Kevin Le is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has prior professional roles at Ameriprise, First American Trust, Humana Inc, Velosio LLC, Argano LLC, and Tesla. He operated as a sole proprietor from 2017 to 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Neda Tavakoli is a Market Leader at Fidelity Investments, where she leads a team of associates dedicated to prioritizing client needs. In her role, she focuses on simplifying complex financial concepts and collaborating with clients to develop plans aligned with their goals. Her career at Fidelity Investments began in 2009 as a Financial Consultant. She progressed through roles including Director Retirement Planner, Assistant Branch Leader, and Vice President, Branch Leader before assuming her current position in 2025. Neda holds a California Insurance License. Outside of her professional responsibilities, Neda enjoys camping, family activities, exploring culinary experiences, outdoor adventures, running, and traveling.

Cody Voge is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked at Speedy Weedy and was employed for nearly a decade at Boundary Oak Golf Course. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of financial professionals.

Roya Cole is a financial advisor with Morgan Stanley in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2009. Cole serves as President of the Board and is a board member of the Laguna Beach Community Clinic Inc., participating on its Finance and other committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Richard Riegle is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2013. He has 12 years of industry experience and is based in Laguna Niguel, CA. 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 and operates a large nationwide network of advisors and branches, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Karen Jordan is a CFP® professional with 28 years of industry experience, currently serving at Charles Schwab. She has held roles at Charles Schwab Bank, SSB and TD Ameritrade Inc., and she operates a photography business alongside her advisory work. Karen is also a partner in a real estate and property management firm. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a centralized, integrated approach to wealth management.

David Mcdowell is a financial advisor with Morgan Stanley in Laguna Beach, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm focuses on tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Christopher Mullery is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley since 2009, previously working at Citigroup Global Markets. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured tools and broad investment strategies.

Neha Dixit is a Financial Advisor with Merrill Lynch Wealth Management, specializing in tailored wealth management strategies for individuals and families. With close to a decade of experience in the financial services industry, she assists clients in navigating investment management, retirement planning, and trust and estate strategies. Neha leverages Merrill's research and insights to deliver customized portfolios aligned with her clients' unique goals. Her expertise encompasses college education planning, family wealth management, investment consulting for defined contribution plans, liquidity management, portfolio management services, and retirement income planning. Neha holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Jai Hind College. She communicates fluently in English and Hindi. Outside of her professional work, Neha enjoys running, yoga, and spending time with her family. Her approach centers on transparency, trust, and simplifying complex financial challenges to empower clients in achieving their financial objectives.

Gerard Kinzel is the Vice President and Branch Leader at Fidelity Investments' Newport Beach Investor Center. In this role, he leads a team of financial professionals who provide clients with comprehensive wealth planning services, focusing on building lifelong relationships and assisting individuals and families in achieving their financial goals. Gerard has extensive experience in the financial services industry, having held various positions since 1998. His career includes roles such as Assistant Branch Manager at Fidelity Investments, Branch Manager and Financial Consultant at E*TRADE, as well as positions at McDonald Investments, Ameritrade, and Datek Online. He holds a California Insurance License. Outside of his professional responsibilities, Gerard enjoys spending time at the beach, playing golf, surfing, and traveling.

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 with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Charles Schwab, TD Ameritrade, and other firms. 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.

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.