Gracelyn Root is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 advisory approach is IPS-driven and grounded in modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options.

Eric Peterson is a financial advisor with LPL Financial in Ventura, California, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2005. Outside of his advisory role, he is involved with West Coast Wealth Management, a non-variable insurance business, and has experience applying to be appointed with Aetna for individual and group medical insurance policies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

David Folino is a CFP® professional with 41 years of industry experience. He is currently with Cetera and has held previous roles at Summit Financial Group Inc and Summit Brokerage Services Inc. In addition to his advisory work, he owns Folino Tax & Financial Network, a tax preparation business he has operated since 1985, and has a significant ownership interest in FTFN Insurance Services, providing life, disability, and long-term care insurance. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management strategies and financial planning services through a large network of independent advisors.

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 who holds a Series 66 designation and has 16 years of industry experience. She previously worked at Edward Jones for nine years before joining LPL Financial in 2019. Outside of her primary advisory role, she co-owns a rental property in South Lake Tahoe managed through Airbnb. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Alan Iinuma is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Sagepoint Financial, Inc. and Independent Capital Management. Outside of his advisory role, he assists clients with aspects of estate planning, including gathering information for living trusts, and refers clients to mortgage brokerage services when appropriate. OSAIC serves a diverse clientele including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios that may include a broad range of securities, managed on discretionary or non-discretionary bases.

Spencer Taylor is a financial advisor at Merrill with 14 years of industry experience. He holds Series 66, Series 65, and Series 63 licenses. His career includes prior roles at Bank of America and Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sean Worthington is a financial advisor at Charles Schwab with 20 years of industry experience and holds a Series 66 designation. He has worked at Charles Schwab since 2018 and previously held positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. 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 separately managed accounts, using multi-asset model portfolios and alternative investment offerings.

Lucia Perez is a Series 66-licensed financial advisor with Ameriprise in Santa Paula, CA, with 26 years of industry experience. She has been with Ameriprise and its related entities since 2000. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written Recommendation Reports and ongoing retirement income planning advice focused on dependable income and tax-aware withdrawal strategies.

Bryan Cunningham is a financial advisor with LPL Financial in Ventura, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 28 years of industry experience, including prior roles at New York Life, OneAmerica Securities, and Equitable Advisors. Outside of his advisory work, he serves as a volunteer committee chairperson for the Alzheimer's Association, organizing fundraising events such as the Walk to End Alzheimer’s. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement consulting, and brokerage services, supported by model portfolios, research, and both discretionary and non-discretionary management options.

Andrew Kremer is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at various divisions within Fidelity since 2014. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses proprietary research combined with quantitative and algorithmic portfolio construction to manage diversified model portfolios and serves as an advisor to multiple registered investment companies.

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.

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 financial advisor with LPL Financial, holding a Series 66 credential and 23 years of industry experience. He has been with LPL Financial since 2019 and previously worked at Securities America Advisors, Arbor Point Advisors, and Foothill Securities. Ellis is also involved with Thomas Aquinas College and Saint Augustine Academy and operates a separate business entity, Ellis & Ellis, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and employs both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Scott Gunn is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2020, following six years at WLACC. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

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.

Erik Lundring is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he is a co-owner of a real estate leasing business in Thousand Oaks, California. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, tax, and estate planning. The firm delivers goal-based analyses and allows clients to combine planning with managed-account programs while maintaining planning and investment management as separate services.

Jason Lloyd is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Bank of America, and Merrill. Outside of his advisory role, he has ownership in The Grapeseed Company, a non-investment business based in Carpinteria, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs and tailored financial planning supported by firm-approved tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment services.

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.