Todd Augustine is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial, Kinetca FCU, Edward Jones, Aflac, and Sanofi Pharmaceuticals. Todd is based in Newbury Park, CA. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

John Kennedy is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at LPL Financial since 2025. He previously spent 11 years at D.A. Davidson & Co. Kennedy is associated with AVENNDI LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Youcheng Wu is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior work includes multiple roles at Bank of America from 2016 to 2022 and involvement with Honhu Company in 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

John Bowers is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at LPL Financial, Ameriprise, and Gold Coast Securities, Inc. His business activities include managing Bowers Investment Management, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Jeannie Balmes is a financial advisor with Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Sarah Saito is a Series 66-credentialed financial advisor with 11 years of industry experience. She has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm incorporates quantitative modeling and ESG criteria in its investment process and operates within the broader J.P. Morgan broker-dealer and banking organization.

Lynn Lundring is a financial advisor with Thrivent Investment Management in Thousand Oaks, CA, holding the ChFC® designation and Series 63 and 66 licenses. She has 55 years of industry experience, including over two decades at Thrivent Investment Management and a decade with Thrivent Financial. Lundring serves as an emeritus member of the Board of Regents at California Lutheran University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm emphasizes planning services without discretionary trading authority and allows clients to combine planning with managed-account programs under consolidated billing.

Jessie Hawkins is a Series 66-licensed financial advisor with Morgan Stanley in Oxnard, CA, bringing 21 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 2004. Outside of her advisory role, she serves on the finance committee of the United Way of Ventura County. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including financial planning and estate strategy services. The firm manages approximately $2.74 trillion in client assets and implements a structured planning process using firm‑approved tools and market modeling techniques.

Bahram Khafajizadeh is a financial advisor with LPL Financial and holds a Series 66 designation. He has nine years of industry experience, including eight years with LPL Financial and concurrent roles at Premier America Credit Union and Goodwill Home Health Services. Outside of his advisory work, he is involved in a home-based child daycare business and sells cars as a hobby. LPL Financial serves a broad client base that includes individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and consulting services with discretionary and non-discretionary management options supported by research and technology tools.

Mark Hixenbaugh is a financial advisor with Thrivent Investment Management and holds Series 66 and Series 63 credentials. He has one year of experience in the industry and has previously worked with NYLIFE Securities LLC and New Life Insurance Company. Before entering the financial sector, he held various production roles in the entertainment industry. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering broad-based written financial recommendations without implementation, and emphasizes holistic, goal-based analyses through a network of financial advisors.

Linda Scipione is a financial advisor at Stifel with 35 years of industry experience. She has been with Stifel Nicolaus since 2008 and holds a Series 63 designation. She serves as a trustee for a non-family trust. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services with a focus on proprietary investment analysis and asset allocation guidance developed by its Investment Strategy Group.

Patricia O Sullivan is a financial advisor at Charles Schwab with Series 63 and Series 65 designations and three years of industry experience. She previously worked at MFS Investment Management and Boston Financial Data Services. 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 affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and order-routing arrangements.

Plato Guerre is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Sagepoint Financial, Inc., Pro.Act Wealth Solutions, LLC, and Icm. He is the owner of Pro.Act Wealth Solutions, where he developed proprietary software to manage client portfolios through his Wealth Management Platform. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and managed accounts that utilize both discretionary and non-discretionary strategies.

Nadia Klein is a financial advisor with LPL Financial in Moorpark, CA, holding a Series 66 designation and accumulating four years of industry experience. She has worked at Terry Wealth Management and LPL Financial LLC since 2019. Outside of advising, she has involvement in entertainment-related ventures, including Rough Diamond Entertainment and Tipsy Cow. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

Paige Overton is a financial advisor with Merrill in Oxnard, CA, holding Series 63 and Series 66 credentials and has 32 years of industry experience. She has worked at Merrill since 1997. Outside of advising, she also serves as a notary. 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, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Diego Reyes is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Lbs Financial Credit Union and Loomis, and spent six years at California State University - Long Beach. Outside of his advisory work, he owns an e-commerce business selling general merchandise on online marketplaces. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

Ronald Speakman is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 65 and Series 66 credentials and has worked at Cetera and its affiliated firms since 2025. Prior to that, he spent over 15 years at 1ST Global Advisors and has been a CPA since 2004. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Johanna Trujeque is a financial advisor at Morgan Stanley in Oxnard, CA, holding a Series 66 designation with 18 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual 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 planning process using firm-approved tools and market-based modeling techniques.

Jeffrey Beeh is a financial advisor with Thrivent Investment Management in Ventura, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and planning on various topics, with options to combine planning with managed-account programs while keeping services separate.

Elio Martinez is a financial advisor with LPL Financial in Ventura, CA. He holds a Series 66 designation and has been with LPL since 2025. Prior to his career in financial advising, his work history includes roles at Madewell, PacSun, Urban Outfitters, and other retail and service positions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, supporting both discretionary and non-discretionary management with resources including model portfolios and research.