Jonathan Rowsey is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Ameriprise in Calabasas, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns TRLT Ventures LLC and Big Mike LLC, with involvement in managing his advisory business, and serves on the Board of Directors for the Community Association of Saratoga Hills. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Richard Smith is a financial advisor at Osaic with 36 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 27 years before joining Osaic in 2025. In addition to his advisory work, he is an insurance agent offering disability insurance, fixed and indexed annuities, traditional life insurance, long-term care insurance, life settlements analysis, and premium financing. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing firm-provided asset-allocation tools and automated rebalancing to construct portfolios tailored to client needs.

Janielle Swayne is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. She has been with Morgan Stanley and its predecessor, Morgan Stanley Smith Barney, since 2009. Outside of her advisory role, she serves as a trustee for a trust in Newbury Park, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to support its financial planning services.

Robert Oberlander is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank SSB since 2006 and 2012, respectively. Based in Woodland Hills, CA, he serves clients through Schwab’s extensive advisory platform. Charles Schwab & Co., Inc. primarily serves 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 separately managed accounts, utilizing multi-asset portfolios, periodic reviews, and due diligence on alternative investments.

Manuel Dermanuelian is a Series 66-credentialed financial advisor with 18 years of industry experience, currently with Morgan Stanley. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his financial career, he is also an airline pilot and flight instructor. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both individual and employer-sponsored financial planning services.

Adonis Campillo is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at Allison Commercial Insurance Agency, Inc and International Enrollment Services, both from 2016 to 2023, and at Tierra Sur, LLC from 2015 to 2018. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Sean Laverty is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He has worked at multiple firms, including Wells Fargo and Santa Cruz County Bank, and was involved with the Harvard Club of Santa Barbara from 2023 to 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Monica Stempel is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, One Capital Management, LLC, and AssetMark Financial, Inc. Outside of advising, she owns and operates HLF Holdings, LLC, a real estate business focused on acquiring and managing rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor portfolio management and financial planning services. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Gurgen Vardanyan is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. He has worked at Cetera since 2025 and previously held roles at Avantax Advisory Services and AXA Advisors. In addition to his advisory work, he serves as a Wealth Management Associate at David A Lazar an Accountancy Corporation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Neil Scheinbart is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 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 options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lawrence Myers is a financial advisor with Mass Mutual Investors Services in Westlake Village, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with MML Investors Services and Mass Mutual since 2002. In addition to his advisory role, Myers operates an independent insurance agency focused on life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management through structured, collaborative engagements using firm-approved analytical tools.

Edward Charton is a financial advisor with Ameriprise in Simi Valley, CA, holding 42 years of industry experience. His prior roles include positions at LPL Financial, Partners Securities, Inc., and Financial Network Investment Corporation. Outside of advisory work, he manages personal boating activities through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Fine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Brynne Scalise is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured tools and modeling techniques to support client goals.

Milton Greenberg is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has held roles at Aflac since 2019 and previously worked at D.A. Davidson & Co. from 2013 to 2016. Greenberg also serves as an officer and treasurer at Jigsaw Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary investment consulting using analytical tools such as risk profiling and probability modeling and supports municipal and public finance through a unique affiliation with a municipal advisor.

Brad Gore is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at American General Life Insurance and AIG Capital Services. Gore receives insurance residuals from John Hancock and OneAmerica Financial Partners. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Benjamin Hale is a financial advisor with Thrivent Investment Management in Simi Valley, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of his advisory role, he serves as a board member of the Adventist Health Foundation supporting Simi Valley Hospital. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary trading authority. The firm’s “WealthPlan” combines planning and managed-account services under a consolidated billing system while maintaining them as separate engagements.

David Sinensky is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment insights developed by its Global Investment Committee.

Jaclynn Sanchez is a financial advisor at Edward Jones with five years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2020. Prior to her current role, she worked at Enterprise Vision Technologies Inc for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm provides a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Steven Barrus is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked with FSC Securities Corporation and Fidelity Investments. Barrus serves as a board member of the Young Investors Society, an organization focused on financial literacy for high school students, and coaches boys volleyball in the Conejo Valley Unified School District. OSAIC serves a broad mix of retail and institutional clients, offering brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a range of investment products managed on discretionary or non-discretionary bases.