Janet Foley is a financial advisor with LPL Financial in Oxnard, CA, holding a Series 63 designation and 40 years of industry experience. She has worked at Linsco Private Ledger since 2000. 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 advisory and brokerage services, including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Kevin Folino is a CFP®-designated financial advisor at Cetera with three years of industry experience. Prior to his current role, he worked at Semtech Corporation for six years. He is also involved with Folino Tax & Financial Network, where he serves as a due diligence manager overseeing client transactions and office administration. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures, with more than $256 billion in assets under management.

David Soter is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Richard Frank is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. His prior experience includes 14 years at Sagepoint Financial, Inc. He is also involved in community service through volunteer roles with the Boy Scouts of America and the American Youth Soccer Organization, where he holds board and committee positions. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services. The firm employs various asset-allocation tools and supports multiple advisory platforms, with portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Jeffrey Sardo is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked previously at Prudential Advisors, Farmers Insurance, and Los Robles Regional Medical Center. J.P. Morgan Securities 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 institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis.

Israel Santiago is a financial advisor with Edward Jones in Oxnard, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of investment strategies and advisory services through a large network of advisors and branch offices.

David Allen is a financial advisor at Stifel with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Fahnestock & Co. Inc. for 22 years. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Abiel Acosta is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Osaic since 2025. Prior to joining Osaic, he worked for 19 years at Lincoln Financial Advisors Corp. His other business activities include the sale of traditional life, disability, and long-term care insurance, as well as fixed and indexed annuities. Osaic Wealth, Inc. serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction across multiple investment types.

John Cross is a financial advisor at Fisher Investments with 15 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2007. Fisher Investments serves a global client base including institutional investors, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment approach with quantitative and qualitative research to construct diversified portfolios and employs tax-aware and risk management strategies.

Kristofer Pettit is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at multiple firms, including Girard Securities and First Allied Securities. Pettit is also a licensed insurance agent and serves as a trustee for a spousal lifetime access trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a nationwide network of independent advisors and features a multi-manager platform with various program options and affiliations.

Jose Rubio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to joining Wells Fargo in 2024, he worked at JP Morgan Securities, Bank of America, Merrill Lynch, and Chase Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, using research and analytics to support its investment approach.

Miguel Noriega is a CFP®-certified financial advisor with Edward Jones, based in Oxnard, CA, and has 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Geoffrey Sebold is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 designations and has held roles at firms including Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial. Outside of his advisory work, he serves as the Director of Lacrosse Operations and Boys’ Varsity Head Coach at Oaks Christian School. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing asset allocation tools and risk assessment to construct portfolios across a wide range of investment types.

Cynthia Foscue is a financial advisor with Osaic Wealth, Inc., holding CFP®, Series 65, and Series 66 credentials and seven years of industry experience. She previously worked at Sagepoint Financial, Inc. and has a 15-year background with Advanced Lubrication Technology, Inc. Outside of advisory services, she is involved in insurance sales and acts as a statutory agent supporting living trust preparation. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services, utilizing advanced asset-allocation tools and multiple investment platforms to manage portfolios across a wide range of asset classes.

John Lopez is a financial advisor with LPL Financial in Ventura, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 1999. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of over 22,800 advisors and $819 billion in discretionary assets.

Roy Valdez is a CFP®-designated financial advisor with Edward Jones, based in Camarillo, CA. He has 10 years of industry experience, having worked at Edward Jones throughout this period. 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 advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

D'vonne Day is a financial advisor at OSAIC with two years of industry experience. She holds Series 63 and Series 65 registrations and has previously worked at Pro-Act Wealth Solutions, Aflac, and operated D'Vonne Day and N2 Publishing. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing.

Michael Hanson is a CFP® with 19 years of experience in the financial industry, currently affiliated with OSAIC since 2007. In addition to his advisory role, he owns an art production and sales business and serves as a director of his local homeowners association in Oxnard, CA. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage and advisory services through a wide network of advisers and multiple platforms. The firm employs various asset-allocation tools and provides access to third-party money managers and managed account solutions.

Dan Wilkens is a financial advisor at Cetera with 37 years of industry experience and holds a Series 63 designation. He has been with Cetera and its affiliated entities since 2013 and is also a partner involved in farming activities through TJD Wilkens Farms, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that combines affiliated and third-party model portfolios across a mix of discretionary and non-discretionary program structures.

Maxwell Soter is a financial advisor with Morgan Stanley in Oxnard, CA. He holds a Series 66 designation and has been with Morgan Stanley since 2024, with breaks in employment in the intervening years. Prior to his current role, he worked at Ripcurl for five years and also has experience as a high school employee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.