Keith Ellen is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and possessing 37 years of industry experience. His career includes longstanding roles at American Financial Network Advisory Services and Securities America Advisors, where he worked for over 20 years. Ellen is also the owner of KGE Wealth Management, an investment-related business. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of advisers. The firm provides integrated brokerage and advisory services, leveraging asset-allocation tools and multiple third-party platforms to manage portfolios with various investment options.

Mark Sherin is a financial advisor with OSAIC who holds a Series 63 designation and has 39 years of industry experience. He worked at Lincoln Financial Advisors for 24 years before joining OSAIC in 2025. In addition to his advisory role, Sherin serves as chair of the corporate advisory board for Inclusion Matters by Shane’s Inspiration, a nonprofit focused on creating inclusive play and education programs for children with disabilities. 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 offers integrated brokerage and advisory services, financial planning, and access to a wide range of investment options through multiple advisory platforms and third-party managers.

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.

Tracy Gallagher is a financial advisor at OSAIC with six years of industry experience. She holds a Series 66 designation and previously worked at Woodbury Financial Services and Silber Bennett Financial. In addition to her advisory role, she is involved in life insurance and annuity sales through TruChoice Financial. OSAIC serves a diverse range of clients, including retail and institutional investors, offering integrated brokerage and advisory services supported by various investment platforms and third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

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.

Van Schepers is a Planning Consultant at Fidelity Investments, a role he has held since 2025. In this capacity, he works closely with clients to understand their complete financial picture and to develop plans that support both their current life and future goals. Van views money as a tool for living with intention and purpose and is committed to partnering with clients to create financial paths aligned with their values. Prior to joining Fidelity Investments, Van gained experience in various financial services roles, including positions as a Client Service Associate at Audent Global Asset Management from 2024 to 2025, a Registered Wealth Management Client Associate at Merrill Lynch from 2020 to 2024, and a Relationship Banker at Bank of America from 2019 to 2020. He holds a California Insurance License. Outside of his professional career, Van's personal interests include cars, concerts, hiking, movies, and traveling.

Ashley King is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

John Morley is a financial advisor with Wells Fargo Advisors in Woodland Hills, CA, holding Series 63 and Series 65 licenses and with 47 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. In addition to his advisory role, he is co-trustee of a family trust and has a 50% ownership interest in Morley Investment Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including cash-flow, retirement, education, and wealth-transfer planning, and integrates advisory services with other financial products and referral channels.

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.

Lizbeth Perez is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and 22 years of industry experience. She previously worked at Bank of America and Merrill for 12 years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

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.

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.

Matilda Babapoor is a financial advisor at Wells Fargo Advisors with seven years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several Wells Fargo affiliated entities since 2013, including Wells Fargo Bank and Wells Fargo Clearing. Outside of her advisory role, she is also a caregiver providing in-home supportive services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm delivers tailored recommendations using proprietary research and planning tools across a broad range of financial planning areas, with clients choosing how to implement advice through brokerage or advisory programs.

Darren Kremicki is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Axa Advisors and UBS Financial Services. Kremicki’s background also includes time at California State University, Northridge, and Notre Dame High School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling as part of its advisory approach.

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.

Gina Lapiner is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2025. She previously worked at Edward Jones for 17 years. Lapiner is also the owner of Calabasas Wealth Management Inc., through which she manages her Ameriprise business. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with clients’ advisors.

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.