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 in Ventura, CA, holding a Series 66 designation and 16 years of industry experience. She worked at Edward Jones for nine years before joining LPL Financial in 2019. Outside of her advisory role, she is a co-owner of a rental property in South Lake Tahoe. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

Alan Iinuma is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Sagepoint Financial, Inc. and Independent Capital Management. In addition to his advisory work, he is involved in facilitating estate planning and asset protection services and has experience in mortgage referral and insurance specialist roles. 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 focus on diversified portfolio construction using various asset classes and third-party money managers.

Spencer Taylor is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has worked at Merrill and Bank of America over the course of his career. Outside of his advisory role, he is a limited partner in a family limited partnership. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing 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 at LPL Financial with 28 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His prior roles include positions at NYLIFE Securities LLC, OneAmerica Securities, and Mass Mutual Investors Services. Cunningham also serves as a volunteer committee chairperson for the Alzheimer's Association, organizing and overseeing the Walk to End Alzheimer's. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, utilizing both proprietary research and third-party subadvisors.

Andrew Kremer is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked across multiple divisions of Fidelity since 2014, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

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.

James Roberts III is a financial advisor with Wells Fargo Advisors in Camarillo, California, holding a Series 66 designation and 10 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Bank of America and Merrill from 2016 to 2022. He is also involved in investment-related business activities, including ownership in Ridgeline Private Wealth Management, LLC, and FTS Capital Investment Group Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, and integrates advisory services with various financial product offerings.

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 Series 66 credentialed financial advisor with 23 years of industry experience, currently affiliated with LPL Financial since 2019. His prior experience includes roles at Securities America Advisors, Arbor Point Advisors, and Foothill Securities. He is also involved with Ellis & Ellis, Inc., a business entity he has operated since 2009, and has worked with Thomas Aquinas College and Saint Augustine Academy since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisory tools and a broad spectrum of non-advisory financial activities.

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 with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Morgan Stanley, Wells Fargo Clearing, Bank of America, Merrill, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory work, he has ownership in a non-investment business, The Grapeseed Company, based in Carpinteria, CA, which he co-owns with his spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, using structured discovery conversations and approved planning tools without providing individual security recommendations as part of standalone plans.

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.

Nestor Gomez is a financial advisor at Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 credentials with 14 years of industry experience. He joined Morgan Stanley in 2022 after working for multiple Wells Fargo entities from 2016 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.