Jennifer Brown is a Certified Financial Planner® with 35 years of industry experience. She has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering holistic, goal-based financial analyses and planning without discretionary trading authority. The firm offers ongoing or one-time engagements and integrates planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Jeffrey Sardo is a financial advisor with J.P. Morgan Securities in Camarillo, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Prudential Advisors, Farmers Insurance, and Los Robles Regional Medical Center. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory approach combines quantitative screening with qualitative research to develop model asset allocations and may include an ESG eligibility framework.

Israel Santiago is a financial advisor with Edward Jones in Oxnard, CA, holding Series 66 and Series 63 licenses and 14 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial products with approximately $1.01 trillion in assets under management.

Sherith Squires is a financial advisor with Thrivent Investment Management in Thousand Oaks, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. She has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of her advisory role, she is a joint owner of a commercial office building leased to multiple tenants, including other Thrivent representatives. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering holistic, goal-based financial analyses and planning without discretionary trading authority. The firm’s services include a model-based approach to comprehensive financial planning and an optional managed-account program under a consolidated billing system called “WealthPlan.”

David Allen is a financial advisor at Stifel with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Fahnestock & Co. Inc. for 22 years. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Abiel Acosta is a CFP® professional with 22 years of industry experience, currently affiliated with OSAIC since 2025. Prior to joining OSAIC, he spent 19 years at Lincoln Financial Advisors Corp. Acosta is also licensed as an insurance agent, offering various life, disability, and long-term care insurance products and annuities. OSAIC serves a diverse client base including retail investors, retirement plans, charities, and corporate clients, offering a multi-advisor platform with brokerage and advisory services that utilize model-based asset allocation and portfolio optimization strategies.

John Cross is a financial advisor at Fisher Investments with 15 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2007. Fisher Investments serves a global client base including institutional investors, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment approach with quantitative and qualitative research to construct diversified portfolios and employs tax-aware and risk management strategies.

Thomas Miller is a CFP® professional with 44 years of industry experience, currently affiliated with LPL Financial since 2021. His prior experience includes roles at Miller Manocchio Inc and Waddell & Reed, Inc., spanning multiple decades. Miller also acts in a fiduciary capacity for a family trust and operates generational wealth management services under his firm’s umbrella. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad array of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolios, third-party asset management, and institutional programs, supported by technology tools for operational and research purposes.

Kristofer Pettit is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Girard Securities, Summit Brokerage Services, and First Allied Securities. Outside of advising, he is an insurance agent selling life and long-term care products and serves as a trustee for a spousal lifetime access trust. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, allowing advisors to implement model portfolios, select third-party managers, or create customized strategies.

Jose Rubio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to joining Wells Fargo in 2024, he worked at JP Morgan Securities, Bank of America, Merrill Lynch, and Chase Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, using research and analytics to support its investment approach.

Miguel Noriega is a CFP®-certified financial advisor with Edward Jones, based in Oxnard, CA, and has 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Cynthia Foscue is a CFP® professional at OSAIC with seven years of industry experience. She previously worked at Sagepoint Financial, Inc. and has a long tenure at Advanced Lubrication Technology, Inc. Outside of her advisory role, she sells life, health, disability insurance, and fixed annuities, and assists in legal processes related to living trusts. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, offering a range of advisory and brokerage services through a large multi-advisor platform.

John Lopez is a financial advisor with LPL Financial in Ventura, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 1999. 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, model portfolio programs, and institutional platforms, supported by a large network of over 22,800 advisors and $819 billion in discretionary assets.

Roy Valdez is a CFP®-designated financial advisor with Edward Jones, based in Camarillo, CA. He has 10 years of industry experience, having worked at Edward Jones throughout this period. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

D'vonne Day is a financial advisor at OSAIC with two years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Pro-Act Wealth Solutions, Aflac, and operated a business with N2 Publishing. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, model-based asset allocation, and portfolio management across various account types.

Michael Hanson is a CFP® professional with 19 years of experience in the financial industry, currently affiliated with OSAIC since 2007. He previously worked at Guardian Life for one year. Outside of his advisory role, Hanson owns an art production and sales studio and serves as a director of his local homeowners association. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services with a model-based investment approach emphasizing asset allocation, portfolio optimization, and multiple program options.

Dan Wilkens is a financial advisor at Cetera with 38 years of industry experience and holds a Series 63 designation. He has been with Cetera since 2023 and was previously associated with Cetera Wealth Services, LLC starting in 2013. Outside of his advisory role, he is a partner in TJD Wilkens Farms, LLC, involved in farming activities. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various program structures and custodial relationships.

Lee Tarbet is a financial advisor at OSAIC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at FSC Securities Corporation and Western International Securities, Inc. Outside of his advisory work, he is involved in tax consulting for two landscaping businesses, Elegant Gardens Nursery and Malibu Canyon Landscape & Maintenance, Inc. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports a range of financial planning and investment management programs delivered through an extensive multi-advisor platform.

Maxwell Soter is a financial advisor with Morgan Stanley in Oxnard, CA. He holds a Series 66 designation and has been with Morgan Stanley since 2024, with breaks in employment in the intervening years. Prior to his current role, he worked at Ripcurl for five years and also has experience as a high school employee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Peter Hockenmaier is a financial advisor with Ameriprise in Ventura, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Ameriprise and its predecessor entities since 1984. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services aimed at individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations, emphasizing assets held in Ameriprise-managed accounts and using algorithmic automation overseen by specialized committees.