Jason Tran is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to that, he was involved with Ventura Missionary Church from 2020 to 2022. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

David Morris is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. His prior firms include Avondale Partners, LLC and Church Street Advisors LLC. Outside of his advisory role, he is an owner and partner in a real estate investment business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a manager solutions team.

Ricardo Avila is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, providing a combination of advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment options and maintains a large integrated platform with centralized operations.

John Mcauliffe is a financial advisor with Morgan Stanley and holds Series 63 and Series 65 licenses. He has 48 years of industry experience, including over nine years at Morgan Stanley Smith Barney LLC. 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 supported by proprietary tools and research, managing approximately $2.74 trillion in client assets.

Steve Warriner is a financial advisor with LPL Financial based in Santa Paula, CA, holding a Series 63 designation and with 30 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp since 2003. Outside of advisory services, he is involved in outside sales of non-variable insurance and operates Warriner Financial Services in Westlake Village, CA. 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 provides a range of advisory and brokerage services, including financial planning and access to institutional platforms, with advice implemented through various discretionary and non-discretionary strategies.

Nicholas De La O is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has worked at Primerica Financial Services since 2003 and is involved with Aqua Flo Supply, Inc. since 2016. In addition to his advisory activities, he receives compensation for loan product sales and referrals related to home security and automation services through affiliated companies. Primerica Advisors is a firm serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that uses model-delivery strategies from unaffiliated asset managers and provides custody and trade execution through Pershing.

Anna Kotula is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2017. Outside of finance, Kotula is a licensed physical therapist and owner of a private practice, Ojai Valley Physical Therapy, and serves on the board of the Ojai Art Center Theater Branch, where she is chair. She also teaches dance and core strength classes at the Ojai Valley Athletic Club. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing planning advice focusing on dependable income and tax-aware withdrawal strategies.

Jorge Lozano is a financial advisor with Wells Fargo Clearing in Port Hueneme, CA, holding a Series 66 designation and five years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank NA since 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Morgan Webber is a financial advisor with Wells Fargo Clearing in Oxnard, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 12 years at Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases.

Olga Jones is a financial advisor at Ameriprise with 26 years of industry experience and holds a Series 66 designation. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she maintains a real estate license and is involved in multi-family and commercial real estate ownership. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, utilizing a centralized consulting team to deliver tailored, research-based recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Rosenthal is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. He was self-employed for 12 years prior to joining Edward Jones. Rosenthal holds an active notary public license, although he does not currently pursue notary business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Brian Burke is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including work with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Franklin, Tennessee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

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.

Ivan Chen is a financial advisor with Edward Jones, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he held positions at JP Morgan Securities, JPMorgan Chase Bank, Northwestern Mutual, City National Bank, MUFG Union Bank, and AIG. Outside of his advisory role, he serves on the Budget Committee of the Humane Society of Ventura County and assists as Treasurer-Analyst for Ojai Valley Democrats; he also manages accounting functions for a health and wellness center owned by his spouse. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of approximately 23,701 financial advisors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

Luke Zeedik is a financial advisor with LPL Financial, holding a Series 66 designation. He has been in the industry since 2024 and has prior experience with Miller and Associates and various roles at Brigham Young University and other organizations. 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 through a large network of investment adviser representatives, utilizing both proprietary model portfolios and third-party subadvisors.

John Kennedy is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at LPL Financial. He previously worked at D.A. Davidson & Co for 11 years and Merrill for 2 years. Outside of his advisory work, he is involved with AVENNDI LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions supported by numerous tools and a large network of advisors.

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 with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. His career includes previous roles at Gold Coast Securities, Inc. and Ameriprise before returning to LPL Financial. He also manages Bowers Investment Management, Inc., a separate investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants with a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Jeannie Balmes is a financial advisor with Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Sarah Saito is a Series 66-licensed financial advisor at J.P. Morgan Securities with 11 years of industry experience. She has worked at J.P. Morgan since 2016 and previously at Thrivent Investment Management from 2014 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice supported by centralized due diligence and uses a combination of quantitative and qualitative research to develop model allocations.