Lynn Lundring is a financial advisor with Thrivent Investment Management in Thousand Oaks, CA, holding the ChFC® designation and Series 63 and 66 licenses. She has 55 years of industry experience, including over two decades at Thrivent Investment Management and a decade with Thrivent Financial. Lundring serves as an emeritus member of the Board of Regents at California Lutheran University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm emphasizes planning services without discretionary trading authority and allows clients to combine planning with managed-account programs under consolidated billing.

Jessie Hawkins is a financial advisor with Morgan Stanley in Oxnard, CA, holding a Series 66 designation and bringing 21 years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and prior experience at Citigroup Global Markets. Outside of her advisory work, she serves on the finance committee of the United Way of Ventura County. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and models to support client financial goals, while generally acting in an advisory capacity.

Nick Pantuso is a financial advisor at Osaic with eight years of industry experience. He holds Series 66, Series 63, and Series 65 licenses and previously worked at Woodbury Financial Services and Wholesale Capital Corporation. Outside of his advisory role, Pantuso is a licensed real estate broker and loan officer. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager selections.

Bahram Khafajizadeh is a financial advisor with LPL Financial, holding a Series 66 designation and bringing nine years of industry experience. He has worked at LPL Financial since 2012 and is also affiliated with Premier America Credit Union and Goodwill Home Health Services. Outside of his advisory role, he operates a small business selling cars as a hobby and owns a home-based child daycare. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing various investment strategies and technology to support its network of over 22,800 advisors.

Mark Hixenbaugh is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds Series 66 and Series 63 designations and previously worked in various roles within the entertainment industry. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial analyses and planning without discretionary trading authority, focusing on a broad set of planning topics and an optional managed-account program under a consolidated billing arrangement.

Linda Scipione is a financial advisor based in Oxnard, CA, affiliated with Stifel. She holds a Series 63 designation and has 36 years of industry experience. Her prior experience includes roles at A.G. Edwards & Sons, Inc. and Morgan Stanley DW Inc. She also serves as a trustee for a non-family trust. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Patricia O Sullivan is a financial advisor at Charles Schwab with Series 63 and Series 65 designations and three years of industry experience. She previously worked at MFS Investment Management and Boston Financial Data Services. 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 SMAs and offers multi-asset model portfolios supported by centralized custody and order-routing arrangements.

Plato Guerre is a financial advisor with OSAIC in Camarillo, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at OSAIC since 2023 and has been involved with Pro.Act Wealth Solutions, LLC and Sagepoint Financial, Inc. for over a decade. Outside of his advisory work, he developed proprietary software used to manage client portfolios and actively manages accounts using this system. OSAIC serves a wide range of retail and institutional clients, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing advisors with flexible strategy options and access to alternative investments through a complex affiliate network.

Nadia Klein is a financial advisor with LPL Financial in Moorpark, California, holding a Series 66 designation and four years of industry experience. She has been associated with Terry Wealth Management and LPL Financial since 2019. Outside of her advisory roles, she has worked in various capacities at San Diego State University and has experience in the entertainment and hospitality industries. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Diego Reyes is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 credentials. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2021, he worked at Lbs Financial Credit Union and Loomis, and spent six years at California State University - Long Beach. Outside of advising, he is involved in an e-commerce venture focused on selling general merchandise through online marketplaces. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary asset allocation advice, investment manager searches, and customized reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative screens and qualitative research, and it incorporates ESG frameworks where applicable.

Ronald Speakman is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 65 and Series 66 credentials and has worked at Cetera and its affiliated firms since 2025. Prior to that, he spent over 15 years at 1ST Global Advisors and has been a CPA since 2004. 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 a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Johanna Trujeque is a financial advisor at Morgan Stanley in Oxnard, CA, holding a Series 66 designation with 18 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market-based modeling techniques.

Jeffrey Beeh is a financial advisor with Thrivent Investment Management in Ventura, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and planning on various topics, with options to combine planning with managed-account programs while keeping services separate.

Daniel Frausto is a financial advisor at Merrill with Series 66 and Series 63 licenses and less than one year of industry experience. His prior work experience includes roles at State Farm VP Management Corp., Charles Allison Insurance Agency, Enterprise Rent-A-Car, KPMG, and California Lutheran University. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elio Martinez is a financial advisor with LPL Financial in Ventura, CA, holding a Series 66 designation. He has been with LPL since 2025 and has no prior industry experience before joining the firm. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Candelario Topete is a financial advisor with Wells Fargo Clearing in Ojai, CA, holding Series 63 and Series 66 credentials and six years of industry experience. His career includes roles at J.P. Morgan Securities, Merrill, Bank of America, and Wireless Plus, Inc. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, providing both brokerage and advisory solutions.

Gerardo Melgar is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Vanguard Group and Target. Melgar is based in Camarillo, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Douglas Messner is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Clearing, Citigroup Global Markets, and UBS Financial Services. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on customized investment strategies supported by advanced operational and research tools.

Dennis Magaldi is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Western International Securities, Inc. and Financial West Group. Outside of advisory work, he serves as treasurer on the board of a non-profit credit union and is president and treasurer of a homeowner association board. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisers, utilizing model portfolios, third-party subadvisors, and customized strategies.

Patrick Reed is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at J.P. Morgan Chase Bank, First Republic Securities, and related firms. Outside of his advisory role, he serves as a board member of Pacific Oaks Academy, an elementary school in Camarillo, CA, where he assists with the school’s formation and provides ongoing direction. J.P. Morgan Securities offers 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. Their advisory process combines systematic quantitative screening and qualitative research to build model asset allocations, incorporating ESG considerations and supporting client decision-making.