Xiaoou Wang is a financial advisor at J.P. Morgan Securities with four years of industry experience. Wang holds a Series 66 designation and previously worked at Bank of America, Merrill, and China Merchant Bank. Outside of finance, Wang has been involved with ACE Global Education LLC, an education service consulting firm, where they assisted with legal document translation before taking on an inactive role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Debbie Winokur is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. She has been with LPL Financial since 2013 and has operated Winokur & Winokur LLC since 1998. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, employing both discretionary and non-discretionary management across various programs supported by internal and third-party research.

Onica Calderon is a financial advisor at Morgan Stanley with 11 years of industry experience and holds the Series 66 designation. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jose Castillo is a financial advisor at LPL Financial with 18 years of industry experience. He previously worked at J.P. Morgan Securities for nine years and Western International Securities, Inc. for four years. His credentials include the Series 63 and Series 65 licenses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Dylan Cohen is a financial advisor at Stifel with one year of industry experience. He holds a Series 66 designation and previously worked at SAC from 2022 to 2024. Prior to entering the financial industry, he spent ten years in full-time education and had roles at several schools including Laurel Springs School, Taft High School, and Sierra Canyon School. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Todd Burton is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes roles at Charles Schwab Bank, B. Riley Wealth Management, Oppenheimer, and Fidelity Brokerage Services. Outside of advising, he has ownership interests in several real estate-related LLCs. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a blend of non-discretionary advisory services and access to discretionary managed accounts. The firm is notable for its large scale, integrated structure, and combination of advisory, brokerage, custody, and alternative investment services.

Brittany Bockin is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. She has been with Wells Fargo Clearing since 2013. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Leon Naccarato is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2007. He has over 25 years of experience with Fidelity, where he focuses on wealth planning and helping clients develop and maintain financial plans tailored to their needs. Throughout his career at Fidelity, Leon has progressed through roles including Financial Representative and Financial Planning Consultant before becoming Vice President. He is licensed in insurance in California and emphasizes building financial plans grounded in trust and collaboration, beginning with understanding client priorities. Outside of his professional work, Leon enjoys activities such as spending time at the beach, cooking and baking, exploring food, socializing with friends, caring for pets, and traveling.

Paul Bartschi III is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. He works closely with clients to provide financial advice in retirement planning, college education planning, managing new wealth, portfolio management, and special needs planning strategies. Paul has developed a specialized practice assisting trust attorneys and fiduciaries working with individuals unable to care for themselves due to mental or physical incapacities, including involvement in court supervised matters such as conservatorships and supporting family trustees managing estates. Paul began his career in wealth management in 2001 at Morgan Stanley and joined Merrill Lynch in 2005. He holds a Bachelor's degree in Political Science from California State University, Sacramento, and an MBA with a concentration in Finance from California Lutheran University. At Merrill Lynch, he is a specially qualified Senior Portfolio Advisor, able to design and manage custom investment strategies for clients. He resides in Camarillo, California, with his wife Sarah and their three daughters. Paul supports various charitable organizations, has served as Chairman of the Boys and Girls Club of Camarillo, and is involved in ecclesiastical leadership. His personal interests include adventure sports, boating, hunting, scuba diving, and spending time with his family.

Roman Christian Laus is a financial advisor with J.P. Morgan Securities holding a Series 66 license and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Equitable Financial Life Insurance and Equitable Advisors. He has also served as a live-in caregiver through In Home Supportive Services since 2021 and was a United States Marine Corps member from 2017 to 2021. 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 recommendations.

Holly Hanson is a CFP®-designated financial advisor with 27 years of industry experience, currently practicing at LPL Financial since 2009. She is the author of the compliance-approved book *LGBT and Modern Family Money Manual*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Gregory Seigel is a CFP® with 32 years of industry experience, currently serving at OSAIC since 2023. He previously worked at Sagepoint Financial, Inc. for 14 years and has operated his own accounting and tax planning practice since 1988. He also holds a position as an insurance agent selling life insurance and annuities. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes advanced asset-allocation tools and supports both discretionary and non-discretionary portfolio management across various investment products.

William Costas is a financial advisor with UBS Financial Services in Westlake Village, CA, holding a Series 63 credential and 38 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, Costas is involved in fitness instruction, working as an aerobics and group exercise instructor at multiple health clubs in the Thousand Oaks area. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and model-based asset allocation.

Lynn Lundring is a financial advisor with Thrivent Investment Management in Thousand Oaks, CA, holding the ChFC® designation and Series 63 and 66 licenses. She has 55 years of industry experience, including over two decades at Thrivent Investment Management and a decade with Thrivent Financial. Lundring serves as an emeritus member of the Board of Regents at California Lutheran University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm emphasizes planning services without discretionary trading authority and allows clients to combine planning with managed-account programs under consolidated billing.

Michael Carner is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Lucia Capital Group, LPL Financial, and Northwestern Mutual. J.P. Morgan Securities 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 large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Kelly Siedschlag is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and 28 years of industry experience. He has worked with various Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Janelle Koester is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. Their process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional vehicles.

Andrew Canton is a financial advisor with LPL Financial and holds a Series 66 designation. He began his advisory career in 2026 and has prior work experience outside the financial industry, including roles at Bonita Golf Course and Harbor House Thousand Oaks. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning, advisory programs, and retirement consulting services, supported by research and various portfolio management options.

Juan Ramirez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in April 2016 and provides financial strategies to businesses, families, and individuals. By serving as a comprehensive financial resource, he identifies clients' needs and objectives, using a goal-based approach to deliver tailored advice and guidance aimed at reaching their long-term goals. His areas of expertise include college education planning, corporate executive services, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, philanthropic planning, portfolio management services, individual and corporate investment strategy, and tax minimization. Juan holds several professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Juan earned a Bachelor's Degree from Universidad Externado De Colombia and a Master of Business Administration (MBA) from Pepperdine University. He is fluent in Spanish and English. Outside of work, he enjoys cooking, golfing, running, and soccer. He also participates in volunteer activities within the community.

Nisha Boyle is a financial advisor with Ameriprise in Agoura Hills, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2024, she worked at The Kryger Institute of Plastic Surgery and spent five years as a stay-at-home parent. She also serves as an associate financial advisor at CrimsonCardinal LLC, where she provides client advice and manages an advisory business. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored Recommendation Reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.