Stephen Colato is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves a broad client base including individuals and institutions, offering tailored financial planning and a wide range of advisory programs. The firm utilizes structured planning tools and its Global Investment Committee’s research to support clients’ financial goals.

Nicole Cardenas is a financial advisor with LPL Financial in Woodland Hills, CA, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining LPL Financial in 2025, she spent 17 years with NEXT Financial Group. 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 offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of investment strategies supported by operational and research tools.

Alan Santisteban is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has previous work experience at Premier America Credit Union and Wells Fargo. 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 and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Randi Dennen is a financial advisor with Ameriprise in Thousand Oaks, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. In addition to her advisory role, Dennen is involved in tax preparation through Foster, Griffith, & Allen, Inc. Ameriprise offers retirement-income planning services targeted at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a large client base with a broad range of advisory, brokerage, and insurance solutions.

Peter Gould is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Wells Fargo and its affiliates prior to joining J.P. Morgan in 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Gregory Lewandowski is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and AIG in various roles. Lewandowski serves on the Board of Directors for the Simi Valley Samaritan Center and is a member of the Simi Valley Chamber of Commerce. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Ronald Goldman is a financial advisor with Raymond James & Associates in Westlake Village, CA, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has been with Raymond James & Associates since 2008 and has 17 years of experience registered with FINRA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Alice Rieckmann is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2023, following nine years at Bank of America NA and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Victoria Forgerson is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 66 designation and 17 years of industry experience. She has been with UBS since 2016. Outside of her advisory role, she is a vice president and co-owner of a family fire protection business and also distributes Avon beauty products on a limited basis. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory services, leveraging proprietary research and model-based asset allocations to tailor investment plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of services including financial planning, portfolio management, and capital markets activities.

Jennifer Alewel is a financial advisor at Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 licenses with 16 years of industry experience. She has worked at Morgan Stanley since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and research.

James Kaing is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. He previously worked at HSBC Bank USA, N.A. from 2015 to 2020 before joining Wells Fargo Clearing in 2020. Outside of his advisory role, Kaing owns and operates a business focused on sports and hobby trading collectible cards. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than many peers, including insurance-related vehicles and bank deposit sweep options.

Dane Johnson serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings extensive experience in wealth management and investing, having begun his financial services career in 1987 with Shearson Lehman Brothers. Mr. Johnson joined Merrill in 1991 and has since developed personalized strategies to help clients pursue long-term financial goals. His approach incorporates the investment insights of Merrill alongside the banking and lending solutions provided by Bank of America to address his clients’ holistic wealth management needs. Mr. Johnson’s expertise includes security-based investments, life insurance, long-term care, annuities, mortgage and consumer lending, estate planning, and business banking. He holds the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His educational background includes studies in finance with an option in investments across multiple universities such as Tulane University, University of New Orleans, CSU Long Beach, UCSB, and Ventura College. He is also a member of the Beta Gamma Sigma National Business Honors Society. A native of Ventura, California, Mr. Johnson graduated from Buena High School and served in the United States Marine Corps before beginning his financial career. He is committed to staying well informed through ongoing education and frequently participates in industry research and conference calls. Reflecting Merrill’s tradition of community involvement, he volunteers with local organizations to contribute to the community he serves.

Kelly Karren is a financial advisor with Raymond James Financial, holding a Series 66 designation and over 26 years of industry experience. Prior to joining Raymond James in 2026, Kelly worked at Premier America Credit Union and LPL Financial for 19 years, as well as at SeCU Brokerage Services and CUSO Financial Services. Outside of her advisory role, she is a sponsored athlete competing as a US Masters swimmer. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning supported by analytical modeling and maintains specialized services such as municipal advisory work and a SIMPLE IRA Employer Advisory program.

Giancarlo Hamner is a CFP® and Series 66-licensed financial advisor with 10 years of industry experience, currently working at Edward Jones since 2016. He is based in Newbury Park, CA. 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, including managed solutions and separately managed accounts, and operates under a fiduciary standard with approximately $1.01 trillion in assets under management.

Martin Padilla is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at firms including Stifel, B. Riley Wealth Advisors, Oppenheimer & Co, UBS Financial Services, and Merrill. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Cathey Paine is a financial advisor at OSAIC with 32 years of industry experience. She previously worked at Lincoln Financial Advisors for 24 years before joining OSAIC in 2025. Outside of finance, Paine writes and edits screenplays and books and has an interest in acting. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and utilizes firm-provided asset-allocation tools and third-party solutions to construct diversified portfolios for its clients.

Jeffrey Pollack is a financial advisor with LPL Financial based in Agoura Hills, CA, holding a Series 66 license and 12 years of industry experience. His prior roles include positions at PRG & Associates, LLC and Paul Gross, as well as involvement in several community and professional organizations. Outside of his advisory work, he has business interests connected to PRG & Associates, LLC in Calabasas. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through its network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment options.

Eric Epstein is a financial advisor with Morgan Stanley in Woodland Hills, CA, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides services under various financial planning and investment arrangements.

Maxine Morgan is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2023. She leads a team of associates dedicated to understanding clients' needs and guiding them through the financial planning process. Prior to her current role, Maxine served as Assistant Branch Leader from 2021 to 2022, Senior Relationship Manager from 2014 to 2020, and Financial Representative from 2011 to 2014, all within Fidelity Investments. Maxine holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, participating in family activities, and traveling.

Michael Nguyen is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients make intentional financial decisions that support both their current lifestyles and future goals. Michael works closely with clients to align their financial strategies with their personal and long-term objectives. He holds a Bachelor's Degree from the University of Pennsylvania. His mission centers on guiding individuals in building a secure financial future while addressing the needs of their lives today.