Nicholas Yates is a financial advisor at Raymond James Financial with five years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank. His background also includes a role at the Ventura County Community Development Corporation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals through various advisory programs.

Robert Napp is a financial advisor with LPL Financial in Camarillo, CA, holding a Series 63 designation and 38 years of industry experience. He has been with LPL Financial since 1999. Napp is also engaged in independent insurance sales, including long-term health and disability insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing model portfolios, research, and technology-supported investment approaches.

Devan Vellios is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Citigroup, Edward Jones, and Raymond James Financial Services. He is also involved with the Ventura County Credit Union, where he manages wealth services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by various research resources and advanced technologies.

Adam Biederman is a financial advisor with Morgan Stanley in Oxnard, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he was involved with Copycat Copywriters, a copywriting and branding firm, where he remains a minority co-owner and board member. He has also worked with NBC Peacock Productions. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and managed within a large, diversified platform.

Lawrence Bushey is a financial advisor at Cetera with 33 years of industry experience. He has held roles at Concourse Financial Group Securities Inc and has operated Bushey Financial Services since 1987. In addition to financial planning, he is involved in tax return preparation through his ownership of BFNTS Inc. 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 various portfolio management and retirement services, supporting both discretionary and non-discretionary account management.

Omar Herrera is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 65 and Series 63 licenses and previously worked at J.P. Morgan Securities, JPMC Bank NA, Bank of America, and various credit unions. Outside of his advisory work, he is involved in a health and fitness business offering personal training and nutritional guidance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technology-driven tools.

Michael Shalhoub is a financial advisor with LPL Financial in Oxnard, CA, holding a Series 66 designation and 24 years of industry experience. He has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Frances Jones is a financial advisor with Edward Jones in Ventura, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. 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.

Sean Patrick is a financial advisor with Cambridge Investment Research Advisors in Ventura, CA, holding a Series 63 designation and over 30 years of industry experience. He has worked with The Renaissance Group for more than two decades and was previously associated with Cetera Advisors LLC. Outside of his advisory role, he serves as treasurer of a local church and is an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, and charitable organizations. The firm provides financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of strategies and custody platforms tailored to client objectives.

Gewargis Betjoseph is a CFP® and Series 66 registered advisor with Edward Jones, based in Santa Paula, CA, and has eight years of industry experience. Prior to joining Edward Jones in 2017, he worked at 21st Century Fox and CBS. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Janet Foley is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. She has worked at Linsco Private Ledger since 2000. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

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 66 and Series 63 licenses and having 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 range of advisory programs and investment solutions supported by a large nationwide network of financial 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 21 years of industry experience. He has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp for 19 years. Acosta is involved in insurance sales, including traditional life, disability, and long-term care insurance, as well as fixed and indexed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services with a range of portfolio construction tools and access to third-party money managers.

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.