Terri Lane is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has previously worked at Morgan Stanley Private Bank in various capacities from 2010 to 2022. She serves as a co-executor for the Estate of Howard and Donna Lee Trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Linda Scipione is a financial advisor at Stifel with 35 years of industry experience. She has been with Stifel Nicolaus since 2008 and holds a Series 63 designation. She serves as a trustee for a non-family trust. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services with a focus on proprietary investment analysis and asset allocation guidance developed by its Investment Strategy Group.

Joseph Pesicka is a financial advisor at Fidelity with 10 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. He has been with Fidelity Investments since 2021. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios across mutual funds, ETFs, and ETPs, and maintains formal advisory roles to multiple registered investment companies.

Rachel Cain is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Bank of America for 13 years before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

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 at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Sagepoint Financial, Inc., Pro.Act Wealth Solutions, LLC, and Icm. He is the owner of Pro.Act Wealth Solutions, where he developed proprietary software to manage client portfolios through his Wealth Management Platform. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and managed accounts that utilize both discretionary and non-discretionary strategies.

Nadia Klein is a financial advisor with LPL Financial in Moorpark, CA, holding a Series 66 designation and accumulating four years of industry experience. She has worked at Terry Wealth Management and LPL Financial LLC since 2019. Outside of advising, she has involvement in entertainment-related ventures, including Rough Diamond Entertainment and Tipsy Cow. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

Paige Overton is a financial advisor with Merrill in Oxnard, CA, holding Series 63 and Series 66 credentials and has 32 years of industry experience. She has worked at Merrill since 1997. Outside of advising, she also serves as a notary. 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Diego Reyes is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Lbs Financial Credit Union and Loomis, and spent six years at California State University - Long Beach. Outside of his advisory work, he owns an e-commerce business selling general merchandise on online marketplaces. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

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.

Nicholas Sondgeroth is a CFP®-certified financial advisor with nine years of industry experience. He is currently with Wells Fargo Advisors and previously worked at UBS Financial Services. Outside of his advisory work, he owns and operates Sondgeroth Ventures, LLC, a business involved in purchasing and managing single-family rental properties. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning and investment services, including specialized areas such as business-owner transition and special-needs planning.

Michael Cameron is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise Financial Services and Scottrade. He is based in Westlake Village, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by proprietary tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and provides planning that incorporates broad market analyses without delivering individual security recommendations.

Candelario Topete is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and six years of industry experience. His prior roles include positions at J.P. Morgan Securities, Merrill, and Bank of America. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and offers a mix of brokerage and advisory solutions.

Gerardo Melgar is a financial advisor at Merrill with 6 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at The Vanguard Group and Target. 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.

Douglas Messner is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ameriprise Financial Services, LLC and Ameriprise Financial Services, Inc. from 2016 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Sait Saraci is Vice President Private Wealth Management Advisor at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Management Consultant at Fidelity Investments from 2023 to 2024. His previous experience includes managing member at Bellwether Investment Advisors (2020-2023), investment consultant at Fisher Investments (2019-2020), and wealth advisor at Morgan Stanley (2012-2018). Sait holds a California Insurance License. His approach to wealth management emphasizes building long-term relationships based on trust, accountability, and transparency. He focuses on understanding clients' priorities, the role of wealth in their families, and any existing financial planning to provide tailored advice. His team leverages the resources of Fidelity to assist clients with complex financial decisions. Outside of his professional work, Sait enjoys golf, outdoor adventures, reading, tennis, and traveling.

Roy Schilder is a financial advisor with Charles Schwab in Thousand Oaks, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at TD Ameritrade and Fidelity prior to joining Schwab. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, providing both non-discretionary and discretionary investment management services alongside brokerage, custody, and financial planning.

Dennis Magaldi is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 22 years of industry experience. His prior firms include Western International Securities and Financial West Group. Outside of advising, he serves as treasurer on the board of E*Central Credit Union and is president and treasurer of the Ridgecrest Thousand Oaks HOA board. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced portfolio management technologies.