Heather Rupp is a CFA® charterholder with two years of industry experience, currently affiliated with PlanMember Securities Corporation. She serves as an adjunct professor teaching investments and portfolio management at Westmont College. Prior to her current roles, she held positions at firms including B. Riley Capital Management, Phase Capital, and Peritus I Asset Management. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm offers education and support through seminars and personalized planning, utilizing a top-down strategic asset allocation approach with risk-based mutual fund portfolios.

Brian Holland is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 65 and Series 63 licenses and having 11 years of industry experience. Prior to joining PlanMember in 2020, he worked at National Pension & Group Consultants, Inc. for four years and has been involved with Fidelity Security Life Insurance Company and Forrest T. Jones & Co., Inc. since 2015. Holland also operates his own insurance sales business. PlanMember provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm employs a top-down strategic asset allocation approach using unitized, risk-based mutual fund portfolios and delivers education and support services including seminars and personalized retirement planning.

Howard Kreutzinger is a financial advisor with D.A. Davidson & Co. in Ventura, CA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with D.A. Davidson since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporations. The firm operates under fiduciary standards and offers a range of services such as retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

Noah Jones is a financial advisor with Edward Jones in Ventura, CA. He holds a Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, he worked at the University of California Santa Barbara and in behavioral wellness and industrial supply roles. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard with a large nationwide network of advisors and branch offices.

David Morris is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. His prior firms include Avondale Partners, LLC and Church Street Advisors LLC. Outside of his advisory role, he is an owner and partner in a real estate investment business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a manager solutions team.

Steve Warriner is a financial advisor with LPL Financial based in Santa Paula, CA, holding a Series 63 designation and with 30 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp since 2003. Outside of advisory services, he is involved in outside sales of non-variable insurance and operates Warriner Financial Services in Westlake Village, CA. 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 and access to institutional platforms, with advice implemented through various discretionary and non-discretionary strategies.

Nicholas De La O is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has worked at Primerica Financial Services since 2003 and is involved with Aqua Flo Supply, Inc. since 2016. In addition to his advisory activities, he receives compensation for loan product sales and referrals related to home security and automation services through affiliated companies. Primerica Advisors is a firm serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that uses model-delivery strategies from unaffiliated asset managers and provides custody and trade execution through Pershing.

Anna Kotula is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2017. Outside of finance, Kotula is a licensed physical therapist and owner of a private practice, Ojai Valley Physical Therapy, and serves on the board of the Ojai Art Center Theater Branch, where she is chair. She also teaches dance and core strength classes at the Ojai Valley Athletic Club. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing planning advice focusing on dependable income and tax-aware withdrawal strategies.

Olga Jones is a financial advisor at Ameriprise with 26 years of industry experience and holds a Series 66 designation. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she maintains a real estate license and is involved in multi-family and commercial real estate ownership. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, utilizing a centralized consulting team to deliver tailored, research-based recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Ivan Chen is a financial advisor with Edward Jones, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he held positions at JP Morgan Securities, JPMorgan Chase Bank, Northwestern Mutual, City National Bank, MUFG Union Bank, and AIG. Outside of his advisory role, he serves on the Budget Committee of the Humane Society of Ventura County and assists as Treasurer-Analyst for Ojai Valley Democrats; he also manages accounting functions for a health and wellness center owned by his spouse. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of approximately 23,701 financial advisors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

Sarah Saito is a Series 66-licensed financial advisor at J.P. Morgan Securities with 11 years of industry experience. She has worked at J.P. Morgan since 2016 and previously at Thrivent Investment Management from 2014 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice supported by centralized due diligence and uses a combination of quantitative and qualitative research to develop model allocations.

Elio Martinez is a financial advisor with LPL Financial in Ventura, CA, holding a Series 66 designation. He has been with LPL since 2025 and has no prior industry experience before joining the firm. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Candelario Topete is a financial advisor with Wells Fargo Clearing in Ojai, CA, holding Series 63 and Series 66 credentials and six years of industry experience. His career includes roles at J.P. Morgan Securities, Merrill, Bank of America, and Wireless Plus, Inc. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, providing both brokerage and advisory solutions.

Iliana Lozano is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and 13 years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

Nicholas Yates is a financial advisor at Raymond James Financial Services Advisors, Inc. with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities and JP Morgan Chase Bank NA. His background also includes a role at the Ventura County Community Development Corporation. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting services to individual, high-net-worth, institutional, and corporate clients. The firm emphasizes tailored, non-discretionary advice supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Lawrence Bushey is a financial advisor at Cetera with 33 years of industry experience. He has held roles at Concourse Financial Group Securities Inc and has operated Bushey Financial Services since 1987. In addition to financial planning, he is involved in tax return preparation through his ownership of BFNTS Inc. 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 various portfolio management and retirement services, supporting both discretionary and non-discretionary account management.

Sean Patrick is a financial advisor with Cambridge Investment Research Advisors in Ventura, CA, holding a Series 63 designation and 32 years of industry experience. He has worked extensively with The Renaissance Group, LLC, serving as managing member, and was previously affiliated with Cetera Advisors LLC. Outside of his advisory role, he serves as treasurer for a local church and has experience as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platforms, including proprietary model strategies under the Founders Gate Capital brand.

Gewargis Betjoseph is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at 21st Century Fox for one year. 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 and offers a wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

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.

Eric Peterson is a financial advisor with LPL Financial in Ventura, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 2005 and previously with Ameriprise from 1997 to 2005. He is also involved in non-variable insurance activities through West Coast Wealth Management and has worked with Aetna on individual and group medical insurance policies. 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 various financial planning and investment services through a large network of advisors, combining advisory platforms with a broad range of financial activities.