work, he is involved with Hale Chaplain Ministries, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options supported by research and model portfolios.

Norma Jane Soto is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, she worked at Bank of America, N.A. and held multiple roles at Sherwin-Williams Company. 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.

Jing Jin is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 8 years of industry experience. Prior to joining Merrill in 2018, Jing worked at Banc of California from 2016 to 2018. 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Casey Williams is a financial advisor at UBS Financial Services with 17 years of industry experience. He has been with UBS since 2016 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources to support client strategies.

Olivia Smith is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Proabition and Downtown Experiment, along with experience in various hospitality-related positions. 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 affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining model portfolios with access to affiliated discretionary separate managed accounts and a formal alternative investments program.

Thomas Nieto is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Merrill. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of specialized planning options.

Emily Gai is a financial advisor with Morgan Stanley in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques to assist clients in their financial decisions.

Brandon Espley is a financial advisor at Merrill with nine years of experience at the firm and two years in the industry. He holds a Series 66 designation. Prior to Merrill, he worked at Kohl’s and taught at Orange Coast College. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jack Azar is a financial advisor at Equitable Advisors with 41 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Cooper McManus, Cambridge Investment Research, Inc., and Crown Capital Securities, Lp. Outside of his advisory role, he is a licensed insurance agent specializing in property and casualty and group health insurance, making referrals to Risk Strategies. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and multiple endorsed TAMPs.

Brandon Baldwin is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2011. In his role, he focuses on investment management and retirement planning, working primarily with corporate executives, small business owners, and retirees. Brandon applies a comprehensive financial planning process that emphasizes establishing clear objectives, defining strategy, implementing recommendations, and reviewing progress to help clients achieve long-term financial security. Brandon holds an M.B.A. with a concentration in Finance from the University of La Verne and earned his bachelor's degree from San Diego State University in 2004. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor® (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans college education planning, employee benefits, defined benefit plans, liquidity management, portfolio management, small business strategies, and retirement income. Residing in Newport Beach with his wife and two children, Brandon enjoys outdoor activities such as hiking local trails and spending time at the beach. He is also engaged in community volunteer work, reflecting his commitment to the communities he serves.

Emily Sekulic is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she works closely with clients to understand their current financial situations and assist them in pursuing their future financial goals. She is dedicated to connecting all aspects of clients' financial lives to help simplify, prioritize, and pursue the goals that matter most to them. Emily provides access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America, tailoring personalized wealth management strategies based on individual priorities. Before her career in financial advising, Emily earned a Bachelor's Degree in Economics and History from the University of Virginia, followed by a Juris Doctorate Degree from Thomas Jefferson School of Law. She holds professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Emily has been licensed as an attorney in California but does not provide legal advice in her current role. Emily is engaged in various professional and community organizations, including Athena SD, the Sharp Health Care Foundation's "Growing Together" Campaign for Healthier Babies as a council member, and previously served on the Thomas Jefferson School of Law Alumni Association Board of Directors. She also participates in activities at The New Children's Museum. Her personal interests include hiking, painting, running, traveling, watching movies, and yoga.

Charles Doering is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015. Based in Laguna Niguel, CA, his career has been focused within the Morgan Stanley organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Scott Puff is a financial advisor with Raymond James & Associates in Newport Beach, CA, holding Series 63 and Series 66 credentials and over 33 years of industry experience. He has been with Raymond James & Associates since 2006 and leads Black Swan Productions, a venture ongoing since 2007. Outside of his advisory role, he contributes to MYXER Social Radio by helping refine their online music offering. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, drawing on a broad range of portfolio management styles and affiliated research.

Nick Hogg is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Long Beach State Athletics. 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 brokerage, distribution, and investment management capabilities.

Derek Strombotne is a Planning Consultant at Fidelity Investments, where he currently works to support clients in making informed financial decisions. He emphasizes education in his approach to advising clients and their families. Derek has accumulated professional experience across several roles at Fidelity Investments since 2024, including positions as a Relationship Manager and Investment Solutions Representative. Prior to joining Fidelity, he worked as a Financial Consultant at PruCo Securities LLC from 2022 to 2023. Derek holds a California Insurance License. Outside of his professional work, Derek has personal interests that include comedy, cooking and baking, music, skiing, and surfing.

Todd Sherman is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has been with Merrill since 2016. 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 and profit-sharing plans, corporations, and charitable organizations.

Bryan Koy is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 10 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held roles at Wells Fargo Advisors and Diversifive, Inc. He is based in Newport Beach, CA. 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 operations with brokerage, distribution, and investment management capabilities.