Sean Leonard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Ameriprise Financial Services and Lionscove. He serves on the boards of the Boys and Girls Clubs of Greater Oxnard and Port Hueneme and is an investment committee member for CASA Pacifica, focusing on mental health services. He is also involved with the Kiwanis Thousand Oaks Youth Services Committee, working on youth literacy and community initiatives. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Brittany Bruce is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and six years of industry experience. Her career includes roles at Wells Fargo Bank NA, Wells Fargo Clearing Services LLC, and Commerce Bank. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing tailored investment solutions and acting as an ERISA fiduciary when advising clients.

Stephen (Steve) Moses is a Senior Financial Advisor with Merrill Lynch Wealth Management based in San Luis Obispo, California. He has been with Merrill Lynch since 2007 and brings over 20 years of experience in the financial services industry. Steve provides wealth and retirement strategies to individuals, executives, and corporations, utilizing a team of professionals within Merrill Lynch's global wealth management, investment banking, and research divisions. Prior to his current role, Steve served as CEO of a fine art company and was a Principal at Affinity Investment Advisors for six years. He holds several professional designations, including Certified Divorce Financial Analyst (CDFA®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA®). Steve is a graduate of the University of Southern California. Steve's approach emphasizes that true wealth encompasses more than money, focusing on achieving life goals, family security, career satisfaction, personal freedom, and the ability to assist others. Outside of his professional work, he has founded various organizations such as the Southern California Venture Network, the Orange County Hiking Club, the Orange County Medical Device group, and the CFO2CFO roundtable. Steve also enjoys cooking, surfing, and traveling.

Rodolfo Ruiz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has also worked at Wells Fargo Bank NA since 2014. Outside of his advisory role, he is involved in property management through partial ownership in rental properties and an investment group in Oxnard, California. 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 incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Matt Kokkonen is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked with Mass Mutual Life Insurance and MML Investors Services since 1990. Outside of his advisory role, he is involved in life, health, and property/casualty insurance as an agent and also participates in pension services and life settlements. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships that provide goal-based recommendations without investment discretion.

Joseph Boche is a financial advisor at Edward Jones with four years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Edward Jones, he worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He has also been employed in roles outside the financial sector, including positions at Santa Maria Ford and Galaxy Theaters Atascadero. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Jacob Nichols is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 13 years of industry experience. He previously worked at Merrill and Bank of America from 2017 to 2019, and Wells Fargo Advisors from 2014 to 2017. Outside of finance, Nichols owns and operates a family farm business, 2 Peas in a Pod / Mama's Preserves, which sells fruits, vegetables, and canned preserves. 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. The firm combines institutional advisory operations with affiliated brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Trina Cisneros is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at notable firms including UBS Financial Services, RBC Capital Markets, and Morgan Stanley. Cisneros is also a certified notary in the state of California. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors with various investment strategies and operational tools.

Hilda Gonzalez is a financial advisor with Wells Fargo Clearing in San Luis Obispo, CA, holding Series 63 and Series 66 designations and seven years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2019 and has two decades of experience with Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and third-party databases.