Serena Tobias is a financial advisor at Morgan Stanley with 35 years of industry experience. She has been with Morgan Stanley since 2008 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling techniques.

Gary Chiate is a financial advisor at Stifel with 59 years of industry experience. He previously worked at Oppenheimer for 22 years and CIBC World Markets Corp. for 6 years. Outside of his advisory role, he is a partner in a family ranch in Montana and works as a cowboy alongside three of his sons. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions to guide asset allocation and planning.

Eric Peterson is a financial advisor with LPL Financial in Ventura, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 2005 and previously with Ameriprise from 1997 to 2005. He is also involved in non-variable insurance activities through West Coast Wealth Management and has worked with Aetna on individual and group medical insurance policies. 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 provides various financial planning and investment services through a large network of advisors, combining advisory platforms with a broad range of financial activities.

Mason Pendleton is a financial advisor at Morgan Stanley in Oxnard, CA, with four years of industry experience. He holds a Series 66 designation and previously worked at Corrigan & Company and Northern Arizona University. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its process.

Gaea Dawn is a financial advisor with LPL Financial in Ventura, CA, holding a Series 66 designation and 16 years of industry experience. She worked at Edward Jones for nine years before joining LPL Financial in 2019. Outside of her advisory role, she is a co-owner of a rental property in South Lake Tahoe. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

Spencer Taylor is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66, Series 65, and Series 63 credentials and has worked at Merrill since 2009, with a two-year gap in employment. Outside of his advisory role, he is a limited partner in a family limited partnership. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sean Worthington is a financial advisor with Charles Schwab in Oxnard, CA, holding a Series 66 designation and 20 years of industry experience. His career includes roles at Wells Fargo Bank and Wells Fargo Clearing before joining Charles Schwab and Charles Schwab Bank in 2018. Charles Schwab & Co., Inc. serves a broad 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 investment approach supported by centralized custodial and operational resources.

Bryan Cunningham is a financial advisor at LPL Financial with 28 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His prior roles include positions at NYLIFE Securities LLC, OneAmerica Securities, and Mass Mutual Investors Services. Cunningham also serves as a volunteer committee chairperson for the Alzheimer's Association, organizing and overseeing the Walk to End Alzheimer's. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, utilizing both proprietary research and third-party subadvisors.

Andrew Kremer is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 registrations and has worked within various Fidelity entities since 2014, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.

Matthew Jones is a CFP® and Series 66-registered financial advisor with Edward Jones in Ventura, CA, with 25 years of industry experience. He has been with Edward Jones since 2003. Outside of his advisory role, he manages rental real estate in Tampa, Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

James Roberts III is a financial advisor with Wells Fargo Advisors in Camarillo, California, holding a Series 66 designation and 10 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Bank of America and Merrill from 2016 to 2022. He is also involved in investment-related business activities, including ownership in Ridgeline Private Wealth Management, LLC, and FTS Capital Investment Group Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, and integrates advisory services with various financial product offerings.

M Cecilia Cuevas is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2004, she has accumulated nineteen years of experience in the financial services industry. Her expertise includes corporate benefit programs, such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. She assists corporate executives in integrating their corporate benefits into a comprehensive long-term financial strategy. Cuevas focuses on areas including divorce transition planning, employee benefits planning, family wealth management strategies, personal retirement planning, investment consulting for defined contribution plans, and portfolio management services. Cuevas holds multiple professional designations, including Certified 401(k) Professional (CkP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned a bachelor's degree from the University of Southern California and a master's degree from California Lutheran University. Fluent in both Spanish and English, she emphasizes one-on-one collaboration with clients to develop personalized financial strategies aimed at achieving their long-term goals. In addition to her professional work, Cuevas participates in community volunteer activities. Her personal interests include music, reading, swimming, and traveling. She is committed to acting in the best interest of her clients and supporting their financial wealth management objectives.

Thomas Ellis is a Series 66 credentialed financial advisor with 23 years of industry experience, currently affiliated with LPL Financial since 2019. His prior experience includes roles at Securities America Advisors, Arbor Point Advisors, and Foothill Securities. He is also involved with Ellis & Ellis, Inc., a business entity he has operated since 2009, and has worked with Thomas Aquinas College and Saint Augustine Academy since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisory tools and a broad spectrum of non-advisory financial activities.

Jonathan Morton is a CFP® and holds a Series 66 license with eight years of industry experience. He has been with Edward Jones since 2018 and previously worked at The Master's Seminary from 2016 to 2018. 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 offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jeffrey Werdesheim is a financial advisor at Stifel with 37 years of industry experience. He holds a Series 63 designation and previously worked at Oppenheimer for 22 years. He is a partner in Shadow Ranch Partners, a private investment partnership. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology that provides asset allocation and financial planning guidance using forward-looking capital market assumptions.

Jason Lloyd is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Morgan Stanley, Wells Fargo Clearing, Bank of America, Merrill, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory work, he has ownership in a non-investment business, The Grapeseed Company, based in Carpinteria, CA, which he co-owns with his spouse. 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, using structured discovery conversations and approved planning tools without providing individual security recommendations as part of standalone plans.

Jacques Manset is a financial advisor with Morgan Stanley in Oxnard, CA, holding a Series 63 designation and over 40 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including customized financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of financial services through its advisors and affiliated entities.

Todd Krueger is a financial advisor with Morgan Stanley in Oxnard, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Krueger serves as an officer and board director for LA Divisa Corporation, a mining company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured approach to financial planning using firm-approved tools and market simulations.

Nestor Gomez is a financial advisor at Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 credentials with 14 years of industry experience. He joined Morgan Stanley in 2022 after working for multiple Wells Fargo entities from 2016 to 2022. 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 financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

Scott Swartz is a financial advisor at Equitable Advisors in Oxnard, CA, holding the Series 66 designation with two years of industry experience. Before joining Equitable Advisors in 2024, he was self-employed for seven years and worked at T-Mobile for one year. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs to deliver customized investment solutions.