David Sprafka is the Market Leader at Fidelity Investments, a role he has held since 2022. In this capacity, he leads a team of financial professionals focused on assisting clients with their financial needs. David's experience at Fidelity Investments spans over a decade, beginning as a Financial Representative in 2007 and advancing through various roles including Private Client Specialist, Investment Representative, Financial Consultant, Vice President Financial Consultant, and VP Branch Leader before his current position. He holds a California Insurance License.

Jeffrey Prince is a CFP®-designated financial advisor with over 32 years of industry experience. He currently practices at LPL Financial and has previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios and alternative strategies.

Vanessa Serrato is a financial advisor with Ameriprise in Oxnard, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She worked at Merrill from 2015 to 2017 before joining Ameriprise Financial Services, Inc., where she served from 2017 to 2020, and has been with Ameriprise since 2020. Serrato serves on the Board of Directors for The Coalition for Family Harmony and is also a notary. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support these plans and offers a broad range of advisory, brokerage, and insurance solutions.

Olivia Peterson is a financial advisor at Edward Jones with eight years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2014. 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 and investment strategies, operating under a fiduciary standard.

Joseph Centurioni is a financial advisor with Merrill in Westlake Village, CA, holding a Series 66 designation. He has one year of industry experience and has previously worked at Bank of America, JNL Stainless Inc, and The Pacific Bridge Companies. His background also includes roles in education and sports organizations. 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. The firm offers model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dennis Crispin is a financial advisor with Wells Fargo Clearing in Westlake Village, CA, holding a Series 63 designation and 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee for a family trust in Thousand Oaks, CA. 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 IPS-driven advisory approach includes investment policy development, performance reporting, participant education, and incorporates a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michael Darley is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in property management as a sole proprietor of rental real estate in California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a wide range of investment and planning services.

Afshin Safavi is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers plans directly as well as through Corporate Financial Planning agreements.

Jason Griffin is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. He has worked at Royal Alliance Associates and Regal Advisory Services, Inc. since 2002. Outside of advisory roles, he owns and operates tax preparation services under both a sole proprietorship and an S-corporation. OSAIC serves a diverse range of retail and institutional clients through a wide network of affiliated advisers, offering integrated brokerage and advisory services along with access to various investment platforms and third-party managers. The firm employs asset-allocation tools and automated portfolio rebalancing to manage accounts that include stocks, bonds, mutual funds, ETFs, and alternative investments.

Brian Stilwell is a financial advisor with Wells Fargo Advisors who holds a Series 63 designation and has 33 years of industry experience. He has worked at various Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory role, he owns Bingdom Enterprises Corporation in Westlake Village, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services leveraging Wells Fargo research and tools, with flexible implementation options through brokerage or advisory programs.

Kenisha Amar is a financial advisor at Edward Jones with six years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2020. Prior to this, she had brief tenures at Merrill Lynch Pierce Fenner and Smith and Paradigm Treatment Center. Outside of finance, she works as an early childhood development specialist. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Robert Jacobs is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

John Botrous is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Ameriprise. He previously worked at Edward Jones, Independent Financial Group, TD Ameritrade, and Scottrade. Botrous is also involved with EPIC Operations LLC as an associate financial advisor managing an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering tailored written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and technology-driven processes to offer non-discretionary retirement advice through a centralized consulting team.

Jaime Ocon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 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. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Deji Spencer Walters is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JP Morgan Chase Bank. He is also the owner of Reunites International Corporation, which has been involved in exporting essential goods to countries in Africa. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jordan Justman is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding a Series 66 designation and having 21 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Michael Goldberg is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. Prior to joining LPL Financial and Townsgate Wealth Management in 2025, he spent ten years with The Vault Pro Scooters. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Kay Bowers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 20 years of industry experience. Her prior work includes nearly a decade at J.P. Morgan Securities and JPMorgan Chase Bank. She is based in West Hills, CA. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Charlene Pemstein is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has 13 years of industry experience. She has been associated with Raymond James and Monument Associates since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm utilizes fact-finding, risk profiling, and analytical tools to offer tailored, non-discretionary planning and investment consulting.

Daryl Kibota is a financial advisor with Morgan Stanley in El Segundo, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.