Jason Zeroll is a financial advisor with Charles Schwab in San Clemente, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves a large client base, 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 discretionary separately managed accounts and offers a multi-asset strategic allocation approach supported by in-house research and alternative investment options.

Rachel Lee is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Bank of America and Merrill since 2012. 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.

Mary Haithcock is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 credentials and 33 years of industry experience. She has been with Merrill since 1996. 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.

Justin Lacey is a Senior Resident Director and Wealth Management Advisor at Merrill, working with a select group of successful, time-constrained executives, business owners, physicians, and attorneys. He specializes in helping clients organize, protect, and align their financial lives with their most important priorities. His approach focuses on anticipating risk, preparing for uncertainty, and building resilient financial foundations to reduce exposure to unexpected financial events while implementing thoughtful strategies to grow and preserve wealth with clarity and purpose. Originally beginning his career in accounting, Justin holds a Certified Public Accountant (CPA®) license and is a CERTIFIED FINANCIAL PLANNER® professional, along with several advanced financial planning designations including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He graduated Magna Cum Laude from the University of Southern California with a double major in Business Administration and Accounting. Justin is affiliated with the University of Southern California Black Alumni Association and the Leventhal School of Accounting. Justin's personal experience with his father's health challenges influencing his family’s financial stability motivates his commitment to helping clients manage complexity across investments, taxes, risk exposure, and competing priorities. He delivers comprehensive planning and investment strategies designed to simplify financial management and provide proactive guidance to help clients focus on their careers and families. His client base often includes individuals and families dealing with concentrated positions, business ownership, multiple income streams, or situations requiring coordination across various financial decisions.

Rafael De Vengoechea is a financial advisor with Morgan Stanley, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has prior experience at Morgan Stanley Smith Barney and Citigroup Global Markets Inc. Morgan Stanley Wealth Management serves individual and institutional clients through a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate broad investment resources without providing individual security recommendations as part of standalone plans.

Ashley Chegren is a financial advisor with Osaic, holding a Series 66 designation and based in San Juan Capistrano, CA. Ashley has no prior industry experience but has worked in various roles outside financial advising, including positions at Restaurant 365 and XIX Palms. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diverse investment portfolios.

Robert Rettig is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory work, he is the owner of an automotive and transportation-related business, Rettig Rentals LLC, based in Irvine, California. Morgan Stanley Wealth Management provides a wide range of advisory services to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory programs.

Mohamed Abdalnaby is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2019. His prior experience includes roles at Target, Axa Advisors, Naeem Brokerage, and Beltone Financial Holding. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Bryce Darland is a financial advisor with LPL Financial, holding a Series 66 designation and having two years of industry experience. His prior firms include Ameriprise and Cetera Investors, and he has a background that includes roles in education at San Diego State University and Capistrano Valley Unified School District. 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 broad range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and advanced operational tools.

R Forrest is a financial advisor at UBS Financial Services with 26 years of industry experience. He has held his current position at UBS since 2014 and holds Series 63 and Series 66 credentials. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Jessica Combe is a financial advisor at Ameriprise in Aliso Viejo, CA, holding a Series 66 designation with three years of industry experience. She previously worked at Morgan Stanley for eight years and at Ameriprise Financial Services Inc. for four years. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized advice, primarily focusing on assets held in Ameriprise Managed Accounts.

David Sedrak is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2017, including a tenure at Morgan Stanley Private Bank beginning in 2018. Prior to that, he was with UBS Financial Services from 2015 to 2017. Outside of his advisory work, Sedrak owns and operates a retail and online store business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by proprietary tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Justin Beerman is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis.

Heidi Stangl is a CFP®-credentialed financial advisor with 10 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank for eight years before joining RBC Capital Markets in Newport Beach, CA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers a range of advisory programs and tailors investment strategies through a combination of in-house and third-party managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Trishia Olivas is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience in the financial services industry. She collaborates closely with individuals, families, and business owners to provide financial clarity and confidence by fostering open communication and understanding of clients' unique needs. Her expertise focuses on empowering women navigating life transitions such as divorce, widowhood, or major career changes; assisting business owners balancing company growth with personal financial planning; and guiding families in managing education savings and retirement planning. Trishia takes a collaborative and supportive approach, helping clients simplify complex financial decisions and build strategies tailored to their goals. Trishia holds a Bachelor's degree from the University of California System and holds professional designations including Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Certified Plan Fiduciary Advisor (CPFA). Outside of her professional work, she enjoys hiking, music, reading, running, spending time with her family, traveling, and practicing yoga.

Kun Er Lu is a financial advisor at LPL Financial with 23 years of industry experience. He has held his current role since 2008 and previously worked at Edward Jones for one year. He holds Series 63 and Series 66 designations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, portfolio management programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies with a range of investment options and supporting technology tools.

Ying Wang is a financial advisor at Ameriprise with 18 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Ameriprise in 2023, she worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC from 2013 to 2023. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver written, non-discretionary retirement recommendations through a centralized consulting team.

Melanie Lee is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2020. Her role involves partnering with individuals and families to simplify financial planning and develop customized plans aligned with clients' goals and objectives. Prior to her current position, she served as a Financial Consultant at Fidelity Investments from 2020 to 2024 and as a Financial Advisor at Kinetic Financial from 2016 to 2020. She holds a California Insurance License. Outside of her professional responsibilities, Melanie enjoys camping, family activities, fitness, golf, pets, and traveling.

Charles Goffin is a financial advisor with Wells Fargo Clearing in Mission Viejo, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a trustee for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Mark Crismon is a financial advisor at Merrill with five years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at JPMorgan Chase Bank NA for 12 years. Outside of finance, he owns and manages a travel agency, Terra Tour and Travel Advisors, LLC, which has been in operation for over 45 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.