Mark Miller is a financial advisor at Wells Fargo Advisors in Westlake Village, CA, holding Series 63 and Series 65 licenses with 16 years of industry experience. He previously worked at First Trust Portfolios L.P. for nine years and One Capital Management, LLC for four years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm integrates advisory services with various financial products and referral channels to provide comprehensive planning solutions.

Tim Britten is a Wealth Management Senior Relationship Manager at Fidelity Investments. In his role, he acts as a primary point of contact for clients, focusing on facilitating conversations about wealth and investment planning while delivering personalized service tailored to individual needs and preferences. Tim has been with Fidelity Investments since 2004, progressing through roles including Trading and Service Representative from 2004 to 2008, Financial Representative from 2008 to 2013, and Wealth Management Relationship Manager since 2013. This extensive experience has equipped him with a comprehensive understanding of wealth management and client service within the financial industry.

Nicole Bain is a Financial Consultant at Fidelity Investments, a position she has held since 2021. She began her career at Fidelity in 2018, progressing through roles including Financial Representative, Investment Consultant, and Investor Center Intern. In her role, Nicole focuses on constructing customized financial plans that align with her clients' unique needs and goals, emphasizing transparency and collaboration. She aims to develop wealth planning strategies that benefit clients and their families both now and in the future. Nicole holds a California Insurance License. Outside of work, she has interests in beach activities, family, fitness, parenthood, pets, and Pilates.

Natalie Pavia is a financial advisor at Thrivent Investment Management with four years of industry experience. She holds a Series 66 designation and has worked at Thrivent Financial since 2022. Outside of her advisory role, she owns and operates Jefita Design Co., an Etsy business selling digital art prints. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach includes periodic reviews and the option to combine planning with managed accounts through its WealthPlan program.

Kevin Deegan is a CFP® with 45 years of industry experience. He is currently affiliated with OSAIC Wealth, Inc., where he has worked since 2023, following a 34-year tenure at Royal Alliance Associates, Inc. in Westlake Village, CA. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies across a range of programs.

Dewi Tan is a Series 66 licensed financial advisor with Merrill, based in Calabasas, CA, and has three years of industry experience. Dewi previously worked at T-Mobile from 2005 to 2022 before joining Merrill and Bank of America, N.A. in 2022. Merrill, in partnership 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Thomas Miller is a CFP® professional with 44 years of industry experience, currently affiliated with LPL Financial since 2021. His prior experience includes roles at Miller Manocchio Inc and Waddell & Reed, Inc., spanning multiple decades. Miller also acts in a fiduciary capacity for a family trust and operates generational wealth management services under his firm’s umbrella. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad array of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolios, third-party asset management, and institutional programs, supported by technology tools for operational and research purposes.

Kristofer Pettit is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Girard Securities, Summit Brokerage Services, and First Allied Securities. Outside of advising, he is an insurance agent selling life and long-term care products and serves as a trustee for a spousal lifetime access trust. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, allowing advisors to implement model portfolios, select third-party managers, or create customized strategies.

Jose Rubio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to joining Wells Fargo in 2024, he worked at JP Morgan Securities, Bank of America, Merrill Lynch, and Chase Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, using research and analytics to support its investment approach.

Katherine Toth is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing Services, LLC since 2011. Outside of her advisory role, she owns and operates Emotional Support Turtles, a business that creates and sells crocheted crafts online. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Rehhaut is a financial advisor with LPL Financial and holds Series 65 and Series 63 designations. He has 30 years of industry experience with prior roles at Trustage, Ameriprise Financial Services, Kinecta Financial & Insurance Services, and Premier America Credit Union. Rehhaut serves on the Board of Directors of the North Valley Family YMCA. 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, including financial planning, model portfolio programs, and institutional platforms.

Mahyar Mohammadzadeh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Ameriprise Financial Services LLC and Bankers Life entities. Outside of his advisory duties, he is involved in health insurance trials with Blue Shield of California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Alexander Franklin is a financial advisor with Ameriprise in West Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of advising, he is a 50% owner of a retail franchise business, The UPS Store #2906, in Calabasas, CA. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm serves clients through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Nancy Chappell is Vice President and Financial Consultant at Fidelity Investments. She works with high net worth individuals to develop customized and comprehensive financial plans that support informed decision-making. Nancy collaborates with clients to gain insight and clarity regarding their priorities and the financial tools and resources available through Fidelity. Nancy has been a Financial Consultant at Fidelity Investments since 2018. Prior to that, she worked as a Financial Advisor at Morgan Stanley from 2015 to 2018. She holds a California Insurance License.

Geoffrey Sebold is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Triad Advisors, OneDigital Investment Advisors LLC, and LPL Financial. Outside of his advisory role, he serves as the Director of Lacrosse Operations and Boys' Varsity Head Coach at Oaks Christian School. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and flexible strategy implementation supported by various risk management and rebalancing tools.

Patrick Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Arifa Forbes is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Peter Rosenberg is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following five years at HSBC Securities (USA) Inc. and HSBC Private Bank. Outside of his advisory role, he is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and methodologies.

Lillian Appleby is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She worked at UBS Financial Services from 1998 to 2006 before joining LPL Financial, where she has been since 2006. Appleby is also a co-founder and COO of Cryztal Prizm, a family business focused on e-commerce and innovative internet projects. 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 a range of financial planning and investment management services, including access to third-party asset managers and model portfolios.

Brian Smithers is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America, N.A. since 2011. 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 constructed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.